Inadequate Financial Regulation and Economic Crisis

Inadequate Financial Regulation and Economic Crisis

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Inadequate Financial Regulation and Economic Crisis

Inadequate financial regulation can lead to economic crises by allowing risky behavior and financial instability to go unchecked. This can manifest in a number of ways, such as the excessive issuance of subprime mortgages prior to the 2008 financial crisis.

In the run-up to the 2008 crisis, a lack of regulation allowed banks and other financial institutions to issue risky mortgages to borrowers who could not afford them. These subprime mortgages were then packaged together and sold as securities to investors, who were unaware of the underlying risk. When housing prices began to fall and borrowers defaulted on their mortgages, the value of these securities dropped, causing widespread losses for investors and financial institutions.

The crisis also highlighted the interconnectedness of the global financial system, as the failure of a few major banks in the United States quickly spread to other countries, resulting in widespread economic instability.

One of the main reasons why this happened is the lack of oversight on the derivatives market, which allowed banks and other financial institutions to make huge bets on the housing market without having to disclose the full extent of their exposure.

Additionally, some financial institutions were “too big to fail,” meaning that their failure would have such a severe impact on the economy that the government felt compelled to bail them out. This moral hazard created an environment in which financial institutions felt they could take on more risk, knowing that they would be bailed out if things went wrong.

The response to the 2008 crisis included a number of regulatory reforms, such as the Dodd-Frank Wall Street Reform and Consumer Protection Act in the United States. However, some have argued that these reforms have not gone far enough and that more needs to be done to ensure that another crisis does not occur.

In conclusion, inadequate financial regulation can lead to economic crises by allowing risky behavior and financial instability to go unchecked. The 2008 financial crisis serves as a stark reminder of the importance of robust regulatory oversight in order to protect the economy and prevent future crises.

RUBRIC
Excellent Quality 95-100%	Introduction 45-41 points The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.		Literature Support 91-84  points The background and significance of the problem and a clear statement of the research purpose is provided. The search history is mentioned.			Methodology 58-53 points Content is well-organized with headings for each slide and bulleted lists to group related material as needed. Use of font, color, graphics, effects, etc. to enhance readability and presentation content is excellent. Length requirements of 10 slides/pages or less is met.
Average Score 50-85%	40-38 points More depth/detail for the background and significance is needed, or the research detail is not clear. No search history information is provided.		83-76  points Review of relevant theoretical literature is evident, but there is little integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are included. Summary of information presented is included. Conclusion may not contain a biblical integration.			52-49  points Content is somewhat organized, but no structure is apparent. The use of font, color, graphics, effects, etc. is occasionally detracting to the presentation content. Length requirements may not be met.
Poor Quality 0-45%	37-1 points The background and/or significance are missing. No search history information is provided.		75-1 points Review of relevant theoretical literature is evident, but there is no integration of studies into concepts related to problem. Review is partially focused and organized. Supporting and opposing research are not included in the summary of information presented. Conclusion does not contain a biblical integration.			48-1 points There is no clear or logical organizational structure. No logical sequence is apparent. The use of font, color, graphics, effects etc. is often detracting to the presentation content. Length requirements may not be met
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