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グローバル金融危機と多国籍銀行の動向─欧米多国籍銀行の崩壊と破綻処理─

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&C;D"G@F=%s~k¤qˆ%2012 7t16Ÿ‡¯'

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Globally Financial Crisis and Its Damages

on Transnational Banks in the US and Europe

NAKANO Mitsuhiko

After the Lehman Shock in September 2008 a few US and European finan-cial institutions were in trouble. In the US the five investment banks faded out and many commercial banks were rescued by the TARP. In Europe North-ern Rock, Fortis and Dexia were resolved although RBS, HBOS, USB were rescued by their governments.

In order to avoid future financial crises and systemic risks financial authori-ties mainly in developed countries have moved to tighten their regulations. They are the DoddFrank Act in the US and Basel* Accord by BIS.

However it is not certain whether the tougher regulation could prevent fu-ture financial crises. Financial institutions like banks are just agents of money. The intrinsic reasons of financial crises are excessive capital and lev-eraged funds compared with the size of real economy. It should be discussed how to control swelling money instead of financial institutions.

参照

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