Paul Lachine

Финансовые продукты по рецепту

НЬЮ-ДЕЛИ. Одним из положительных последствий финансового кризиса 2007-201? годов стало наше понимание того, что финансовые продукты могут быть столь же сложными и опасными, как лекарства. Осознание этого факта привело к инновационным идеям и экспериментам с новыми законами, нормами и институтами во всем мире.

В Индии правительство объявило о создании Совета по финансовой стабильности и развитию (FSDC) для решения внутренних регулирующих координационных вопросов, а также обеспечения благоразумного надзора на макроуровне. В Соединенных Штатах реформа Уолл-стрит Додд-Франка и Закон о защите потребителя, а также новые инициативы в области мониторинга безопасности финансовых продуктов могут изменить структуру финансов.

Некоторые сторонники этих новых идей открыто использовали аналогию с лекарствами. Существует мнение, что если бы в 2007 году в США была Комиссия по финансовым продуктам и безопасности сродни ее Администрации по продуктам питания и лекарствам, то рынок не был бы наводнен «соблазнительными» ипотеками, которые сковали миллионы семей цепями хищных кредитов.

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