El Futuro se Encuentra en los Reguladores Financieros Únicos

¿Por qué algunos países han elegido crear una única institución de regulación nacional para los servicios financieros?:

Primero, los desarrollos en el mercado -digamos, el creciente número de conglomerados financieros y las difusas fronteras entre los productos financieros- hacen que la regulación por sector sea cada vez menos viable. En la mayoría de los países hay fusiones y adquisiciones entre los sectores que integran la industria de servicios financieros; y las compañías de servicios financieros se expanden, a través del crecimiento interno, hasta nuevos sectores de negocios.

En efecto, los grupos que incluyen una combinación de banca, seguros, acciones y administración de fondos son cada vez más comunes. Además, constantemente se introducen complejos productos que permiten a las firmas desembalar, reempaquetar e intercambiar riesgos de formas que eliminan las fronteras entre sectores antes bien diferenciados.

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