Paul Lachine

Poniendo a prueba la estabilidad financiera de Estados Unidos

WASHINGTON, DC – En Estados Unidos se acaba de promulgar una ley de reforma financiera de amplio alcance –una respuesta emblemática a la crisis financiera más devastadora en décadas, que toma medidas importantes y esperadas respecto de cómo abordar las muchas flaquezas del sistema regulatorio y financiero estadounidense que dejó al descubierto la crisis.

Mientras la administración Obama y el Congreso de Estados Unidos extraían lecciones de la crisis y deliberaban sobre las reformas, el Fondo Monetario Internacional también evaluaba el sistema financiero norteamericano bajo el Programa de Evaluación del Sector Financiero (FSAP, por su sigla en inglés). El FSAP se introdujo tras la crisis asiática a mediados de los años 1990 para permitir una evaluación objetiva de las fortalezas y debilidades de los sistemas financieros de los países, incluyendo en qué medida se ajustaban a los estándares internacionales. La última crisis global instó al G-20 a reafirmar la importancia de estos “chequeos” del FSAP a fines de promover la estabilidad global, y hasta ha comprometido a sus miembros a realizarlos en forma regular.

Entonces, ahora que Estados Unidos se ha sometido a este examen, ¿qué información importante ofrece sobre la salud del sistema financiero estadounidense y las recientes reformas regulatorias?

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