EVALUATE THE MAIN EU REGULATORY REACTIONS TO THE FINANCIAL CRISIS Essay

EVALUATE THE MAIN EU REGULATORY REACTIONS TO THE FINANCIAL CRISIS INCLUDING THE CHANGES TO THE EU REGULATORY PROCESS FOR FINANCIAL SERVICES - Essay Example Evidently, the financial crisis began in the second quarter of 2006 in United States. To this end, there were significant losses registered banks in United States as a result of sub primal foreclosures of mortgages (Chrisdoulaki, 2010). Consequently, since the mega banks in European Union and United States were operating under business models which were similar, the financial distress facing the United States were replicated in the European Union. To this end, the mega banks located on both the European Union and United States suffered from under-capitalization and insufficient liquidity reserves. Evidently, the financial regulations of the European Union are carried out at the continental level as well as within the individual countries. The European regulatory response to the crisis was significantly slower to that of the United States. The onset of the decline in profits within the United States was immediately reflected by a similar decline in profits by E.U banks (Clark, Feldman , & Gertler, 2000). The German government and regulators in the finance industry requested the European Commission to bail them out within six months after the crisis began. The bail out of 9 billion Euros was granted and was directed at the IKB German Bank (Grote, & Marauhn, 2006). Furthermore, the governments of other member countries of the European Union pumped in capital within their financial institutions. Examples included the Northern Rock bank located in the United Kingdom. The fast pace of the spread of the financial crisis was not unexpected since most of the securitized United States debt was originated for distribution to European investors and institutions. To this end, the financial crisis that affected the European Union is blamed on the business model of â€Å"originate-to-distribute† that is synonymous with U.S banks (Mattoo & Sauve?, 2003). Evidently, the large international financial institution adopted this model which allowed the institutions to increase their lending power without disrupting the set capital standards by regulators. Moreover, this model created instruments such as credit default swaps, mortgages guaranteed by securities, and debt obligation that were collaterized (Ferran, 2012). In this regard, such instruments played a part in exploiting weaknesses evident in financial regulatory structures. In addition, under-written mortgages and securities, insufficient coordination within national regulatory bodies, and regulatory arbitrage by the regulators all played a role in undermining the regulatory structures (Smith, 2005). To this end, the challenge of identifying and enforcing effective measures in response to the financial crisis in the European Union has been slowed down since the financial regulations are normally carried out at the member country and European level ( Helleiner, Pagliari, & Zimmermann, 2010). In light of the financial crisis of 2007-2009, the subsequent sections will address the financial regulator y responses carried out by the European Union as well as changes to the EU regulatory process for financial services. Financial Regulatory Reform Plan by the European Union Following the financial crisis of 2007-2009, the European Parliament Committee for Economic and Monetary Affairs met on 21st July 2010. In this regard, they approved a version of The Dodd-Frank Act adopted by the United States. The new version would seek to improve the regulatory bodies for securities, pensions, insurance, and banking sectors. The Act would also have the authority to overrule national governments on pertinent issues. In addition, the plans by the

Fashion Designer Term Project Paper Example | Topics and Well Written Essays - 1750 words

Fashion Designer Project - Term Paper Example The paper "Fashion Designer Term Project" discovers such designers as Tommy Hilfiger and Kenneth Cole. Fashion designer Tommy Hilfiger born 1951 is an American citizen. He is also the founder of Tommy Hilfiger Corporation which is a first-class lifestyle brand. At 25, Hilfiger set up a shop called the peoples place in New York City. Tommy Hilfiger is considered great because the designer designs clothes for men, women and children. Furthermore, he designs accessories too. On the other hand, Tommy Hilfiger has a positive and powerful reputation internationally because his designs are classic and trendy at the same time. Due to this, majority of his designs are preferred by the elite class. This has made his designs ironically to be very popular since people admire the high quality of his designs. Tommy Hilfiger’s anesthetic characteristic that I like the most is his use of color. Tommy choice of colors is playful but serious at the same time. This is because most of his labels are all in red, blue and white. The store has some contemporary designs that were inspired by these colors and are on display. Most of the color printing done on the shirts and dresses was inspired by Tommy Hilfiger. In some respect, I assume is a representation of his country that he is so proud of, but I think it is a statement decision. The color red is bold, sexy and passionate; a statement which I think Tommy wants the client to feel when purchasing the clothes. The color blue is cool, calm and assuring a feeling.

How Important Is Social Movements Research?

How Important Is Social Movements Research?Social movements research is a hot topic in schools all over the country. One of the reasons for this is that students are becoming more concerned about the effects of the economy on their families and on the general well being of the world.There are many factors that are involved in the economic recession. The biggest one is the inability of corporations to meet their obligations to their shareholders. This has been a tough lesson for those that have been 'gutted' by these fiscal issues.There is also the issue of popular opposition to this political climate. Some of the largest corporations in the United States have tried to limit public discussion about their stock price or for fear of public backlash for their actions.So we have a new group of individuals who are fed up with being let down by corporations that go too far with their greed. They see it as a new breed of individual who cares about his/her family and community as well as othe r citizens of the world. In essence, they see themselves as a new type of political citizen.However, when it comes to social movements research, there is a problem in which students view this new idea of activist groups. This is somewhat ironic considering the fact that these same students will automatically classify any economic or political event into one of the four social movements categories. They see this as perfectly logical.No matter how bad the economic recession is, these students are sure that it can be fixed. And that is why social movements research is so important. It will help create the education gap that will help us all understand the movements that exist and how they have caused the economic and political problems we have today.Whether you agree with these student sentiments or not, this is one of the reasons why social movements research is so important. It helps us understand how we can better identify the causes of the economic and political problems. It also h elps educate us in how we can best move forward to create a better society.

Analytical Essay For College - The Best Topic For Using Four Analytical Essays

Analytical Essay For College - The Best Topic For Using Four Analytical EssaysAnalytical essays are perfect topics for a student who is planning to go to college or on their way to one. Analytical essays can be used as a way to advance the learning process.This article will tell you the top-notch topic for studying analytical essays for college. The topics are broadly based and will include medical topics for college. It is important that you study the topics thoroughly, so that you can get the highest grades possible for your school.The first topic is the field of medicine. There are many good topics you can write for analytical essays. The topic could be from any aspect of medicine. The most popular topics for essays are those pertaining to the history of medicine, the field of medicine as it is today, disorders of the human body, drugs, cancer, medicine as it pertains to people, different parts of the human body, health problems.Writing an essay on one particular field is called s pecialization. The first step is to choose a field that you are interested in. Next, you need to figure out the book that is most appropriate for that topic. This is the second step.The third step to writing an analytical essay is to write about the whole. The easiest way to describe the whole is to use stories. Stories are more apt to go along with the other topics. People can be examined through the story.The fourth step is to include the clinical statement. The clinical statement helps the reader to remember what is being discussed. The other topics are the disclaimer and the body of the essay.The final step to writing an analytical essay is to sum up. Summing up is important to make sure that you get the highest grades possible for your college. Writing a great essay is not too difficult and anyone can learn how to do it.

The New Fuss About Specific Gay Marriage Topics for an Essay

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A Review of Famous Revolutionaries for Term Papers

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