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Bank regulations are a form of government regulation which subject banks to certain requirements, restrictions and guidelines. This regulatory structure creates transparency between banking institutions and the individuals and corporations with whom they conduct business, among other things. Given the interconnectedness of the banking industry and the reliance that the national (and global) economy hold on banks, it is important for regulatory agencies to maintain control over the standardized practices of these institutions. Supporters of such regulation often hinge their arguments on the "too big to fail" notion. This holds that many financial institutions (particularly investment banks with a commercial arm) hold too much control over the economy to fail without enormous consequences. This is the premise for government bailouts, in which government financial assistance is provided to banks or other financial institutions who appear to be on the brink of collapse. The belief is that without this aid, the crippled banks would not only become bankrupt, but would create rippling effects throughout the economy leading to systemic failure. ==Objectives of bank regulation== The objectives of bank regulation, and the emphasis, vary between jurisdictions. The most common objectives are: # Prudential—to reduce the level of risk to which bank creditors are exposed (i.e. to protect depositors)〔(【引用サイトリンク】title=Risk Management Manual of Exam Policies, Section 1.1 )〕 # Systemic risk reduction—to reduce the risk of disruption resulting from adverse trading conditions for banks causing multiple or major bank failures # Avoid misuse of banks—to reduce the risk of banks being used for criminal purposes, e.g. laundering the proceeds of crime # To protect banking confidentiality # Credit allocation—to direct credit to favored sectors # It may also include rules about treating customers fairly and having corporate social responsibility (CSR) 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「bank regulation」の詳細全文を読む スポンサード リンク
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