Financial Institutions & Markets

Project Instructions

For this project, you should consider the role of banking regulations on the international financial markets. The US deregulated banks in the 1980s and there have been definite consequences, which impacted mortgage lending in the 1980s and culminated in the sub-prime mortgage market collapse in the 2000s. Both US banks and foreign banks were involved in the sub-prime mortgage problems.

You will research banking regulations through their studies and online, gaining a factual and historical perspective. You should consider the impact of regulations on both global and local economies. The textbook and course curriculum both provide ample opportunity to explore the issues involved in the banking industry.

You will present a well-written proposal for banking reform in the form of technical writing. A suggested format would be the following:

First determine and define the target audience then craft a thoughtful well-written and researched document that explains the issues in terms the target audience will understand. You are free to determine the target audience you feel is most appropriate, but it is recommended that you target a wide and general audience that may not be familiar with the issues, concepts, or terminology of banking. However, this is not an absolute requirement, and you may prefer to target a more sophisticated and knowledgeable audience. This aspect alone provides a greatdeal of flexibility for you to self-direct the project parameters.

1) Start with an abstract and overview of the issues,

2) Present the recent history of how the US got where it is now, covering at least the past 30years; you should feel free to explore the history of banking prior to 1980 as well, and point outhow pre-1980 banking regulations influenced the economy,

3) Discuss the current US national and international banking situation, including current
regulations and proposed regulations and practices;

4) Consider and discuss the effects and influence of large corporate banks on lending practicesin various markets including Wall Street, corporate finance, and the local economies;

5) Raise issues that you consider to be the crux of the problems, and explain why those issuesare critical and need to be resolved;

6) Make a proposal to correct the issues and problems raised above, supported by facts andexamples;

7) Recap the discussion with a clear summation of the issues and your recommendations.