Liquidity Requirements

Module:  International Banking and Finance Law  Choose one from the titles:   Title:  1. How do the Basel III liquidity requirements, as implemented in the EU CRD IV package, protect against a future financial crisis? Critically discuss whether the liquidity requirements are appropriate or whether more stringent requirements should have been placed on UK banks.  2. The Single Resolution Mechanism within the European Banking Union has introduced new regulatory tools to deal with failing banks i.e. the recovery and resolution plans (or living wills). However, the living wills are not a panacea to reduce the systemic risk in the banking system. Critically discuss.  3. The UK bank-customer relationship is regulated by contract however, it does not place on the bank any duty to advise the customer on the wisdom of commercial projects. Critically discuss.  4. Bank non-performing loans (NPLs) require intrusive monitoring tools: effective corporate governance is crucial in dealing with the deterioration of loans however, perverse incentives to delay their recognition leave the process at risk. Critically discuss.