During the second stage of micro-prudential regulation during 1992-2006, which of the following regulation was adopted by Chinese government?

Question

BlackTom AI · Accepted Answer

The prompt asks about the second stage of micro-prudential regulation in China during 1992-2006 and which regulation was adopted.

First, note that the given data includes an answer claim: "Introduction of Loan-deposit ratio". However, no answer options are provided in the input, so we cannot enumerate and analyze each alternative against the missing set of choices. This limits our ability to compare the stated correct option to other possibilities.

Given the sole provided answer, consider what the concept of a loan-deposit ratio (LDR) regulation would imply in the context of micro-prudential regulation:
- If a policy introducing or tightening a loan-deposit ratio existed, it would serve as a guardrail linking banks’ lending activity to the base of deposits, with the aim of restraining excessive credit growth and reducing liquidity risk exposure for individual banks. This aligns with micro-prudential goals, which focus on the safety and soundness of individual institutions.
- The rationale behind adopting an LDR constraint would be to prevent banks from over-leveraging relative to their core funding, thereby limiting maturity mismatch and asset-liability risk at the institution level. It would be a tool used within the prudential framework to discipline risk-taking, rather than a macro-prudential policy aimed at system-wide stability.

Without the other options, we can only articulate why a true statement about an LDR-type regulation would fit micro-prudential aims: it directly constrains a bank’s risk-taking behavior at the level of an individual institution by tying a lending metric to a funding base.

If other options were available, we would evaluate them as follows:
- Any choice describing a macro-prudential or systemic tool (e.g., capital adequacy framework, system-wide liquidity stress testing) would be argued as less directly aligned with micro-prudential regulation focused on banks’ internal risk controls.
- Any option implying a policy targeting consumer behavior or broad economic growth without a direct link to bank-level safety and soundness would be considered less consistent with micro-prudential aims.
- Any statement claiming no such regulation was adopted would be challenged by the historical emphasis on prudential controls during that era, though we would need concrete evidence from sources to confirm.

In sum, with the current information set, the provided answer suggests that an LDR regulation was introduced in that period as part of micro-prudential regulation. That interpretation would be sensible if one views LDR as a tool to cap bank lending relative to deposits to strengthen individual bank risk management. Unfortunately, due to the absence of the full set of answer options, a definitive comparative analysis of all choices cannot be completed here.

SP25_ECON_363_1 Problem set for week 7

During the second stage of micro-prudential regulation during 1992-2006, which of the following regulation was adopted by Chinese government?

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