Two Key Issues Concerning the Supervision of Bank Safety and Soundness
探讨两个问题：市场失灵如何导致银行安全与稳健的公共监管需求，以及房利美和房地美两大抵押贷款政府赞助企业带来的系统性风险。
This commentary focuses on two specific issues. The first asks, What are the market failures that actually create the need for the public regulation of bank safety and soundness? The second issue concerns the safety and soundness issues created by the two mortgage government-sponsored enterprises, Fannie Mae and Freddie Mac, whose very large financial obligations pose a serious systemic risk threat to U.S. financial markets.