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200 Finance Dissertation Topics: Quick Ideas For Students

Finance dissertation topics are on-demand in the 21st century. But why is this so? It may perplex you how everyone is up and down looking for interesting, quality finance topics. However, the answer is simple: because fascinating finance dissertation topics can earn students bonus points. We will delve into that in just a second. Your finance topic dictates the difficulty of the assignment you are going to handle. Landing on the right topic means that you will not have to toil as much as when you pick a highly complex topic. Does it make sense? Let’s explore the nitty-gritty of finance dissertation papers before we get into mentioning the top-rated finance research topics list.

What Is A Finance Dissertation?

As the name goes, finance dissertation is a kind of writing that investigates a particular finance topic selected by the student. The topics range from the stock market, banking, and risk management to healthcare finance topics.

This dissertation provides the student with a degree of academic self-confidence and personal satisfaction in the finance field. Finance writing requires extensive research to create a persuasive paper in the end.

Writing Tips For Finance Dissertations

Are you uncertain concerning what you need to do to compose a top-notch finance dissertation? Worry no more! Our professional writers have put together some essential suggestions to kick you off. In the next few minutes, you will be in a position to create a perfect finance dissertation painstakingly:

• Narrow down your topic : Trim down your finance topic to a specific niche. It should focus on one region; either micro-finance, macro-finance, or internet banking.
• Verify your facts : Finance is a field that includes a lot of statistical data to be followed logically. Therefore, verify facts and figures with reliable sources before opting to use them in your paper.
• Write concisely : Unlike other papers with long narrative tales, you should encapsulate a finance paper into a tight, concise paper. The rule of ‘short is sweet’ technically applies here at great length.
• Arrange your data neatly : A paper that is stuffed with numerals and charts all over may turn down a reader at first sight. For an impressive finance thesis, know-how and when to use your data.
• Write simply : Avoid jargon that may confuse an ordinary reader. Where a need is for technical terms to be used, illustrate them with relatable examples. Simplicity is gold in a finance dissertation. So, use it well.

With these tips and tricks, you are all set to start writing your finance paper. We now advance to another crucial part that will make sure your finance paper is refined and at per with your institution’s academic standards.

General Structure of a Finance Dissertation

It is crucial to consult your supervisor regarding your dissertation’s research methodology, structure, style, and reasonable length. Depending on the guidance of your supervisor, the structure may vary. Nonetheless, as a general guide, ensure the following sections are part and parcel of your dissertation:

• Introduction: State the problem that you intend to address in your dissertation. It also includes a definition of key terms, the relevance of the topic and a summary of hypotheses.
• Theoretical and empirical literature, hypotheses development and contribution: It provides the theoretical framework of your study. The hypotheses are based on the literature review.
• Data and methodology: State the model (i.e. dependent and key independent variables) that you want to use the drawing on theoretical framework or economic argument that you may employ for your analysis. Define all control variables and describe the data used to test the hypothesis.
• Empirical results: Describe the results and mention whether they are consistent with the hypotheses and relate them with the existing evidence in the literature. You will also describe the statistical and practical/economic significance of your findings.
• Summary and conclusion: Summarize your research and state the general conclusion with relevant implications.

It is important to have all the dataset you want to use readily available before finalizing the topic. The dataset is essential for testing your hypotheses. There are thousands of research topics for finance students available all over the internet and academic books. You only have to browse and lookup for the latest research or refer to past readings or course lectures. Even though this exercise may look simple enough on the surface, it takes a lot of time to consider what makes for interesting finance topics adequately. Not all ideas you find will achieve the academic requirements that your supervisor expects from you. Here is a list of freshly mint topics to use for numerous finance situations:

Impressive Healthcare Finance Topics

Healthcare involves more than just treating patients and administering injections. There are finance aspects that also come into play, including:

• Strategies for marketplace achievement in turbulent times: Medical staff marketing
• Effects of the employer executive compensation and benefits plan after the Tax Reform Act of 1986
• Improving profitability through accelerating philanthropic giving to healthcare systems
• Acceleration and effective information strategies for cash management in hospitals
• Finding the system’s solution to health care cost accounting
• How hospitals spend money from charitable organizations and donor funding
• Models of enhancing cost accounting efforts by improving existing information sources
• Strategies of increasing cash flow with a patient accounting review
• A systematic review of productivity, cost accounting, and information systems
• A study of the cost accounting strategies under the prospective payment system
• How to manage bad debt and charity care accounts in hospitals
• Achieving more value from managed care efforts in healthcare systems
• Strategies of achieving economies of scale through shared ancillary and support services
• Profitable ways of financing the acquisition of a health care enterprise
• Effects of mergers and acquisitions on private hospitals
• Measuring nursing costs with patient acuity data in hospitals
• Affordable treatment and care for long-term and terminal diseases
• Survey of the organization and structure of a hospital’s administration concerning financing
• Impact of culture and globalization on healthcare financing
• Discuss the necessity for universal health coverage in the United States

Finance Management Project Topics

If you are a finance management enthusiast, this section will impress you the most:

• The impact of corrupt bank managers on its sustainability
• How banks finance small and medium-scale enterprises
• Loan granting and its recovery problems on commercial banks
• An evaluation of credit management in the banking industry
• The role of microfinance banks in the alleviation of poverty in the US
• Comparative evaluation strategies in mergers and acquisitions
• How to plan and invest in the insurance sector and tax planning
• Impact of shareholders on decision-making processes on banks
• How diversity in banks affects management and leadership practices
• Credit management techniques that work for small scale enterprises
• Appraisal on the impact of effective credit management on the profitability of commercial banks
• The impact of quantitative tools of monetary policy on the performance of deposit of commercial banks
• Financial management practices in the insurance industry and risk management
• The role of the capital market in economic development
• Problems facing financial institutions to the growth of small scale business in the USA
• Why training and development of human resources is a critical factor in bank operations
• The impact of universal banking financial system on the credibility
• Security threats to effective management in banks
• The effect of fiscal and monetary policy in controlling unemployment
• The effects of financial leverage on company performance

Topics in Mathematics With Applications in Finance

Mathematics and finance correlate in several ways in that they borrow concepts from each other. Here are some of the mathematics concepts that apply to finance paper topics:

• Linear algebra
• Probability theory
• Stochastic processes
• Regression analysis
• Value at risk models
• Time series analysis
• Volatility modelling
• Regularized pricing and risk models
• Commodity models
• Portfolio theory
• Factor modelling
• Stochastic differential equations
• Ross recovery theorem
• Option, price, and probability duality
• Black-Scholes formula, Risk-neutral valuation
• Introduction to counterparty credit risk
• HJM model for interest rates and credit
• Quanto credit hedging
• Calculus in finance and its application

International Finance Topics

International finance research topics deal with a range of monetary exchanges between two or more nations. Below is a list of international research topics in finance for you to browse through and pick a relevant one:

• A study of the most important concepts in international finance
• How internal auditing enhances good corporate governance practice in an organization
• Factors that affect the capital structure of Go Public manufacturing companies
• A financial engineering perspective on the causes of large price changes
• Corporate governance and board of directors responsibilities
• An exploratory study on the management of support services in international organizations
• An accounting perspective of the need for theorizing corporation
• Impact of coronavirus on international trade relations
• Is business ethics attainable in the global market arena
• How exchange rates affect international trading
• The role of currency derivatives in shaping the global market
• How to improve international capital structure
• How to forecast exchange rates
• Ways of measuring exposure to exchange rates fluctuations
• How to hedge exposure to exchange rates fluctuations globally
• How foreign direct investment puts individual countries at risk
• How to stabilize international capital markets
• A study of shadow banking in the global environment
• A comparative analysis of Western markets and African markets
• Exploring the monetary funding opportunities by the International Monetary Fund

Corporate Finance Research Topics

These 20 topics have the potential to help you write an amazing corporate finance paper, provided you have the will to work hard on your paper:

• Short- and long-term investment needs for working capital trends
• Identifying proper capital structure models for a company
• How capital structure and an organization’s funding of its operations relate
• Corporate finance decision making in unstable stock markets
• The effect of firm size on financial decision making incorporates
• Compare and contrast the different internationally recognized corporate financial reporting standards
• Evaluate the emerging concept integrated reporting in corporate finance
• Managing transparency in corporate financial decisions
• How technological connectivity has helped in integrated financial management
• How different investment models contribute to the success of a corporate
• The essence of valuation of cash flows in financial and non-financial corporates
• Identify the prevalent financial innovations in the USA
• Ways in which governance influences corporate financial activities
• Impact of taxes on dividend policies in developed nations
• How corporate strategies related to corporate finance
• Implications of the global economic crisis in the backdrop of corporate finance concepts
• How information technology impact corporate relations among companies
• Evaluate the effectiveness of corporate financing tools and techniques
• How do FDI strategies compare in Europe and Asia?
• The role of transparency and liquidity in alternative corporate investments

Finance Debate Topics

These finance debate topics are formulated in keeping with emerging financial issues globally:

• Is China’s economy on the verge of ousting that of the US?
• Does the dynamic nature of the global market affect the financial alienations of countries?
• Is Foreign Direct Investment in retail sector good for the US?
• Is it possible to maintain stable oil prices in the world?
• Are multinational corporations good for the global economy?
• Does the country of origin matter in selling a product?
• Are financial companies misusing ethics in marketing?
• Why should consumer always be king in marketing messages?
• Does commercialization serve in the best interest of the consumer?
• Why should companies bother having a mission statement?
• Why should hospitals receive tax subsidies and levies on drugs?
• Is television the best medium for advertisement?
• Is the guarantor principle security or a myth?
• Compare and contrast market trends in capitalism versus Marxism states
• Does the name of a business have an impact on its development record?
• Is it the responsibility of the government to finance small-scale business enterprises?
• Does budgeting truly serve its purpose in a company?
• Why should agricultural imports be banned?
• Is advertising a waste of company resources?
• Why privatization will lead to less corruption in companies

Finance Topics For Presentation

Is your group or individual finance presentation giving you sleepless nights just because you do not have a topic? Worry no more!

• The role of diplomatic ties in enhancing financial relations between countries
• Should banks use force when recovering loans from long-term defaulters?
• Why mortgages are becoming difficult to repay among the middle class
• Ways of improving the skilled workforce in developing
• How technology creates income disparities among social classes
• The role of rational thinking in making financial decisions
• How much capital is necessary for a start-up?
• Are investments in betting firms good for young people?
• How co-operatives are important in promoting communism in a society
• Why should countries stop receiving foreign aids and depend on themselves?
• Compare and contrast the performance of private sectors over public sectors
• How frequent should reforms be conducted in companies?
• How globalization affects nationalism
• Theories of financial development that is still applicable today
• Should business people head the finance ministry of countries?
• The impact of the transport sector on revenue and tax collection
• The impact of space exploration on the country’s economy
• How regional blocs are impacting developing nations
• Factors contributing to the growth of online scams
• What is the impact of trade unions in promoting businesses?

Finance Research Topics For MBA

Here is our best list of top-rated MBA financial topics to write about in 2023, which will generate more passion for a debate:

• Evaluate the effect of the Global crisis to use the line of credit in maintaining cash flow
• Discuss options for investment in the shipping industry in the US
• Financial risk management in the maritime industry: A case study of the blue economy
• Analyze the various financial risk indicators
• Financial laws that prevent volatility in the financial market
• How the global recession has impacted domestic banking industries
• Discuss IMF’s initiatives in tackling internal inefficiency of new projects
• How the WTO is essential in the global financial market
• The link between corporate and capital structures
• Why is it important to have an individual investment?
• How to handle credit crisis in financial marketing
• Financial planning for salaried employee and strategies for tax savings
• A study on Cost And Costing Models in Companies
• A critical study on investment patterns and preferences of retail investors
• Risk portfolio and perception management of equity investors
• Is there room for improvement in electronic payment systems?
• Risks and opportunities of investments versus savings
• Impact of investor awareness towards commodities in the market
• Is taxation a selling tool for life insurance
• Impact of earnings per share

Public Finance Topics

These interesting finance topics may augur well with university students majoring in public finance:

• Financial assistance for businesses and workers during Coronavirus lockdowns
• Debt sustainability in developing countries
• How we can use public money to leverage private funds
• Analyze the use of public funds in developed versus developing countries
• The reliability of sovereign credit ratings for investors in government securities
• Propose a method of analysis on the cost-benefit ratio of any government project
• The role of entities in charge of financial intermediation
• The reciprocity and impact of tariff barriers
• Impact of the exempted goods prices on the trade deficit
• Investor penalties and its impact in the form of taxes and penalties
• Public government projects that use private funds
• Ways of measuring the cost of sustainability
• Maintaining economic growth to avoid a strong recession
• The impact of the declining income and consumption rates
• Effects of quarantine and forced suspension of economic activity
• Innovative means of limiting the scale of pandemic development
• The growing scale of the public debt of the public finance system
• A critical analysis of the epidemiological safety instruments used in countries
• The growing debt crisis of the state finance system
• How to permanently improve and increase the scale of anti-crisis socio-economic policy planning

Business Finance Topics

You can address the following business finance research papers topics for your next assignment:

• How organizations are raising and managing funds
• Analyze the planning, analysis, and control operations and responsibilities of the financial manager
• Why business managers should take advantage of the federal stimulus package
• Economical ways of negotiating for lower monthly bills
• Evaluate the best retirement plans for entrepreneurs
• Tax reform changes needed to spearhead businesses to the next level
• How politicians can help small businesses make it to the top
• Setting up life insurance policies from which you can sidestep the banks and loan yourself money
• Why every business manager should know about profit and loss statements, revenue by customers and more.
• Advantages of creating multiple corporations to business entrepreneurs
• Why good liquidity is a vital weapon in the face of a crisis
• Reasons why many people are declaring bankruptcy during the coronavirus pandemic
• Why you should closely examine the numbers before making any financial decisions
• Benefits of corporations to small scale business ventures
• How to start a business without money at hand
• Strategies for improving your company’s online presence
• Discuss the challenge of debt versus equity for small-scale businesses
• The impact of financial decisions on the profitability and the risk of a firm’s operations
• Striking a balance between risk and profitability
• Why taking the ratio of current assets to current liabilities is important to any business

You can use any of the hot topics mentioned above for your finance dissertation paper or opt for our thesis writing services . We have competitive finance dissertation writing experts ready to tackle your paper to the core. Try us today!

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233 best finance dissertation topics to write about.

August 10, 2021

Hearing about finance thesis topics or finance management project topics could scare you. Many finance students are afraid of digging into their finance research topics list because of the complexities that could be involved. You can center your essay, presentation, paper, or dissertation on any aspect of finance. It could be corporate finance, healthcare finance topics, or something about managing financial risks.

To ease your fear and make your research easy, here are topics across different parts of finance for you. You may be an MBA student, college student, or student in need of writing tips. With these topics, you should only bother about how to write your research.

Finance Research Topics for MBA

You may be interested in writing on risk management or other forms of finance paper topics to fulfill your MBA requirements. You can consider these finance management project topics:

• Assess the capital management and investment choices of (company)
• Attempt a research study on Employee salary plan and Employee strategy for paying taxes
• Assess the intermediaries in the stock market and how they affect or improve market growth
• A comparative study between traditional finance methods in America and the influence of Fintech
• Invoice: a contemporary perspective on client-customer accountability
• An Assessment of life insurance and health insurance and how it contributes to financial realities
• A critical assessment of risk management in internet trading
• A study of investment and the investor in stock market
• A critical Assessment of the commodity market in North America
• A study of investment selfishness and protection of company interest by management
• An Analysis of risk management strategies and how it has worked overtime
• A study of capitalism and how it bears semblance to China’s communism
• A bird’s eye view at the stock exchange of India and New York
• The study of debt patterns and how they affect savings
• The study of debt patterns and how they affect financial accountability
• The study of saving patterns and how it relates to financial management
• A survey of investment preferences and strategies of real estate investors
• A critical analysis of investment preferences and strategies of retail investors
• The study of stocks in the banking sector
• Small business and medium-sized business: a Critical Assessment of investment choices, strategies, and risks
• The Assessment of risk in mutual funds
• The assessment of risk in the commodity market
• The Assessment of risk and risk patterns in Forex trading
• The danger and blessings of reliability on Cryptocurrency
• Cryptocurrency: the way forward for the digital age and the risks involves in financial and data security
• A study of budget control, inventory management and their roles in business growth
• Online payment: the risk and the growth of financial technology
• The study of income and taxation: how low-income earners fair in a capitalist society
• The financial risk of Chinese Communism
• What are multi-level marketing and its distinctions to other forms of entrepreneurial marketing systems?

Finance Research Topic List

If you’re looking for topics to base your research on, there are limitless healthcare finance topics, finance management topics, and many others for your finance dissertation. You can consider the following topics shaped in the form of questions for your project.

• Digital currency: how digital marketing and sales have changed the world of currency and channels for trade
• Data protection: what is new and how does it impact social security?
• Financial Technology: the strategies of development and how it has challenged the status quo
• Blockchain technology: what does it mean for the world?
• Crowdfunding: how has social media contributed to emergency financial assistance
• A critical attempt to study portfolio Management in the UK
• A study of foreign exchange and the risk involved in such Transactions
• Trends and challenges of the innovations in financial technology
• The Development of online trading and what it means for the world and risk management
• A study of equity and technical analysis before and after investment
• Bonds and risk clearing in the banking sector
• The banking sector and how it bears semblance with the insurance industry
• Organizational investment chart: the risk and the profits for the past 5 years and what was responsible for risks and profits
• Compare and contrast the marketing systems of two companies
• Investment companies: how price fluctuations could affect business Transparency and customer trust
• Agriculture and business: how does it work together?
• Gold and diamond: an assessment of luxury goods Industry
• Retail industry: how business owners manage themselves in periods of financial crisis, a case study of Ali Baba
• A critical assessment of students loans in the UK and the US
• Insurance companies and the complexities around their roles in the promotion of financial security
• Financial security: the reality of a lie for middle and low-income earners
• The study of business preferences in investors and how it affects what is considered “credible” businesses and otherwise
• How financial growth relates to financial independence
• Why an international and mega-company can’t be without debt
• A critical Assessment into the theories of financial probability and how it affects business growth

Research Topics for Finance Students

If you’re interested in finance research papers topics, you may want to blow the mind of your professor with practical approaches to contemporary issues. You can consider the following topics for your university essay or project:

• A study of banking and the growing significance of digital banks over physical banks
• An attempt to assess reasons behind the fierce opposition of banks towards digital currency trends in recent years
• The digital age and the challenges to banking and risk management
• A study of security practices in protecting online data on retail stores and digital trading centers
• Terrorism: an attempt to identify the loopholes of AI and Fintech in recognizing suspicious patterns to tackle terrorism
• Ethics of banking profits: what is right and what is wrong for the customer
• The developments of UK exits of Brexit and what it means for the UK banking system, the public, and the international community
• The education of accounting in the UK and its influence on the banking sector
• Auditing: a Critical Assessment on the theories of trust in business
• How contemporary accounting standards can be driven to exceed the expectations of regulators
• The need for regulators in the international financial systems
• A critical assessment of the financial systems of the UN
• Accounting programs: compare and contrast the systems of the US and the systems of the UK
• Law: where legal aid is essential in financial protection in business by two or more founders
• Financial accountability and risk management: a case study of (an NGO)
• Contemporary financial trends and how it complicates or improve the financial sector
• Analyze the challenges of modern banking systems and the risk for customers
• Poverty alleviation schemes: a sham or a potential means to reduce poverty
• The study of regulation and supervision in the banking industry
• An Analysis of the strategies employed by microfinance institutions which leads to growth of business decline
• A critical assessment of the trends in financial technology and its impacts on the growth of the industry within a 10-year scope
• International banking and the systems to discover risk and fraud
• Fraud: how Financial institutions can tackle the challenge of online scam
• The transition from Traditional financial systems to contemporary financial systems: what changed?
• The concerns of the public and their reactions to the commencement of IFRS in the UK
• A critical study of real estate companies and agencies in the UK through the eyes of a banker
• Investment banking: the link between capital structure and property management
• An investigation into the influence of digital retail industries on the economic growth of US
• Domestic and foreign banks: a study of profitability and risks
• Retail Industry: how COVID-19 affected investment in the offline retail industry

Finance Topics for Presentation

If you’re considering research topics in finance for your presentation, you can as well choose business finance topics. These are topics about real-life situations which you can reflect on to your selected audience. Depending on the situation, you can fine-tune the following topics to your interest:

• An analysis of a trend in the finance industry over the past two years
• An assessment of pension plans and how retirees could remain in financial penury
• Report of trading and the competition across countries of the world
• The weakness of mutual funds and how it poses a challenge in the present day Financial market
• How companies manage their asset and the chains of distribution
• A critical Assessment of consumer behavior towards marketing in online stores and physical stores
• Risk management and what it means for small businesses in the digital age
• A guide to Forex trading and the things you must be conscious of
• A study of trading accounts and trader interest in digital investments
• An attempt to study investor protection and SEBI
• The economic chart of China’s Belt and Road initiative and what it means for the international economy
• The sustainability of Chinese economic growth: possibilities and dangers
• The economic ties of China with Russia: the politics and the economic interests
• The distinction between international politics and economics
• The benefits of the global market in Chinese economic progression
• Exchange rates and what leads to the changes in the market structure
• How you can manage your finances even when you save more than half of your earnings
• Macroeconomics and the problems of the international community: what is the role of macroeconomics in today’s world?
• What are the standards of financial reporting and how does it improve business accountability
• The profit of firms and how it affects corporate social responsibilities

Corporate Finance Research Topics

If you need a finance research topic list on investment, banking, or any other sector of international finance, you can still impress your professor with your topic choices. You can consider:

• Does auditor independence help in achieving transparency and accountability in business?
• Organizational structure and how it related to corporate debt rate
• The ethical challenges of corporate finance and possible solutions for financial security
• The importance of bank officials in the international stock exchange market
• The effect of price fluctuations in the prices of stocks and bond ratings
• The importance of the knowledge of business finance for an entrepreneur
• Business modernization: what has changed and what remains practical?
• Economic crisis: the challenge on corporate organizations and how they overcome economic death
• Corporate organizations: a study of three companies and how they fared during the 2008/09 economic recession
• Corporate organizations: the challenges COVID-19 pandemic caused and how they overcome it
• Financial crisis: how the banking industry can help in the circulation of money
• Why corporate organizations should learn about accounting and auditing
• The economic structure of a corporate organization of your choice
• The problems and challenges faced by corporate organizations under the contemporary financial systems
• Financial realities: what it means for personal finances and corporate finances

International Finance Topics

If you’re interested in writing about international finance topics, you are not restricted to a particular continent or the economic part of the international economy. You can flex your potential across continents, even the politics involved in the economic systems of countries. You can consider finance research paper topics like:

• A critical study of foreign investment and the trend of economic growth in Ghana
• A study of the economy of China and Russia in the last 10 years
• The trends in the international economic systems
• The politics of international economy and how policies have political undertones
• Saudi economic reform: the changes in foreign economic structures
• Oil and gas industry: the market share of the industry and how it determines overall economic capacities of a country
• The role of small businesses in the economic growth of the US
• The advantages and challenges of digital banking
• Assess the benefits and dangers of foreign investment in any African country
• Study the trends of the Belt and Road initiative in the past 5 years and identify the changes in the acceptance of China’s economic power
• The Financial crisis of 2007 was inevitable: discuss
• What determines payouts and corporate dividends?
• A review of financial terms in the international context
• The effectiveness of financial forecasts and their impacts on internal development
• An Assessment of the need for financial corporations in any country in Latin America
• Global Financial crisis and what it means for every country of the world
• Regional integration and the importance in a capitalist or socialist environment
• What causes the devaluation of the currency of any country of your choice
• What is the role of International Monetary Funds in alleviating systemic poverty in beneficiary countries
• A study of liberal international economy and its potential benefits to all

Interesting Finance Topics

There are also interesting research topics for finance students to write about in your paper or essay. You can consider the following finance paper topics:

• A study of the financial policies and structure of the United States under President Donald Trump
• How can companies fail through their financial decisions: a case study of two companies
• The role of financial markets in the sharing of Financial Resources?
• The challenges of modernity in answering questions about digital banking
• Social security: the financial side that protects customers
• The possibilities of regulating the economy of a country through its financial resources and outlets
• NGOs: the formation of financial resources and the problems associated over time
• What do you think about taxes?
• The principles of capitalism and how it affects personal savings for low-income earners
• The ethics of financial management
• The theory of economic integration in Europe
• The UK exit Brexit: what does it mean for regional economic integration?
• Budgetary and the challenges of the system
• The implementation of taxation and the economic significance
• Loans as the potential source of constant debt
• There is more mathematics in finance
• Finance encompasses the economy of nations and offers insights into functionalities
• Online Investments: the test of individual financial choices

Public Finance Topics

If you want to know about the influence of a government in the economy of its state, you may need to analyze the context of finance, debt, taxation, and other finances. For your finance thesis topics, you can consider:

• A critical study of the US government in its financial systems
• The evaluation of how taxes are used to increase revenue
• The idea of theory and practice when it involves taxation policies and implementations in the UK
• How government share the revenue it raised
• Budgeting and accounting systems of the government of your state of choice
• Public finance and policies and how it could affect international trade
• Public financial policies and how they could influence a company’s growth
• The effects of the public finance sector on the international market
• Economic efficiency and the role of public finance in achieving it
• The world bank and its financial roles in an Asian country of your choice
• Can countries do without financial regulatory bodies?
• The role of public finance in increasing the growth of small business owners
• The effect of population explosion on public finance
• The Influence of modernity and technology on government Financial decisions
• A study of bad credits and what it means for personal finances
• An analysis of the economic reforms of President Xi of China
• An analysis of the economic reforms of the United States under President Biden
• An assessment of the economic reforms in contemporary Russia
• An assessment of the economic systems before industrialization and after industrialization
• The Influence of politics on public finance and growth
• How does the relationship between the World Bank and a developing country aid or impeded economic development in that country?
• How the implementation of hedge funds can help increase the economy of a country
• The differences between loans and foreign investments
• Public finance and poor management: what does it mean for the public?
• How can governments make wise economic policies and reforms?

Finance Debate Topics

You may want to try international finance topics and convert them into a debate. There are many arguable financial topics to write about. You can explore the following topics:

• College Education should be free
• The evolution of digital banking makes every insecure
• People do not need health or life insurance
• Personal finance has nothing to do about personal behavior, it’s all about a high level of income
• Buying a used car is better than buying a new car
• It’s better to pay a student loan off first
• Multinational corporations exist to keep their host countries in perpetual economic decline
• The monopoly of multinational corporations is a sin
• Cryptocurrency leads to financial insecurity
• The digital retail Industry is the death of physical retail stores
• Quality over quantity: what matters?
• Job security is not what the government can guarantee
• Financial security is a myth
• Poverty alleviation schemes are only schemes that meet present challenges; they’re not sustainable
• Healthcare should be commercialized
• Everyone should access basic social needs without paying for it
• The institution of taxation is dangerous for financial independence
• There should be no poor people in developed countries
• Capitalism is no better than communism as a flawed economic system
• The danger of foreign aid is more than its benefits
• Corruption is inevitable in the government and the private sectors
• Nationalism is the death of globalized economics
• There is no economic freedom
• What makes multinational corporations superior is the backing of their home government
• The weakness of a country is its economic policies, not the people
• Private companies cannot help to improve a country’s economy
• The industries of the public sector should be in private hands
• Trade unions help secure better economic reforms
• Corruption is inevitable in a growing economy
• Oil is a major contributor to the growth of world finance
• Loans are for the good of the borrower
• Foreign investment is a curse in disguise
• You can’t save up on your own

Topics in Mathematics with Applications in Finance

As you know, there are certain aspects of Mathematics in finance. If you want to elaborate on any topic in finance with connection to mathematics, you can choose either of the following:

• Single variable calculus
• Linear algebra
• The concept of probability
• Statistics and charts
• Value Added Tax
• The models of Value At Risk (VAR)
• Stochastic Processes
• The modeling of volatility
• The models of commodity
• The study of portfolio management
• Factor modeling
• Risk neutral valuation
• The recovery theory of Ross
• Interest rates and credits: HJM models
• The time series models
• The Quanto credit hedging
• The theory of counterparty credit risk

Are You Having Trouble With Your Finance Dissertation?

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Finance Dissertation made simple.

Embarking on your dissertation adventure? Look no further! Choosing the right dissertation topic is like laying the foundation for your research journey in finance, and we're here to light up your path. In this blog, we're diving deep into why dissertation topics in finance matter so much. We've got some golden writing tips to share with you! We're also unveiling the secret recipe for structuring a stellar finance dissertation and exploring intriguing topics across various finance sub-fields. Whether you're captivated by cryptocurrency, risk management strategies, or exploring the wonders of Internet banking, microfinance, retail and commercial banking - our topic buffet will surely set your research spirit on fire!

What is a Finance Dissertation?

Finance dissertations are academic papers that delve into specific finance topics chosen by students, covering areas such as stock markets, banking, risk management, and healthcare finance. These dissertations require extensive research to create a compelling report and contribute to the student's confidence and satisfaction in the field of finance.

Why Are Finance Dissertation Topics Important?

The choice of your finance dissertation topic is essential as it will influence the course of your research. It determines the direction and scope of your study. Here are a few reasons why finance thesis topics are important:

1. Relevance

Opting for a relevant topic ensures that your research contributes to the existing body of knowledge and addresses contemporary issues in the field of Finance. Choosing a topic relevant to the industry can make a meaningful impact and advance understanding in your chosen area.

2. Personal Interest

Selecting a topic that aligns with your interests and career goals is vital. When genuinely passionate about your research area, you are more likely to stay motivated during the dissertation process. Your interest will drive you to explore the subject thoroughly and produce high-quality work.

3. Future Opportunities

A well-chosen dissertation topic can open doors to various future opportunities. It can enhance your employability by showcasing your expertise in a specific finance area. It may lead to potential research collaborations and invitations to conferences in your field of interest.

4. Academic Supervision

Your topic choice also influences the availability of academic supervisors with expertise in your chosen area. Selecting a well-defined research area increases the likelihood of finding a supervisor to guide you effectively throughout the dissertation. Their knowledge and guidance will greatly contribute to the success of your research.

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Writing Tips for Finance Dissertation

Writing a finance dissertation can be challenging, but you can navigate the process more effectively with proper planning and organisation. Given below are some tips to assist you along the way:

1. Select a Manageable Topic

Choosing a manageable topic within the given timeframe and resources is important. Select a research area that interests you and aligns with your career goals. It will help you stay inspired throughout the dissertation process.

2. Conduct a Thorough Literature Review

A comprehensive literature review forms the backbone of your research. Dive deep into academic papers, books, and industry reports, gaining a solid understanding of your chosen area to identify research gaps and establish the significance of your study.

3. Define Clear Research Objectives

Clearly define your dissertation's research questions and objectives. It will provide a clear direction for your research and guide your data collection, analysis, and overall structure. Ensure your objectives are specific, measurable, achievable, relevant, and time-bound (SMART).

4. Collect and Analyse Data

Depending on your research methodology, collect and analyse relevant data to support your findings. It may involve conducting surveys, interviews, experiments, and analysing existing datasets. Choose appropriate statistical techniques and qualitative methods to derive meaningful insights from your data.

5. Structure and Organization

Pay attention to the structure and organisation of your dissertation. Follow a logical progression of chapters and sections, ensuring that each chapter contributes to the overall coherence of your study. Use headings, subheadings, and clear signposts to guide the reader through your work.

6. Proofread and Edit

Once you have completed the writing process, take the time to proofread and edit your dissertation carefully. Check for clarity, coherence, and proper grammar. Ensure that your arguments are well-supported, and eliminate any inconsistencies or repetitions. Pay attention to formatting, citation styles, and consistency in referencing throughout your dissertation.

Finance Dissertation Topics

Let us explore some exciting topics within Finance. The following list offers a variety of dissertation topics related to different sub-fields of Finance:

Dissertation topics related to Cryptocurrency

• The Impact of Regulatory Frameworks on the Volatility and Liquidity of Cryptocurrencies.
• Exploring the Factors Influencing Cryptocurrency Adoption: A Comparative Study.
• Assessing the Efficiency and Market Integration of Cryptocurrency Exchanges.
• An Analysis of the Relationship between Cryptocurrency Prices and Macroeconomic Factors.
• The Role of Initial Coin Offerings (ICOs) in Financing Startups: Opportunities and Challenges.

Dissertation topics related to Risk Management

• The Effectiveness of Different Risk Management Strategies in Mitigating Financial Risks in Banking Institutions.
• The Role of Derivatives in Hedging Financial Risks: A Comparative Study.
• Analysing the Impact of Risk Management Practices on Firm Performance: A Case Study of a Specific Industry.
• The Use of Stress Testing in Evaluating Systemic Risk: Lessons from the Global Financial Crisis.
• Assessing the Relationship between Corporate Governance and Risk Management in Financial Institutions.

Dissertation topics related to Internet Banking

• Customer Adoption of Internet Banking: An Empirical Study on Factors Influencing Usage.
• Enhancing Security in Internet Banking: Exploring Biometric Authentication Technologies.
• The Impact of Mobile Banking Applications on Customer Engagement and Satisfaction.
• Evaluating the Efficiency and Effectiveness of Internet Banking Services in Emerging Markets.
• The Role of Social Media in Shaping Customer Perception and Adoption of Internet Banking.

Dissertation topics related to Microfinance

• The Impact of Microfinance on Poverty Alleviation: A Comparative Study of Different Models.
• Exploring the Role of Microfinance in Empowering Women Entrepreneurs.
• Assessing the Financial Sustainability of Microfinance Institutions in Developing Countries.
• The Effectiveness of Microfinance in Promoting Rural Development: Evidence from a Specific Region.
• Analysing the Relationship between Microfinance and Entrepreneurial Success: A Longitudinal Study.

Dissertation topics related to Retail and Commercial Banking

• The Impact of Digital Transformation on Retail and Commercial Banking: A Case Study of a Specific Bank.
• Customer Satisfaction and Loyalty in Retail Banking: An Analysis of Service Quality Dimensions.
• Analysing the Relationship between Bank Branch Expansion and Financial Performance.
• The Role of Fintech Startups in Disrupting Retail and Commercial Banking: Opportunities and Challenges.
• Assessing the Impact of Mergers and Acquisitions on the Performance of Retail and Commercial Banks.

Dissertation topics related to Alternative Investment

• The Performance and Risk Characteristics of Hedge Funds: A Comparative Analysis.
• Exploring the Role of Private Equity in Financing and Growing Small and Medium-Sized Enterprises.
• Analysing the Relationship between Real Estate Investments and Portfolio Diversification.
• The Potential of Impact Investing: Evaluating the Social and Financial Returns.
• Assessing the Risk-Return Tradeoff in Cryptocurrency Investments: A Comparative Study.

Dissertation topics related to International Affairs

• The Impact of Exchange Rate Volatility on International Trade: A Case Study of a Specific Industry.
• Analysing the Effectiveness of Capital Controls in Managing Financial Crises: Comparative Study of Different Countries.
• The Role of International Financial Institutions in Promoting Economic Development in Developing Countries.
• Evaluating the Implications of Trade Wars on Global Financial Markets.
• Assessing the Role of Central Banks in Managing Financial Stability in a Globalized Economy.

Dissertation topics related to Sustainable Finance

• The impact of sustainable investing on financial performance.
• The role of green bonds in financing climate change mitigation and adaptation.
• The development of carbon markets.
• The use of environmental, social, and governance (ESG) factors in investment decision-making.
• The challenges and opportunities of sustainable finance in emerging markets.

Dissertation topics related to Investment Banking

• The valuation of distressed assets.
• The pricing of derivatives.
• The risk management of financial institutions.
• The regulation of investment banks.
• The impact of technology on the investment banking industry.

Dissertation topics related to Actuarial Science

• The development of new actuarial models for pricing insurance products.
• The use of big data in actuarial analysis.
• The impact of climate change on insurance risk.
• The design of pension plans that are sustainable in the long term.
• The use of actuarial science to manage risk in other industries, such as healthcare and finance.

In this blog, we have discussed the importance of finance thesis topics and provided valuable writing tips. We have also outlined the structure of a finance dissertation and presented a list of topics within various sub-fields of Finance. We hope this blog has given you great ideas for finance dissertations. Good luck with your finance research journey!

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150 Financial Crisis Essays & Examples

Looking for finance essay topics? You’re in the right place! The subject of financial economics is worth exploring.

💸 Top 10 Finance Essay Topics

🏆 top financial crisis essay examples, 💰 financial crisis essay topics, 👍 financial crisis research paper topics, 🏧 exciting financial essay topics, 📑 financial crisis topics for essays, ❓ research questions about financial crisis, 💯 free financial crisis essay topic generator.

A financial crisis means massive depreciation of financial assets. It usually happens in the forms of banking, currency, and debt crises. Though the issue is studied well, financial crises still occur in various parts of the world.

In your finance crisis essay, you might want to focus on financial management in turbulent periods. Another idea is to discuss what it takes to survive a global financial crisis. One more option is to compare various types of financial crises. Whether you are assigned an argumentative essay, analytical paper, or research proposal, this article will be helpful. Here we’ve collected financial crisis research paper topics, current essay titles, writing tips, and financial crisis essay samples.

• The financial system and its components
• The role of investors in the financial system
• Personal, corporate, and public finance
• Financial risk management
• Quantitative finance and financial engineering
• Behavioral finance: the psychology of investors
• Early history of finance
• History and development of money
• Experimental finance and its goals
• Mathematical modeling in financial markets analysis

• The Importance of Ethics in Business in Light of the Recent Global Financial Crisis The lack of concern for the overall good of the society stemmed from the increase in equity-based compensation to top executives which resulted in the declaration that “the paramount duty of management and board is […]
• Is Globalization the Main Culprit for the 2008 Global Financial Crisis? Globalization has eroded the powers and the sovereignty of the state, the role of the state to regulate and to steer forward the economy has been largely ignored at the expense of the market, these […]
• Ethical Aspects of the Financial Crisis Yet, they would agree that to some degree, the origins of the financial crisis can be traced to the immoral behavior of some individuals who attempted to maximize their own benefits of at the expense […]
• The 2008 Financial Crisis: Causes and Consequences Foster and Magdoff Perspective of 2008 Financial Crisis Foster and Magdoff theory that attempts to explain the 2008 financial crisis attributes it to broader factors of monopoly finance capitalism which is a function of a […]
• Regulation in the Financial Crisis 2008 While numerous claims have been put forth to explain the causes of the 2007-2009 financial crisis, there is almost a universal agreement that the major causes of the financial crisis was the combination of a […]
• Wesfarmers Limited and the Global Financial Crisis In order to put into perspective the effect of the GFC, we shall study the profitability of the firm from 2007 to 2010.
• Theories on Causes of Financial Crisis A financial system shock disrupted the situation and the prices of the houses fell and many people could not pay their loans.
• The Global Financial Crisis Every entity is faced with the inevitable reality of making financial decisions in the following departments; investment for instance where to open shop, dividends for example whether or not to pay and when, working capital […]
• Disadvantages of Developed Country (America) When 2008 Financial Crisis However, the scholars do not singly use this as a reason of terming a country as being developed but also adds on to the fact that people in that country should be having the freedom […]
• Cause of the Financial Crisis The reason for this is quite apparent it was namely the Democrats’ preoccupation with ‘combating poverty’ that resulted in passing of the infamous Community Reinvestment Act and in reinforcing its provisions through the course of […]
• Argentina’s Financial Crisis: A Critical Review of Causes and Effects The unprecedented expansion in the country’s markets and economy at large was attributed to the rise in agricultural exports. The country’s economy was heading in the right direction following the introduction of the convertibility system.
• Changes in Financial Markets and it impact on Recent Financial Crisis Due to the above reason, this study seeks to examine the reasons behind the changes in financial markets during the last 30 years and the role of these changes in the recent financial crisis.
• Impact of the Global Financial Crisis on the Healthcare Industry The global financial crisis threatened to lead to the total breakdown of the global economy. The global financial crisis reduced the funding of that the healthcare facilities received from the government.
• The 1997-1998 Asian Financial Crisis This growth was associated with “inflow of investments, improvements in technology, increases in education, a ready supply of labor as people moved from the countryside to the cities to work in factories, and reduced restrictions […]
• Impact of World Financial Crisis on the UAE Economy The decline in economic growth was reflected in the significant reduction in the country’s GDP. However, the profitability and growth of the sector reduced substantially in 2009 due to the following factors.
• Turkey’s 2000-2001 Financial Crisis The first crisis began at the early 90’s while the second began at the beginning of the 21st century. This led to the collapse of the exchange rate and the beginning of the country’s second […]
• The Recent Financial Crisis The financial crisis has been considered by most economists to be the worst crisis since the Great Depression as it contributed to the failure of major financial institutions in the U.S.and the decline of consumer […]
• Benefits of the Old Fashioned Business Models in the light of Global financial Crisis The purpose of this essay is to establish the benefits and drawbacks of old fashioned business models in the light of global financial crisis with reference to Airdrie bank of Lanarkshire in the UK.
• The 2008 global financial crisis Soros asserts that whereas the U.S.subprime mortgage market is believed to have prompted the current financial crisis, the basis of the crisis derived from the flawed practices and institutions of the current financial system.
• International Finance. Main Causes of Recent Financial Crisis One of the specific factors that can be attributed to the recent international financial crisis was the loss on housing mortgage loans due to the decline of mortgage prices in the market.
• Global Financial Crisis Impact on Australian and World Economies After affecting the banking and credit sectors in the US, the global crisis slowly crept to other countries and in the process became a world crisis.
• Global trade during the financial crisis (from 2006 to 2010) Each of the major trade regions of the world seemed to concentrate more on a given branch of trade and give their outputs to the rest of the world.
• The effect of the global financial crisis on political and financial risks The negative effects of the global financial crisis have been felt in most parts of the world i.e.in the advanced countries, the emerging markets and in the developing world.
• The effect of global financial crisis on Saudi Arabian economy The countries stability of the banking sector was also seen in the change in banking activities over the period of global financial crisis, the country recorded the worst banking growth rate in the years between […]
• The UK Banking Practice that led to financial crisis Crisis of the magnitude that was experienced is a real threat to the economy of any country and it is imperative for people to learn as much as they can to avoid the circumstance that […]
• The Global Financial Crisis and Capitalism for the Elite Rich This Ideology adopted by many if not all of the western nations upholds the private ownership of business and institutions and the owners of these entities are allowed to spread out as much as they […]
• What Caused the 2008 Financial Crisis in the USA? The opposite trends in the cost of mortgage credit and the housing prices also made the home owners participate more in the market since the risk of default was much lower.
• Global Financial Crisis of the United States Mortgage Industry The deterioration of economies called for government to take fast and immediate measures to rescue their nations; the United Nations for instance had to make policies that protected its local industry from the adverse effects […]
• Global Financial Crisis Initially, the collapse of AIG, the under-performance of Fallie Mac and Fannie Mac and the merging of the Bank of America and the Merrill Lynch were the start point of the financial problems in the […]
• The Global Financial Crisis of 2008-2009 The two key sectors that take the blame for the financial crisis of 2008 and 2009 are the financial sector and the real estate industry.
• Minsky’s Economic volatility theory as an evaluation of Financial Crisis The modern Marxist, FSA, and organizational Keynesian perspectives associate the causes of the financial slow down with the implementation of the liberal development framework in 1970s when the “Accord of Detroit” development framework was ditched.
• Global Financial Crisis Causes and Impacts After a number of years since the first occurrence of the crisis, it is still not possible to explain fully the impact of the global financial crisis because the economic emergency keeps on hindering and […]
• Spain’s Financial Crisis The disproportionate growth in the real estate sector, coupled with the expansion of credit needed to finance it, is at the basis of the economic imbalances.
• Short-term decisions lead to the emergence of the global financial crisis Over the years, since the great depression in the 1930’s, the role of management seems to have diverted significantly from expectations as illustrated by the global financial crisis.
• American Financial Crisis It discussed the underlying causes of the crisis and the impact it has had on the economy of the United States.
• East Asian Financial Crisis of 1997-98 However, the quick actives responses by the states in the region helped in the quick aversion of the crisis and its impacts on the region’s economy.
• The Financial Crisis Causes: Moral Hazard and Adverse Selection The consequences were similar in most parts of the world with the main indicators being debt crises, high unemployment rates, a reduction in the number of home ownership facilities and the demand for the same, […]
• East Asian Financial Crisis Analysts have argued that the inherent problem with the approach in the region, especially in Japan, was primarily due to much involvement of the government in guiding the free economy.
• Eurozone Financial Crisis Henceforth, an analysis is drawn of the causes of crisis in the Eurozone. In addition, the effect of this Eurozone crisis did spread to other countries.
• Global Financial Crisis of 2007-2010 In particular, it has shown that many financial institutions are too much dependent on one another, and the collapse of one organization can result in the collapse of the entire system.
• Global Financial Crisis Problems This paper discusses the problem created by the global financial crisis and assesses the viability of the courses of actions taken to counter the problem.
• After the 2007-2010 Financial Crisis: Across the Chaos and Destruction to the Universal Order Because of the half-baked decisions concerning the integration in the Eurozone had been taken, the Great Britain had to sign the agreement with Brussels concerning the further economical steps, which is likely to drive to […]
• Cultural Change at Texaco and Financial Crisis The most important and influential challenge was the opportunity to solve the questions of exclusion and discrimination of the minorities and women from the company’s workforce in such high status posts like management.
• Effect of Global financial crisis on the Gulf Countries The financial crisis which hit the US in the late months of the year 2007 have over time spread to almost all other countries in the world.
• Impacts of Financial crisis on Bahrain Impacts of financial crisis on the country’s economy have accelerated debate within the mainstream of economics and many market analysts have devised economic stimulus plan to confront the crisis.
• Public Discourse under the Financial Crisis in the U.S and Canada The number of people that lost their jobs, the number of companies that ran into bankruptcy and dwindled in self-destruction through foreclosures and closures, the amount of money that was pumped into the economy by […]
• EU Financial Crisis: Risk Management Failures This is for example over- dependence on: the capability of managers to create returns.the merits of financial innovation in efficiently spreading returns and risks in the market, the sufficiency of data and models used for […]
• Carolina Panthers Financial Crisis While it was expected that the team could lose its operating income because of the losses it went through last season, the team emerged as one of the teams that profited greatly in the 2010/2011 […]
• The global financial crisis of 2008 The magnitude and the level of disruption of the global economies have led to speculation of various causes that has contributed to its occurrence.
• Financial Risk Management: Based on the 2008 Global Financial Crisis While it is believed that the U.S.subprime mortgage market might have prompted the occurrence of the global financial crisis, the primary cause of the crisis was founded on the flawed institutional practices and the instability […]
• States regulatory response to the current financial crisis Having been cited by the International Monetary Fund as the leading contributor towards the world economy in 2007, the onset of the financial crisis meant economic disaster to the state.
• The Financial Crisis Impacts on East Asian States The policy response to the currency crisis later led to a crisis in the financial institutions. The financial crisis was similar to the crisis that hit Mexico in 1995 and the difference was only on […]
• The Worst of the Global Financial Crisis Is Still To Come Therefore, considering the numerous flaws that exist in the global economic system and the fact that, most governments have deviated from addressing the real causes of the global financial crisis; hence, formulate strategies of avoiding […]
• Training and Skills Development Programs vs. the Global Financial Crisis The Level of education influences the rate of unemployment in an economy. The increase in gross domestic products is attributed to levels of education and employment.
• ‘What Went Wrong? An Initial Inquiry into the Causes of the 2008 Financial Crisis’ Additionally, failures at the managerial group also resulted in the crash as it led to a re evaluation of the cost of the agencies by the investors.
• Managing Financial Crises In this line, the financial institutions would have distributed the risk to all the stakeholders. The involvement of many players in the management systems of banks makes it out rightly difficult to blame banks for […]
• Global Financial Crisis: Corruption and Transparency Due to the large number of the emerging markets, the global financial regulators lacked a proper mechanism to handle the situation.
• Role of International Financial Institutions in 2008 Financial Crisis Even more disappointing is the fact that the financial regulatory standards that were in place were unable to anticipate and therefore avert the ramifications of the financial crisis before it happened as should have been […]
• Effects of Hedge Funds on the Global Financial Crisis The article titled “Do not Blame Hedge Funds for Financial Crisis, Study Says,” in 19th September 2012 issue of the The Wall Street Journal, attempts to remove the hedge fund from blame in the global […]
• Impact of the Global Financial Crisis on the World The recent global financial crisis happened between the years 2007 and 2008 that was a serious threat to the financial markets in the United States and the rest of the world.
• The 2008 Financial Crisis In September 2008, the two giant mortgage companies faced the danger of bankruptcy as they had guaranteed close to half of the total mortgages in the US.
• US Financial Crisis Hit and Its Economy Effect He is an economist and runs a column in the Atlantic magazine on financial matters in the U.S. The article is by Lee Don, a columnist, and journalist in the U.
• Austerity Measures after of the World Financial Crisis That is why it becomes obvious that there is a great need in some austerity measures whose main aim is to overcome the results of the world financial crisis and guarantee the stability of the […]
• Financial Crisis in Greece: Origin and Aspects This essay seeks to establish the nature and origin of the crisis, Greece’s advantages and disadvantages in the Eurozone, and Greece’s fiscal policy.
• Financial Crisis of 2007-2008: Laws and Policies Nevertheless, one should not assume that the absence of legal safeguards is the only factor that led to this crisis since it is necessary to consider the development of the economy and lack of internal […]
• 2008 Financial Crisis in Dubai In order to address the collapse in the real estate market observed in Dubai in 2008, the Emirate’s authorities focused on elaborating stricter regulations on developers of the housing projects and on the buyers. 26 […]
• British Airways Performance and Global Financial Crisis This paper analyzes the performance of British Airways’ leadership in the wake of the global financial crisis. BA CityFlyer, which is a subsidiary of the British Airways, dominates operations in the London municipality airport.
• Financial Crisis of 2008 and Consumer Behavior Although the main cause of the global financial crisis that began in 2007 was the bursting of the housing bubble, economists largely agree that the ensuing recession was the outcome of a combination of several […]
• West Midlands Designers and Architects Ltd: Financial Crisis The second option, which is by merit, will favor the company’s future and also acceptable by a number of the current employees.
• American Financial Crisis and Its Prevention The interviewee brings about the idea of bureaucracy and political aspects that contributed to the problem, highlighting the corruption and ineffectiveness in the government when bailing out the institutions.
• 1997 Asian Financial Crisis and Its Consequences Beja explores the impacts the crisis had on these countries and the outcomes that occurred years after the end of the crisis.
• Financial Crisis and Its Impact on UAE Construction The determination of this research is to evaluate the enactment of construction corporations in the United Arab Emirates for the period of the pre and post worldwide eras of financial disaster, which is from 2006 […]
• The Shadow Banking System: Financial Crisis Source The so-called shadow banking system, comprised of numerous institutions operating outside the regulated banking system, has undoubtedly contributed greatly to the emergence of the latest global financial crisis.
• Reasons and Consistency of the Financial Crisis 2007-2008 The financial crisis that occurred in 2007-2008 is frequently defined as one of the major financial events at the beginning of the 2000s.
• Global Financial Crisis and Regulatory Responses In the aftermath of the crisis, the government through the Federal Reserve embarked on a mission to restore these financial institutions to their original position.
• Financial Crisis in Ferguson’s “The Ascent of Money” By Ferguson, the main purpose of the historian is to relieve humanity from the financial illusions on the examples of the past.
• Financial Crisis and Great Recession Causality The financial crisis is typically viewed as a primary factor behind the development of the Great Recession. Instead, the financial crisis of 2008 can be deemed a prerequisite of the Great Recession as well as […]
• Australian Banks in the Global Financial Crisis To understand how Australian banks managed the GFC, it is essential to pay attention to the very structure of its banking.
• The Global Financial Crisis and Its Effect The latest global financial crisis managed to restart a debate on the value of both the stakeholder as well as shareholder theories. This led to the managers being more attentive to the prices of the […]
• The Global Financial Crisis and Its Impacts In addition, a case of a company is studied to evaluate the impact of GFC on a particular firm, and consider the capability of the firm to survive the crisis.
• British and Dutch Banks After 2008 Financial Crisis Many countries utilised the opportunity of the crisis to work on improving corporate governance and leadership to avoid similar crises in the future.
• Rotana Company’s Financial Crisis and Culture This statement can be seen as being true to the values of the company and how it addressed the issues caused by the 2008 financial crisis.
• General Electric and the Financial Crisis of 2008 Although GE’s success is often attributed to the significant amount of financial assets that the company has, it owes its survival through the 2008 crisis to the careful and well-thought-out plan of investing in the […]
• Banking Instability During the Global Financial Crisis Though the combination of aspects that resulted in the banking instability in the course of the global financial crisis had never been witnessed previously, the shift from extreme risk-taking to fiscal chaos was a common […]
• Financial Crisis of 2008 Economics specialists have argued that the global financial crisis of 2008 was caused by a combination of factors, including the abundance of cheap credits in the macroeconomic environment as well as counterproductive decision-making in governments […]
• Economic Shocks and Financial Crisis in Kuwait At the year 2008, the intensity of the crisis was at the peak, causing oil prices which led to a decrease in production and drop in GDP of Kuwait.
• Apple and Hewlett Packard During 2008 Financial Crisis Though the general demand has not reached the level it was before the crisis, many companies have taken advantage of the rising demand and have made tremendous sales. However, the company has increased its spending […]
• Global Financial Crisis and Its Ethical Causes The reason for this is simple the analysis of what had brought about this particular financial crisis and what accounted for the subtleties of its extrication points out to an undeniable fact that it was […]
• Nucor Corporation After Financial Crisis in the US However, in 2009, the company made the largest loss in its history of $299 million; the loss was the first annual loss since 1966. The depreciated purchasing power parity of the people in 2009 is […]
• Corporate Governance During the Global Financial Crisis The chairman of the board of directors is the leader of both the board and the company whereas the CEO is the person who oversees the day-to-day activities of the company.
• Corporate Government During the World Financial Crisis The chairman is the leader of the board of directors while the CEO is the person who oversees the day to day activities of the company; each of them performs a distinct and critical role […]
• 2008 Global Financial Crisis: Crises of Capitalism? Although I had an idea of the possible catalysts of the 2008 global financial meltdown before watching the video, Harvey presented a clear report of the events that occurred before the crisis and put them […]
• Global Financial Crisis and Real Estate Issues The central point of the argument is that the real estate market in the US and the policy called “trailer park lending” was the main reason for the worldwide economic crisis.
• Lehman Brothers and the 2008 Financial Crisis As a result, when the management of the bank expected assistance from other firms and the Bank of America, it did not receive the help it needed.
• Financial Crisis Management in the United Nations A crisis can be defined as the perception of an abnormal situation that is beyond the capability of the business and its scope to deal with.
• The Financial Crisis on the UK Economy Analyze the causes and the impact of the current financial crisis on the UK economy. Due to the above-trend growth in 2006 and 2007, activity needs to be slow.
• The Investment Industry in Kuwait Today (During Financial Crisis) One of the confessions was that the investment authority of Kuwait otherwise known as would not be in a position to provide financial support that would assist in the restoration of confidence that was already […]
• The Global Financial Crisis and Its Impact on Australia The collapse of key institutions in the US and other economies in the world has people scurrying back to the drawing board in a bid to rethink economic policy and regulation strategies.
• Prospects for Chindia After 2008 Global Financial Crisis According to the Australian business press, the recent economic growth achieved was a result of the relationship between itself and the two countries i.e. However, China experienced a hitch on its international markets especially in […]
• Qantas’ Actions in the Financial Crisis Context The actions taken by Qantas in reducing their costs can be said to be influenced by the global financial crisis, where the decline of the number of passengers in September 2009 was 0.
• Global Financial Crisis Impact on Multi-Nationals The credit crisis was linked to the sub-prime mortgage business. So as to encourage lending, the interest rates were also lowered credibly.
• Manifestations of the Financial Crisis in Greece The bank which is also affected by the crisis will also exaggerate the cost of this operation and this leads to a loss on my side.
• South Africa’s Response to Global Financial Crisis Desire to the achieve objective that duly fulfils the needs of an individual while being disadvantageous to the majority of individuals led to the crisis.
• Financial Crisis of 2007-2008 in ‘The Big Short’ Movie Michael predicted that it would devaluate mortgage bonds and, therefore, decided to short the housing market, that is, to bet on the market crash.
• Causes and Solutions of the 2008 Financial Crisis The current essay describes the causes of the Financial Crisis of 2008 and the solutions suggested by the Keynesian school of thought.
• How Quantitative Models Contribute to the Financial Crisis The motivation behind this study lies in the desire to understand why and how the economies of many countries around the world, especially in the Middle East, have been shaken to the core by the […]
• How Money Market Mutual Funds Contributed to the 2008 Financial Crisis While how the prices of shares fell below the set $1 per share was a complex process, it became one of the greatest systemic risks posed by the MMMF to the investors and the economy […]
• Challenges Facing College Sports After Financial Crisis When the housing bubble caused financial depression in the national economy, colleges and universities were some of the most affected institutions, especially because the state and federal legislatures were forced to cut funding, the major […]
• The 2007 Financial Crisis: Development of the Prices of Shares, Corporate Bonds and Loans The crippling of the financial system in the US and the UK in the period beginning late 2007 was a product of crippling loans.
• The Euro Financial Crisis Causes and Outcomes The involvement of the central banks of is an attempt to demonstrate that all the central bankers are collaborating. The Euro crisis has exarcebated the currency swap process as it is now more expensive to […]
• Financial Crisis in Greece It is doubtless that the value of money is essential in determining a number of factors like the stability of the economy and inflation.
• 2008 Global Financial Crisis in Andrew Sorkin’s “Too Big to Fail” The book Too Big to Fail: The Inside Story of How Wall Street and Washington Fought to Save the Financial System from Crisis and Themselves, written by Andrew Ross Sorkin, explores the events and consequences […]
• Corporate Social Capital During Financial Crisis The credit crisis related to the mortgage problem in 2008 has been one of the massive financial issues of the world since the times of the Great Depression.
• 2008 Financial Crisis from a Neoliberal Perspective While such a position seems reasonable, the overall adherence of the financial system, including accounting and auditing, contributed to the crisis due to the unbearable level of loans and fictitious assets dominating the business.
• The 2008 Financial Crisis and Housing Policies Under the State Department of Housing and Urban Development, the government introduced the Section 8 Voucher. The function of this voucher was to meet the gap between what the renters would get and the actual […]
• What Was the Biggest Financial Crisis?
• Did Financial Crisis Alter the Level of Competition in the EMU Banks?
• What Is the Effect of Financial Crisis?
• What Are the Three Stages of Financial Crisis?
• Did Firms Manage Earnings More Aggressively during the Financial Crisis?
• What Causes a Financial Crisis?
• Did the Recent Housing Boom Signal the Global Financial Crisis?
• How Can We Solve Financial Crisis?
• What Is Another Word for Financial Crisis?
• What Is the First Stage in Financial Crisis?
• Can the Government Take Money from Your Bank Account in a Financial Crisis?
• What Was the Worst Financial Crisis in History?
• What Caused the Global Financial Crisis?
• Did the Financial Crisis Affect the Market Valuation of Large Systemic U.S. Banks?
• What Is the Impact of the Global Financial Crisis?
• What Happened in the 2008 Financial Crisis?
• How Did the Financial Crisis Started?
• Did Family Firms Perform Better During the Financial Crisis?
• Did Investors Herd During the Financial Crisis?
• Did Relational Capital Matter during the Financial Crisis?
• Did the Asian Financial Crisis Scare Foreign Investors Out of Japan?
• Did the Financial Crisis in Japan Affect Household Welfare Seriously?
• Did the Global Financial Crisis Alter the Oil–Gasoline Price Relationship?
• Was the 2008 Financial Crisis Caused by Lack of Ethics?
• Was the Financial Crisis Caused by Bankers or Government?
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The Global Financial Crisis in the USA and The Failure of Central Banks

Masters Thesis

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Finance Dissertation Topics & Accounting Dissertation Topics

Choosing a great topic for your finance or accounting dissertation may seem incredibly challenging, especially since the subject can cover such a wide range of different areas. It is important to find a topic that you are passionate about and find genuinely interesting, but is also relevant, manageable, and potentially helpful with regards to your future career path. Plus, you want a topic that will impress your dissertation advisor and fall within their area of expertise. There are clearly a lot of things to consider, so to give you some inspiration and help get you started, we have come up with several lists of potential topics in all sorts of areas within the subject of finance and accounting.

• Covid-19 and its Impact on Financial Services Dissertation Topics
• Cryptocurrency Dissertation Topics

Audit in Financial Services Dissertation Topics

• Risk Management – Capital, Liquidity, ALM, Models Dissertation Topics

Internet Banking & Digital Journey for Banks Dissertation Topics

Ethics in accounting dissertation topics, microfinance dissertation topics, retail and commercial banking dissertation topics, financing in emerging market dissertation topics, alternative investment dissertation topics.

• Corporate Social Responsibility (CSR) of Banking Industry Dissertation Topics

Accounting Standards Dissertation Topics

Education, perception and gender bias in accounting dissertation topics, covid – 19 and its impact on financial services dissertation topics.

Covid 19 has been a global pandemic and it has been seen to have grave impact on the overall world economy. The global and far reached impacts of the Covid 19 pandemic have made it an interesting topic of research. Some of the related topics for accounting and finance domain are:

• Does Covid-19 open an opportunity for digitization?
• Impact of covid on ecommerce industry.
• Covid and the rise in NPAs in Banks.
• The consequences of the Corona pandemic for future financial statements: A case Study.
• Are the companies becoming conservative in their forecasts after Covid 19?
• Digitalization in auditing and modified audit opinions in the post covid world.
• Do companies need to account for a better insurance policy after Covid 19?
• Provisioning and impairment by Banks and financial institutions. What impacts will it have on the balance sheet?

Cryptocurrencies Dissertation Topics

Recently in last couple of years, cryptocurrencies have gathered the attention of all investors and they have emerged as a lucrative asset class for investment. However, it is equally important that the topic is well read and well researched. The information on crypto currency is very fragmented and there is little academic research available on the topic. Some of the dissertation titles proposed are:

• Does crypto market follow the technical analysis?
• How to measure the risk and returns in cryptofinance market.
• Are crypto market returns sustainable?
• Under the supremacy of Bitcoin and Ethereum, what is the investment potential of other alt coins?
• Are cryptocurrencies a good asset for swing trading?
• Using a derivative strategy, is it possible to make cryptocurrencies less volatile?
• Comparison on cryptocurrencies with other asset classes.
• Asset pricing for cryptocurrencies. Do the regular theories work in this case?
• What is the scope for derivative products in crypto currencies?
• Cryptocurrency: Are we ready to demonetize the world?
• Why banks oppose digital currency so fiercely?

Audits have always been an interesting topic for the regulators and the stakeholders. They are always seen as a cost centre for the companies but invariably end up strengthening the controls for them. Also there have been a lot of new trends and technologies emerging in the field. Some of the topics for audits and their contribution to financial services are:

• Audits and their contribution to corporate houses.
• The Effectiveness of Internal Audit and Internal Control Systems in UK financial system.
• Are the BASEL rules successful to enhance the liquidity and controls for the banks?
• Role of Automation and RPA in the audit industry.
• Can auditors play the role of risk managers within a Bank or they are just cost centers?
• Effect of Internal Audit on financial performance of companies.
• Role of Auditors in financial reporting. A case study of Enron and WorldCom.
• Effectiveness of audits in the financial system of UK.
• The effect of risk-based audit approach on the enterprise risk strategy of the financial institution.
• The changes brought to Auditor-client relationships in the UK due to the Sarbanes-Oxley Act.
• Audit Committees and agency problems with the UK Corporate Governance Code.

Risk Management – Capital, Liquidity, ALM, Models Dissertation Topics

The Federal Reserve System has established a banking risk framework that consists of six risk factors: credit, market, operational, liquidity, legal, and reputation risks. All of the above-mentioned factors are an integral part of any financial institution’s risk management policies and the compliance mechanism which ultimately has a significant impact of the cusses of the institution.

Finance dissertation topics in risk management could include:

• Liquidity risk management in the UK banking industry in the wake of the financial crisis.
• An evaluation and analysis of the risk/return profile of selected UK banks.
• Operational risk & business continuity plans in the UK Banking Industry.
• Risk management aspects of international banking activities in Europe: nature, scope, and analysis.
• Foreign exchange risk management within financial institutions in the UK.
• The liability management of two local leading banks in the UK in the past five years: A comparative analysis.
• Advantages of using options for the management of risk in the banking industry.
• A stress testing approach towards evaluating credit risk of a financial institution.
• Case study on growth, liquidity, turnover, risk and return of a financial institution: Analysis and discussion.
• The potential impact of the loss of passporting after Brexit on the UK financial services industry.
• The potential impact of Brexit on the ability of UK banks to attract the most talented individuals.
• The impact of international risk exposures on the financial performance of UK banks.
• The effectiveness of the UK’s stress testing regime in preventing future financial crises in banking.
• Study of credit risk management in Banks.
• Role of Liquidity Risk Management and the best practices being followed in Banks.
• Do Capital management rules for financial institutions is a risk management strategy or a loss of opportunity?
• A study of risk management in the banking industry in the UK. What are the best practices for the other countries to follow?
• Analysis of Risk Management in Banking Activity – An Enterprise Risk Framework based approach.
• Asset liability management in commercial banking: Theoretical and practical aspects.
• Is operational risk management the next big thing in the risk management industry?
• IFRS9 related provisions provide cushions to financial service industry.
• Importance of Model risk management in financial industry.
• Importance and relevance of latest regulatory guidelines – FRTB and BCBS 239.
• Are banks ready to replace LIBOR?

Internet banking offers personal and business clients the ease of managing banking and financial enquires from the comfort of their home or office. Online banking has become a lifeline for those who cannot leave the house, live in rural areas where access to banks can be limited, or simply have no time to visit their nearest bank. Moreover, the evidence suggests that internet banking services have a significant impact on customer satisfaction, enhance demonetisation of the economy and contribute towards improved flow of funds within the economy.

Your dissertation could be based on the following dissertation topics:

• Future developments in Internet banking in the UK.
• Internet banking services across the UK vary widely: A comparative study.
• Security in electronic banking transactions.
• The marketing of internet banking services in the UK banking industry: Analysis, discussion, and recommendations.
• The economic and financial implications of online banking.
• Digital innovation in the banking industry in Europe and the UK: A comparative study.
• Use of banking services and internet banking: Is there a relationship?
• Digitalization and the related changes in the Banking Industry.
• Is digitalization disruptive in the banking sector?
• Impact of digitalization in the transaction banking.
• Will Fintechs survive in the longer term?
• Financial Inclusion, Digital Payments and Their Impact on Income and Tax Revenue across the globe.
• Best security practices for online banking and online transactions.
• How internet and mobile banking have changed the business landscape?
• Internet banking usage: Youth versus elderly population comparison.

Accounting as a profession has always been seen as a very skill based and respectable. Owing to the nature of the profession, it is highly based on trust and ethical code of conduct which ultimately leads to better financial reporting and decision making by the management. The increasing number of scandals in recent times has raised several questions regarding ethical practices in accounting. The issue not only requires further studies to understand the existing practices and the scope of improvement, but also a culture of adapting the ethical practices within the organisations serving citizens of the nations. Ethics is quite an important subject in modern society and would be a good idea for your finance dissertation topic. Some illustrative topics for your dissertation could be:

• Role of Managers’ discretion in financial reporting.
• Ethics or profits – Dilemma for accountants.
• An Exploration of the State of Ethics in UK Accounting Education.
• The Perception of the Ethics of Tax Evasion in the United Kingdom.
• Whistleblowing vs profits in the company. What is the right approach?
• Reducing tax liabilities by using accounting practices. How ethical is that?
• Tax evasion and transfer pricing. Effective ways to teach ethics to university accounting students.
• Ethical guidance: is adequate support available?
• Audit risk: rhetoric of rationality?
• Banking on Ethics: An Insight into ethics and the banking profession.
• The effect of auditor’s liability on the accounting profession and organisations in UK.
• Does accounting for the brand matter?
• Engaging contradiction: An expansion of Corporate Social Responsibility discourse.
• Accounting, ethics, and the links missing between them: a case study in the UK.
• Sustainability reporting and the public sector in the UK.
• Is independence of an auditor just a perception or a reality?
• The teaching of ethics to accounting students: An unnecessary and difficult goal?
• Accounting ethics, education, and professional legitimacy in the banking industry.
• To what extent are accounting rules and regulations sufficient to ensure ethical behaviour by accountants?
• Can accounting control systems ever prevent all cases of fraud and unethical behaviour in businesses?
• How can auditors maintain their independence whilst also working with managers to ensure effective auditing processes and controls?

Microfinance attracts significant attention from individuals, small to large international development organizations and non-governmental organisations. Efforts have been made to increase growth in microfinance throughout the banking and corporate sector. These topics investigate the ways in which microfinance institutions have revolutionised the financial sector in the United Kingdom.

• Assessing the rapid development of international micro-finance.
• The growth of microfinance in the UK banking industry.
• Assessing the demand for collective investment schemes in the UK; A strategic analysis, discussion, and recommendations.
• What are the constraints to the development of a fully-fledged microfinance market in the UK?
• A study on the impact of microfinance in developing economies.
• How important is access to credit and other financial services to growth and investment?
• The impact of micro-finance on poverty alleviation and economic growth.
• How has the partnership between the public and private sectors impacted micro-finance?
• Access to financial services for the poor, including through microfinance and microcredit: An empirical study in the Eurozone.
• Assessing the impact of micro-finance on SMEs.
• Determinant factors that lead to the success of microfinance institutions.
• Is Microfinance empowering the women across the globe?

Although their relative importance is on the decline, retail and commercial banks are still the most important financial intermediaries in the banking industry. Both the retail and commercial banks have played a crucial role in reaching rural and semi-urban populations and provided much needed financial services to the mass population. These topics seek to understand how the banking sector has changed over time to accommodate the dynamic financial demands and further highlight the impacts of banking on various economic segments.

• Forces for change in the European Retail Banking Sector: Analysis and implications for local commercial banks.
• Recent developments in the asset-liability management framework in the banking industry: A comparative study.
• An investigation into how Information Technology has transformed banking services in the UK.
• What is the relationship between equity, price, and performance in the UK banking industry?
• Financial services to the rural population: a study on the challenges of retail banking in the UK.
• The evolution of retail banking: Changes and preferences occasioned by consumer demands.
• How have banks impacted the growth of SMEs in the UK?
• Assessing the impact of financial regulation on modern banking systems.
• How have commercial banks adapted to the changing demands of corporate entities?
• A study on inventory management for mobile banking: The case of developing countries.

With stronger fundamentals and better scope for investments, the financial prospects in emerging markets such as Russia, China, India, and Brazil have increased significantly in recent times. All major organisations across the world are trying to develop their footprints in these markets to get a share of the emerging pie and expand their scope of business. These topics evaluate the emerging market environment with respect to the financial investment opportunities it brings forth.

• A study of UK investors’ attitudes and perceptions towards investing in emerging markets.
• The evolution and implementation of investment banking in emerging markets.
• What factors contribute to financial stability in the banking system in emerging countries?
• FDI strategies in Europe and Asia: A comparative study.
• What is the relationship between population and economic growth: The case of China.
• Assessing the impact of trade blocks on financial institutions: The case of BRIC countries.
• What is the impact of foreign direct investment on emerging economies?
• The challenges of financial institutions in emerging economies.

Volatility in the financial markets is prompting more and more investors to buy up alternative investments such as mutual funds, hedge funds, private equity and SEIS/EIS funds. Recent studies have confirmed the fact that increasing numbers of investors are opting to buy into the sector due to its huge return and comparatively less volatile nature of market. However, it is equally important to understand that alternative investment options typically do not correlate to the stock market, and thus are more complex than traditional investment vehicles.

• Hedge Funds: The investing alternative for institutional investors and the advent on the retail market.
• Private equity market and the various investors in the UK.
• The growth of hedge funds: The reasons for a sustained progress and its effects on the UK investments market.
• An evaluation of the role and performance of UK capital markets as an alternative source to banking finance.
• The growing popularity of index and mutual funds.
• The power of regulatory intervention and enforcement in alternative investment.
• Hedge funds: Return enhancers, risk diversifiers or both?
• Private equity investment: Future scope in the European Union.
• Investment diversification in alternative investment vehicles: Experimental evidence.

Corporate Social Responsibility (CSR) in Banking Industry Dissertation Topics

The banking industry throws up an interesting conundrum. Unlike the manufacturing industries, it does not cause detrimental effects such as pollution, however, the financial sector impacts almost everyone in the modern world in terms of financial stability. Given that banks are responsible for managing money of depositors, this has wide socio-economic implications for the society through the way they conduct their financial products and services. Therefore, corporate social responsibility becomes an integral part of corporate management strategy in banking industry. Although the key objective of a banking sector is to earn maximum profits for shareholders or owners, it is expected that they conduct their operations in a manner to fulfil their social obligations towards society.

Topics of Corporate Social Responsibility of the banking industry that may be used for a finance dissertation are:

• The importance and significance of Corporate Social Responsibility for investment banks in the UK.
• Recent developments in CSR activities by the banking industry participants in the UK.
• A case study of socially responsible banking.
• Bank regimes and practices in CSR.
• CSR is now less a choice and more of a necessity for businesses to flourish.
• CSR has become a commercial imperative, a differentiator for the city and analysts to judge the progressive nature of an organisation.
• Guidance and reporting on a wide range of CSR issues in banking industry.
• CSR in banking industry during subprime mortgage crisis: What went wrong?

With the growing importance of maintaining a standard approach in accounting practices across EU nations and other countries of the world, the emerging accounting standards have raised a number of questions on existing practices across various organisations. It is interesting to see how these emerging standards get adopted by various organisations across the world. Several ideas for your finance dissertation topics could be:

• Does the current set of accounting standards live up to its objectives?
• International accounting standards: What is convergence and whether there is any likelihood of convergence between the EU and the US?
• An investigation into outsourcing accounting overseas from the US perspective.
• An investigation into outsourcing accounting overseas from the UK perspective.
• The balanced scorecard: “The Holy Grail” for legal firms?
• Reporting on sustainability: what is the standard?
• The increasing demand for disclosure of social and environmental information: Implications for big organisations.
• To what extent does social reporting represent a genuine attempt to promote sustainability, versus a cynical marketing ploy?
• How have amendments to the Companies Act and Corporate Governance Code affected the role and responsibilities of UK accountants over the past decade?
• An analysis of the potential impacts of Brexit on the accounting standards and regime in the UK.
• In the wake of the financial crisis, should fair value remain the primary basis of measurement in global accounting standards?

The awareness of accounting practices is an important issue being dealt with in organisations around the world. The perception around the accounting practices and various biases needs to be investigated and controlled to make the practices more dynamic and responsible for society in general. Accounting topics for your finance dissertation are suggested below:

To what extent does contemporary accounting education provide new accountants with the skills and attitudes they require?

• Accounting education: A comparison of EU and UK organisations.
• Accounting education: A comparison of Asian and European organisations.
• Accounting education: Does ethics get enough attention?
• Investigating the effects of gender on women’s experiences with the accounting profession in the UK.
• Accounting as art: Representation, truth, and annual reports.
• Perceptions of risk in the audit industry in the UK.
• Does securing assets or causing insecurities among employees impact internal control?
• Do internal controls have an impact on employees? A case study within the banking industry.
• How can diversity management be used to improve the performance of accounting firms?
• To what extent does gender bias hinder the recruitment, development, and motivation of female accountants?
• How can problem-based learning be used to improve the quality of contemporary accounting education?

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Financial Crisis

• The Financial Crisis
• Financial Data Tools

Articles and Papers

Monetary Policy and the Crisis

Historical perspectives on the crisis, what caused the crisis, the role of subprime mortgages.

• Possible Solutions

Financial Crisis Articles & Papers: All Topics

The articles and papers listed here cover aspects of the financial crisis and represent a range of opinions and analysis. The Federal Reserve Bank of St. Louis does not endorse the views presented in these articles or papers.

The Crisis: An Overview

The "Surprising" Origin and Nature of Financial Crises: A Macroeconomic Policy Proposal by Ricardo J. Caballero and Pablo Kurlat in Federal Reserve Bank of Kansas City Symposium , August 2009

The authors discuss three key ingredients for severe finanical crises in developed financial markets. Then they offer a policy proposal of tradable insurance credits to address a systemic crisis.

Bank Lending During the Financial Crisis of 2008 by Victoria Ivashina and David Scharfstein in SSRN , December 2008

This paper documents that new loans to large borrowers fell by 37% during the peak period of the financial crisis (September-November 2008) relative to the prior three-month period and by 68% relative to the peak of the credit boom (Mar-May 2007). New lending for real investment (such as capital expenditures) fell to the same extent as new lendi...  

The Commercial Paper Market, the Fed, and the 2007-2009 Financial Crisis by Richard G. Anderson and Charles S. Gascon in Federal Reserve Bank of St. Louis Review , November 2009

Since its inception in the early nineteenth century, the U.S. commercial paper market has grown to become a key source of short-term funding for major businesses, with issuance averaging over $100 billion per day. In the fall of 2008, the commercial paper market achieved national prominence when increasing market stress caused some to fear that,...  

The Credit Crunch of 2007-2008: A Discussion of the Background, Market Reactions, and Policy Responses by Paul Mizen in Federal Reserve Bank of St. Louis Review , September 2008

This paper discusses the events surrounding the 2007-08 credit crunch. It highlights the period of exceptional macrostability, the global savings glut, and financial innovation in mortgage-backed securities as the precursors to the crisis. The credit crunch itself occurred when house prices fell and subprime mortgage defaults increased. These event...  

The Crisis: Basic Mechanisms, and Appropriate Policies by Olivier J. Blanchard in IMF Working Ppaer , April 2009

The purpose of this lecture is to look beyond the complex events that characterize the global financial and economic crisis, identify the basic mechanisms, and infer the policies needed to resolve the current crisis, as well as the policies needed to reduce the probability of similar events in the future.

Deciphering the Liquidity and Credit Crunch 2007-08 by Markus K. Brunnermeier in Journal of Economic Perspectives , November 2008

This paper summarizes and explains the main events of the liquidity and credit crunch in 2007-08. Starting with the trends leading up to the crisis, Brunnermeier explains how these events unfolded and how four different amplification mechanisms magnified losses in the mortgage market into large dislocations and turmoil in financial markets.

Economic Recovery and Balance Sheet Normalization by Narayana R. Kocherlakota in Federal Reserve Bank of Minneapolis , April 2010

Speech before the Minnesota Chamber of Commerce

The Economics of Bank Restructuring: Understanding the Options by Augustin Landier and Kenichi Ueda in IMF Staff Position Note , June 2009

Based on a simple framework, this note clarifies the economics behind bank restructuring and evaluates various restructuring options for systemically important banks. The note assumes that the government aims to reduce the probability of a bank’s default and keep the burden on taxpayers at a minimum. The note also acknowledges that the design of...  

Factors Affecting Efforts to Limit Payments to AIG Counterparties by Thomas C. Baxter Jr. in Federal Reserve Bank of New York , February 2010

Testimony before the Committee on Government Oversight and Reform, U.S. House of Representatives

Facts and Myths about the Financial Crisis of 2008 by V. V. Chari, Lawrence Christiano and Patrick J. Kehoe in Federal Reserve Bank of Minneapolis Working Paper , October 2008

This paper examines three claims about the way the financial crisis is affecting the economy as a whole and argues that all three claims are myths. It also presents three underappreciated facts about how the financial system intermediates funds between households and corporate businesses.

The Federal Reserve Bank of New York's Involvement with AIG by Thomas C. Baxter and Sarah J. Dahlgren in Federal Reserve Bank of New York , May 2010

Joint written testimony of Thomas C. Baxter and Sarah Dahlgren before the Congressional Oversight Panel, Washington, D.C.

The Federal Reserve's Balance Sheet by Ben S. Bernanke in Speech , April 2009

The Federal Reserve has taken a number of aggressive and creative policy actions, many of which are reflected in the size and composition of the Fed's balance sheet. Bernanke provides a brief guided tour of the Federal Reserve's balance sheet as an instructive way to discuss the Fed's policy strategy and some related issues.

The Financial Crisis: Toward an Explanation and Policy Response by Aaron Steelman and John A.Weinberg in Federal Reserve Bank of Richmond Annual Report 2008 , April 2009

The essay is divided into the four sections. First, what has happened in the financial markets. Second, why those events took place. Third, possible market imperfections that could produce turmoil in the financial markets and an assessment of the role they have played in this case. And, fourth, how policymakers should respond in these difficult and...  

Financial Turmoil and the Economy by Frederick Furlong and Simon Kwan in Federal Reserve Bank of San Francisco Annual Report 2008 , May 2009

An overview of the financial crisis.

The Global Recession by Craig P. Aubuchon and David C. Wheelock in Federal Reserve Bank of St. Louis Economic Synopses , May 2009

Presents information on the percentage of economies around the world that are in recession, and offers comparisons with previous economic declines.

The Global Roots of the Current Financial Crisis and its Implications for Regulations by Anil K. Kashyap, Raghuram Rajan and Jeremy Stein in 5th ECB Central Banking Conference , November 2008

Where did the current financial crisis come from? Who or what is to blame? How will it be resolved? How do we undertake reforms for the future? These are the questions this paper will seek to answer. The analysis will have three parts. The first is a rough and ready sketch of the global roots of this crisis. Second, the authors focus in a more d...  

Interest on Excess Reserves as a Monetary Policy Instrument: The Experience of Foreign Central Banks by David Bowman, Etienne Gagnon, and Mike Leahy in Board of Governors International Finance Discussion Papers , March 2010

This paper reviews the experience of eight major foreign central banks with policy interest rates comparable to the interest rate on excess reserves paid by the Federal Reserve. We pursue two main lines of inquiry: 1) To what extent have these policy interest rates been lower bounds for short-term market rates, and 2) to what extent has tighteni...  

Lending Standards in Mortgage Markets by Carlos Garriga, in Federal Reserve Bank of St. Louis Economic Synopses , May 2009

Examines the mortgage denial rates by loan type as an indicator of loose lending standards.

Lessons Learned from the Financial Crisis by William C. Dudley in Speech , June 2009

In assessing the lessons of the past two years, Dudley focuses on five broad themes that are interrelated: Interconnectedness of the financial system; System dynamics—How does the system respond to shocks?; Incentives—Can we improve outcomes by changing incentives?; Transparency; How should central banks respond to asset bubbles?

Liquidity Risk, Credit Risk, and the Federal Reserve’s Responses to the Crisis by Asani Sarkar in Federal Reserve Bank of New York Staff Reports , September 2009

In responding to the severity and broad scope of the financial crisis that began in 2007, the Federal Reserve has made aggressive use of both traditional monetary policy instruments and innovative tools in an effort to provide liquidity. In this paper, the author examines the Fed’s actions in light of the underlying financial amplification mechanis...  

Looking Behind the Aggregates: A Reply to "Facts and Myths about the Financial Crisis of 2008" by Ethan Cohen-Cole, Burcu Duygan-Bump, Jose Fillat and Judit Montoriol-Garriga in Federal Reserve Bank of Boston Working Paper , November 2008

In reply to the FRB of Minneapolis article by Chari et al. (2008) the authors of this paper argue that to evaluate the four common claims about the impact of financial sector phenomena on the economy, (which the FRB Boston authors conclude are all myths), one needs to look at the underlying composition of financial aggregates. This article find ...  

A Minsky Meltdown: Lessons for Central Bankers by Janet Yellen in FRBSF Economic Letter , May 2009

In this essay, Federal Reserve Bank of San Francisco President Yellen reconsiders the notion of a 'Minsky Meltdown' and suggests that it is time to reconsider the notion that a central bank can not intervene in bubbles. Yellen also outlines her thoughts on supervisory and regulatory policies going forward, and the importance of varying capital req...  

Overview: Global Financial Crisis Spurs Unprecedented Policy Actions by Ingo Fender and Jacob Gyntelberg in BIS Quarterly Review , December 2008

A four-stage overview of the crisis. Market developments over the period under review went through four more or less distinct stages. Stage one, which led into the Lehman bankruptcy in mid-September, was marked by the takeover of two major US housing finance agencies by the authorities in the United States. Stage two encompassed the immediate impl...  

The Panic of 2007 by Gary B. Gorton in Federal Reserve Bank of Kansas City's Symposium: Maintaining Stability in a Changing Financial System , October 2008

How did problems with subprime mortgages result in a systemic crisis, a panic? The ongoing Panic of 2007 is due to a loss of information about the location and size of risks of loss due to default on a number of interlinked securities, special purpose vehicles, and derivatives, all related to subprime mortgages. Subprime mortgages are a financial...  

Preparing for a Smooth (Eventual) Exit by Brian P. Sack in Federal Reseve Bank of New York , March 2010

Remarks at the National Association for Business Economics Policy Conference, Arlington, Virginia

Putting the Financial Crisis and Lending Activity in a Broader Context by Kevin L. Kliesen in Federal Reserve Bank of St. Louis Economic Synopses , February 2009

This paper discusses how banks typically tighten credit standards and/or loan terms as the economy weakens and nonperforming loans increase. But an adverse shock from outside the financial sector can be just as important—such as a sharp increase in oil prices or a plunge in house prices.

The Response of the Federal Reserve to the Recent Banking and Financial Crisis by Randall S. Kroszner and William Melick in Chicago Booth School of Business Working Paper , December 2009

The authors present an account of the policy actions taken by the Fed, providing a narrative that brings together information that otherwise requires consulting a variety of sources. They also present a framework for thinking about the central bank policy response that gives the reader a means of organizing her own understanding of the response. A...  

The Role of Liquidity in Financial Crises by Franklin Allen and Elena Carletti in Federal Reserve Bank of Kansas City's Symposium: Maintaining Stability in a Changing Financial System , September 2008

The purpose of this paper is to use insights from the academic literature on crises to understand the role of liquidity in the current crisis. Allen and Carletti focus on four of the crucial features of the crisis that they argue are related to liquidity provision. The first is the fall of the prices of AAA-rated tranches of securitized products be...  

Speculative Bubbles and Financial Crisis by Pengfei Wang and Yi Wen in Federal Reserve Bank of St. Louis Working Paper , July 2009

Why are asset prices so much more volatile and so often detached from their fundamental values? Why does the bursting of financial bubbles depress the real economy? This paper addresses these questions by constructing an in?nite-horizon heterogeneous agent general equilibrium model with speculative bubbles. We characterize conditions under which st...  

The Supervisory Capital Assessment Program--One Year Later by Ben S. Bernanke in Speech , May 2010

At the Federal Reserve Bank of Chicago 46th Annual Conference on Bank Structure and Competition, Chicago, Illinois

The Taylor Rule and the Practice of Central Banking by Pier Francesco Asso, George A. Kahn, and Robert Leeson in Federal Reserve Bank of Kansas City Working Paper , February 2010

The Taylor rule has revolutionized the way many policymakers at central banks think about monetary policy. It has framed policy actions as a systematic response to incoming information about economic conditions, as opposed to a period-by-period optimization problem. It has emphasized the importance of adjusting policy rates more than one-for-one in...  

Toward an Effective Resolution Regime for Large Financial Institutions by Daniel K. Tarullo in Board of Governors Speech , March 2010

At the Symposium on Building the Financial System of the 21st Century, Armonk, New York

A Word on the Economy (with audio) by Julie L. Stackhouse in Federal Reserve Bank of St. Louis Educational Resources , September 2009

A powerpoint slideshow describing the subprime mortgage meltdown and how it relates to the overall financial crisis. Updated September 2009

“How Central Should the Central Bank Be?” A Comment by Christopher J. Neely in Federal Reserve Bank of St. Louis Economic Synopses , April 2010

The Reserve Bank presidents are fully accountable to our democratic institutions and the decentralized structure promotes healthy debate on monetary policy and regulatory issues.

Actions to Restore Financial Stability: A summary of recent Federal Reserve initiatives by Niel Willardson in The Region (Minneapolis Fed) , December 2008

This article provides a summary of recent Federal Reserve initiatives designed to reestablish normal credit channels and flows in the wake of the current financial crisis.

Activist Fiscal Policy to Stabilize Economic Activity by Alan J. Auerbach and William G. Gale in Federal Reserve Bank of Kansas City Symposium , August 2009

This paper examines the effects of discretionary fiscal policy in the current financial crisis.

Alt-A: The Forgotten Segment of the Mortgage Market by Rajdeep Sengupta in Federal Reserve Bank of St. Louis Review , January 2010

This study presents a brief overview of the Alt-A mortgage market with the goal of outlining broad trends in the different borrower and mortgage characteristics of Alt-A market originations between 2000 and 2006. The paper also documents the default patterns of Alt-A mortgages in terms of the various borrower and mortgage characteristics over th...  

Asset Bubbles and the Implications for Central Bank Policy by William C. Dudley in Federal Reserve Bank of New York , April 2010

Remarks at The Economic Club of New York, New York City

An Autopsy of the U.S. Financial System: Accident, Suicide, or Negligent Homicide? by Ross Levine in Brown University Working Paper , April 2010

In this postmortem, I find that the design, implementation, and maintenance of financial policies during the period from 1996 through 2006 were primary causes of the financial system’s demise. The evidence is inconsistent with the view that the collapse of the financial system was caused only by the popping of the housing bubble and the herding ...  

Bank Exposure to Commercial Real Estate by Yuliya Demyanyk and Kent Cherny in Federal Reserve Bank of Cleveland Economic Trends , August 2009

As rising home foreclosures and delinquencies continue to undermine a financial and economic recovery, an increasing amount of attention is being paid to another corner of the property market: commercial real estate. This article discusses bank exposure to the commercial real estate market.

Bankers Acceptances and Unconventional Monetary Policy: FAQs by Richard G. Anderson in Federal Reserve Bank of St. Louis Economic Synopses , March 2009

An expansion and FAQ following on an earlier article ("Bankers Acceptances: Yesterday's Instrument to Re-Start Today's Credit Markets?"). Describes possible implementation of a Banker's Acceptances program at the Federal Reserve.

Bankers’ Acceptances: Yesterday’s Instrument to Restart Today's Credit Markets? by Richard G. Anderson in Federal Reserve Bank of St. Louis Economic Synopses , January 2009

This note suggests considering an old—not new—financial market instrument: bankers’ acceptances. Bankers’ acceptances are one of the world’s older financial instruments, used as early as the twelfth century. Bankers’ acceptances have a long history in the Federal Reserve. Bankers’ acceptances are an old idea whose time may have returned—but with c...  

Beyond the Crisis: Reflections on the Challenges by Terrence J. Checki in Federal Reserve Bank of New York Speech , December 2009

A discussion of the challenges facing the financial system and reform.

A Black Swan in the Money Market by John B. Taylor and John C. Williams in Federal Reserve Bank of San Francisco Working Paper , April 2008

At the center of the financial market crisis of 2007-2008 was a jump in spreads between the overnight inter-bank lending rate and term London inter-bank offer rates (Libor). Because many private loans are linked to Libor rates, the sharp increase in these spreads raised the cost of borrowing and interfered with monetary policy. The widening spread...  

Central Bank Exit Policies by Donald L. Kohn in Speech, Board of Governors , September 2009

Kohn briefly underlines some aspects of the Federal Reserve's framework for exiting the unusual policies put in place to ameliorate the effects of the financial turmoil of the past two years

Central Bank Response to the 2007-08 Financial Market Turbulence: Experiences and Lessons Drawn by Alexandre Chailloux, Simon Gray, Ulrich Klüh, Seiichi Shimizu, and Peter Stella in IMF Working Paper , September 2008

The paper reviews the policy response of major central banks during the 2007–08 financial market turbulence and suggests that there is scope for convergence among central bank operational frameworks through the adoption of those elements that proved most instrumental in calming markets. These include (i) rapid liquidity provision to a broad rang...  

Central Banks and Financial Crises by Willem H. Buiter in Federal Reserve Bank of Kansas City's Symposium: Maintaining Stability in a Changing Financial System , August 2008

This paper draws lessons from the experience of the past year for the conduct of central banks in the pursuit of macroeconomic and financial stability. Macroeconomic stability is defined as either price stability or as price stability and sustainable output or employment growth. Financial stability refers to (1) the absence of asset price bubbles...  

Commercial Bank Lending Data during the Crisis: Handle with Care by Silvio Contessi and Hoda El-Ghazaly, in Federal Reserve Bank of St. Louis Economic Synopses , August 2009

A discussion of commercial bank lending data, inferences that can be drawn from the data, and some caveats about the data.

Confronting Too Big to Fail by Daniel K. Tarullo in Speech, Board of Governors , October 2009

Tarullo suggests that the reform process cannot be judged a success unless it substantially reduces systemic risk generally and, in particular, the too-big-to-fail problem. This speech addresses the task of forging an effective response to this problem

Conventional and Unconventional Monetary Policy by Vasco Cúrdia and Michael Woodford in Federal Reserve Bank of New York Staff Reports , November 2009

We extend a standard New Keynesian model both to incorporate heterogeneity in spending opportunities along with two sources of (potentially time-varying) credit spreads and to allow a role for the central bank’s balance sheet in determining equilibrium. We use the model to investigate the implications of imperfect financial intermediation for famil...  

Crisis and Responses: the Federal Reserve and the Financial Crisis of 2007-08 by Stephen G. Cecchetti in NBER Working Paper (requires subscription) , June 2008

Realizing that their traditional instruments were inadequate for responding to the crisis that began on 9 August 2007, Federal Reserve officials improvised. Beginning in mid-December 2007, they implemented a series of changes directed at ensuring that liquidity would be distributed to those institutions that needed it most. Conceptually, this me...  

The Curious Case of the U.S. Monetary Base by Richard G. Anderson in Federal Reserve Bank of St. Louis Regional Economist , July 2009

Recent increases in the monetary base are far greater than any previously in American history, surely a "noble experiment" in policymaking. Whether these policies can succeed—and without accelerating inflation—remains to be seen.

The Dependence of the Financial System on Central Bank and Government Support by Petra Gerlach in BIS Quarterly Review , March 2010

How much does the banking sector depend on public support? Utilisation of many support facilities has declined, due mainly to a fall in demand. Supply factors play a smaller, but not insignificant role, as governments and central banks have tightened the conditions on which certain support measures are available or have phased them out entirely. Ho...  

Do Central Bank Liquidity Facilities by Jens H. E. Christensen, Jose A. Lopez, and Glenn D. Rudebusch in Federal Reserve Bank of San Francisco Working Paper , June 2009

In response to the global financial crisis that started in August 2007, central banks provided extraordinary amounts of liquidity to the financial system. To investigate the effect of central bank liquidity facilities on term interbank lending rates, the authors estimate a six-factor arbitrage-free model of U.S. Treasury yields, financial corporate...  

The Economic Outlook and the Fed's Balance Sheet: The Issue of "How" versus "When" by William C. Dudley in Speech , July 2009

Dudley comments on the economy and the economic outlook—where we have been and where we may be going. He suggests that the balance of risks is still tilted toward weakness in growth and employment and not toward higher inflation. He also discusses the impact of the Federal Reserve’s lending facilities and purchase programs on the size of the Fed’s ...  

Economic Policy: Lessons from History by Ben S. Bernanke in Board of Governors Speech , April 2010

At the 43rd Annual Alexander Hamilton Awards Dinner, Center for the Study of the Presidency and Congress, Washington, D.C.

The Effect of the Term Auction Facility on the London Inter-Bank Offered Rate by James McAndrews, Asani Sarkar and Zhenyu Wang in Federal Reserve Bank of New York Staff Report , July 2008

This paper examines the effects of the Federal Reserve’s Term Auction Facility (TAF) on the London Inter-Bank Offered Rate (LIBOR). The particular question investigated is whether the announcements and operations of the TAF are associated with downward shifts of the LIBOR; such an association would provide one indication of the efficacy of the TAF ...  

Effective Practices in Crisis Resolution and the Case of Sweden by O. Emre Ergungor and Kent Cherny in Federal Reserve Bank of Cleveland Economic Commentary , February 2009

The current fi nancial crisis is a painful reminder that the developed world is not yet immune to these devastating shocks. But while we haven’t learned to prevent them, we have learned some lessons about what is necessary to contain them once they begin and to limit the damage that follows. As policymakers worldwide focus on resolving the current ...  

The Fed as Lender of Last Resort by James B. Bullard in Federal Reserve Bank of St. Louis Regional Economist , January 2009

Because our central bank has relied on the federal funds rate target for so long to guide the economy, many people think that the target rate is the only tool at the Fed’s disposal. As we are seeing in the current financial crisis, the Fed has other options. Most visible so far have been the lending programs that have been created in the past year,...  

The Fed's Response to the Credit Crunch by Craig P. Aubuchon in Federal Reserve Bank of St. Louis Econoimc Synopses , January 2009

The Federal Reserve Board has used Section 13(3) of the Federal Reserve Act to create several new lending facilities to address the ongoing strains in the credit market.

The Fed, Liquidity, and Credit Allocation by Daniel Thornton in Federal Reserve Bank of St. Louis Review , January 2009

The current financial turmoil has generated considerable discussion of liquidity. Moreover, it has been widely reported that the Federal Reserve played a major role in supplying liquidity to financial markets during this distressed time. This article describes two ways in which the Fed has supplied liquidity since late 2007. The first is traditiona...  

The Federal Reserve as Lender of Last Resort during the Panic of 2008 by Kenneth N. Kuttner in Committee on Capital Markets Regulation Report , December 2008

This report examines the impact of the Fed’s unprecedented lending on its formulation and implementation of monetary policy. The first section provides some background on the Fed’s recent actions within the context of its role as lender of last resort (LOLR). The second outlines some of the ways in which the surge in Fed lending has affected the...  

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Federal Reserve Assets: Understanding the Pieces of the Pie by Charles S. Gascon in Federal Reserve Bank of St. Louis Economic Synopses , March 2009

This paper examines the composition of assets on the Fed’s balance sheet and groups them according to the objectives of the programs used to acquire them.

The Federal Reserve's Balance Sheet: An Update by Ben S. Bernanke in Speech, Board of Governors , October 2009

Bernanke reviews the most important elements of the Federal Reserve's balance sheet, as well as some aspects of their evolution over time. With this, he explains the steps the Federal Reserve has taken, beyond conventional interest rate reductions, to mitigate the financial crisis and the recession, as well as how those actions will be reversed as ...  

Federal Reserve's exit strategy by Ben S. Bernanke in Board of Governors Testimony , February 2010

Statement before the Committee on Financial Services, U.S. House of Representatives, Washington, D.C. as prepared for delivery. The hearing was postponed due to inclement weather.

The Federal Reserve's Term Auction Facility by Olivier Armantier, Sandra Krieger and James McAndrews in Federal Reserve Bank of New York: Current Issues in Economics and Finance , July 2008

As liquidity conditions in the term funding markets grew increasingly strained in late 2007, the Federal Reserve began making funds available directly to banks through a new tool, the Term Auction Facility (TAF). The facility is designed to improve liquidity by making it easier for sound institutions to borrow when the markets are not operating ...  

The Federal Reserve’s Commercial Paper Funding Facility by Tobias Adrian, Karin Kimbrough, and Dina Marchioni in Federal Reserve Bank of New York Staff Reports , January 2010

The Federal Reserve created the Commercial Paper Funding Facility (CPFF) in the midst of severe disruptions in money markets following the bankruptcy of Lehman Brothers on September 15, 2008. The CPFF finances the purchase of highly rated unsecured and asset-backed commercial paper from eligible issuers via primary dealers. The facility is a liquid...  

Financial Crises and Bank Failures: A Review of Prediction Methods by Yuliya Demyanyk and Iftekhar Hasan in Federal Reserve Bank of Cleveland Working Paper , June 2009

In this article the authors analyze financial and economic circumstances associated with the U.S. subprime mortgage crisis and the global financial turmoil that has led to severe crises in many countries. They suggest that the level of cross-border holdings of long-term securities between the United States and the rest of the world may indicate...  

The Financial Crisis: An Inside View by Phillip Swagel in Brookings Papers on Economic Activity , April 2009

This paper reviews the events associated with the credit market disruption that began in August 2007 and developed into a full-blown crisis in the fall of 2008. This is necessarily an incomplete history: the paper is being written in the months immediately after Swagel left Treasury, where he served as Assistant Secretary for Economic Policy from D...  

Financial Instability, Reserves, and Central Bank Swap Lines in the Panic of 2008 by Maurice Obstfeld, Jay C. Shambaugh and Alan M. Taylor in AEA Presentation Paper , December 2008

In this paper the authors connect the events of the last twelve months, “the Panic of 2008” as it has been called, to the demand for international reserves. In previous work, the authors have shown that international reserve demand can be rationalized by a central bank’s desire to backstop the broad money supply to avert the possibility of an in...  

Financial Intermediaries, Financial Stability and Monetary Policy by Tobias Adrian and Hyun Song Shin in Federal Reserve Bank of Kansas City's Symposium: Maintaining Stability in a Changing Financial System , September 2008

In a market-based financial system, banking and capital market developments are inseparable. Adrian and Shin document evidence that balance sheets of market-based financial intermediaries provide a window on the transmission of monetary policy through capital market conditions. Short-term interest rates are determinants of the cost of leverage and ...  

Focusing on Bank Interest Rate Risk Exposure by Donald L. Kohn in Board of Governors Speech , January 2010

At the Federal Deposit Insurance Corporation's Symposium on Interest Rate Risk Management, Arlington, Virginia

A Framework for Assessing the Systemic Risk of Major Financial Institutions by Xin Huang, Hao Zhou, and Haibin Zhu in Federal Reserve Board, Finance and Economics Discussion Series , September 2009

In this paper the authors propose a framework for measuring and stress testing the systemic risk of a group of major financial institutions. The systemic risk is measured by the price of insurance against financial distress, which is based on ex ante measures of default probabilities of individual banks and forecasted asset return correlations. Imp...  

Further Results on a Black Swan in the Money Market by John B. Taylor and John C. Williams in Stanford University Working Paper , May 2008

Using alternative measures of term lending rates and counterparty risk and a wide variety of econometric specifications, we find that counterparty risk has a robust significant effect on interest rate spreads in the term inter-bank loan markets. In contrast, we do not find comparably robust evidence of significant negative effects of the Fed’s t...  

Getting Back on Track: Macroeconomic Policy Lessons from the Financial Crisis by John B. Taylor in Federal Reserve Bank of St. Louis Review , May 2010

This article reviews the role of monetary and fiscal policy in the financial crisis and draws lessons for future macroeconomic policy. It shows that policy deviated from what had worked well in the previous two decades by becoming more interventionist, less rules-based, and less predictable. The policy implications are thus that policy should “g...  

Government assistance to AIG by Scott G. Alvarez in Testimony before the Congressional Oversight Panel, U.S. Congress , May 2010

Housing, Mortgage Markets, and Foreclosures at the Federal Reserve System Conference on Housing and Mortgage Markets, Washington, D.C. by Ben Bernanke in Speech , December 2008

Housing and housing finance played a central role in precipitating the current crisis. Declining house prices, delinquencies and foreclosures, and strains in mortgage markets are now symptoms as well as causes of our general financial and economic difficulties. The most effective approach very likely will involve a full range of coordinated measu...  

How Did a Domestic Housing Slump Turn into a Global Financial Crisis? by Steven B. Kamin and Laurie Pounder DeMarco in Board of Governors International Finance Discussion Papers , January 2010

The global financial crisis clearly started with problems in the U.S. subprime sector and spread across the world from there. But was the direct exposure of foreigners to the U.S. financial system a key driver of the crisis, or did other factors account for its rapid contagion across the world? To answer this question, we assessed whether countr...  

How Not to Reduce Excess Reserves by David C. Wheelock in Federal Reserve Bank of St. Louis Economic Synopses , August 2009

The author looks back to a simliar economic situation during the 1930s for insights into how to handle excess reserves.

How the Subprime Crisis Went Global: Evidence from Bank Credit Default Swap Spreads by Barry Eichengreen, Ashoka Mody, Milan Nedeljkovic, and Lucio Sarno in NBER Working Paper (requires subscription) , April 2009

How did the Subprime Crisis, a problem in a small corner of U.S. financial markets, affect the entire global banking system? To shed light on this question we use principal components analysis to identify common factors in the movement of banks' credit default swap spreads. We find that fortunes of international banks rise and fall together even...  

How to Avoid a New Financial Crisis by Oliver Hart and Luigi Zingales in University of Chicago Booth School of Business Research Paper , November 2009

This paper discusses the origins of the financial crisis in terms of risk, and then offers proposals for ways to fix the system.

International Policy Response to the Financial Crisis by Masaaki Shirakawa in Federal Reserve Bank of Kansas City Symposium , August 2009

A discussion of the future of international coordination between central banks in the wake of the current financial crisis.

Interview with Raghuram Rajan in Federal Reserve Bank of Minneapolis Region , December 2009

An interview with Rajan discussing the current financial crisis and possible solutions for the future.

Is Monetary Policy Effective During Financial Crises? by Frederic S. Mishkin in NBER Working Paper (requires subscription) , January 2009

The tightening of credit standards and the failure of the cost of credit to households and businesses to fall despite the sharp easing of monetary policy has led to a common view that monetary policy has not been effective during the recent financial crisis. Mishkin disagrees and believes that financial crises of the type we have been experiencing ...  

Is the Financial Crisis Over? A Yield Spread Perspective by Massimo Guidolin and Yu Man Tam in Federal Reserve Bank of St. Louis Economic Synopses , September 2009

Our finding is consistent with some recent, substantial volatility in the U.S. corporate bond market and leaves open a possibility that additional, future shocks to default premia may have long-lived effects.

Lessons Learned? Comparing the Federal Reserve’s Responses to the Crises of 1929-1933 and 2007-2009 by David C. Wheelock in Federal Reserve Bank of St. Louis Review , March 2010

The financial crisis of 2007-09 is widely viewed as the worst financial disruption since the Great Depression of 1929-33. However, the accompanying economic recession was mild compared with the Great Depression, though severe by postwar standards. Aggressive monetary, fiscal, and financial policies are widely credited with limiting the impact of...  

Lessons of the Crisis: The Implications for Regulatory Reform by William C. Dudley in Speech, Federal Reserve Bank of New York , January 2010

Remarks at the Partnership for New York City Discussion, New York City.

The Longer-Term Challenges Ahead by William C. Dudley in Federal Reserve Bank of New York Speech , March 2010

Remarks at the Council of Society Business Economists Annual Dinner, London, United Kingdom

Macroprudential Supervision and Monetary Policy in the Post-crisis World by Janet L. Yellen in Board of Governors Speech , October 2010

Speech at the Annual Meeting of the National Association for Business Economics, Denver, Colorado

The Mechanics of a Graceful Exit: Interest on Reserves and Segmentation in the Federal Funds Market by Morten L. Bech and Elizabeth Klee in Federal Reserve Bank of New York Staff Reports , December 2009

To combat the financial crisis that intensified in the fall of 2008, the Federal Reserve injected a substantial amount of liquidity into the banking system. The resulting increase in reserve balances exerted downward price pressure in the federal funds market, and the effective federal funds rate began to deviate from the target rate set by the Fed...  

Monetary Policy and Asset Prices by Brett W. Fawley and Luciana Juvenal in Federal Reserve Bank of St. Louis Economic Synopses , April 2010

reminder that asset prices can and do run wild at rates capable of negative effects on real economic activity. Not surprisingly, this has reinvigorated debate over whether central banks should respond to asset price bubbles.

Monetary Policy and the Recent Extraordinary Measures Taken by the Federal Reserve by John B. Taylor in U.S. House Committee on Financial Services , February 2009

Written testimony before the Committee on Financial Services U.S. House of Representatives on monetary policy and the "extraordinary measures" taken by the Federal Reserve over the past 18 months.

Monetary Policy in the Crisis: Past, Present, and Future by Donald L. Kohn in Board of Governors Speech , January 2010

Speech given at the Brimmer Policy Forum, American Economic Association Annual Meeting, Atlanta, Georgia

More Lessons from the Crisis by William C. Dudley in Federal Reserve Bank of New York Speech , November 2009

Remarks at the Center for Economic Policy Studies Symposium

More Money: Understanding Recent Changes in the Monetary Base by William T. Gavin in Federal Reserve Bank of St. Louis Review , March 2009

The financial crisis that began in the summer of 2007 took a turn for the worse in September 2008. Until then, Federal Reserve actions taken to improve the functioning financial markets did not affect the monetary base. The unusual lending and purchase of private debt was offset by the sale of Treasury securities so that the total size of the ba...  

Moving Beyond the Financial Crisis by Elizabeth A. Duke in Board of Governors Speech , June 2010

At the Consumer Bankers Association Annual Conference, Hollywood, Florida

On the Effectiveness of the Federal Reserve's New Liquidity Facilities by Tao Wu in Federal Reserve Bank of Dallas Working Paper , May 2008

This paper examines the effectiveness of the new liquidity facilities that the Federal Reserve established in response to the recent financial crisis. I develop a no-arbitrage based affine term structure model with default risk and conduct a thorough factor analysis of the counterparty default risk among major financial institutions and the underly...  

Paying Interest on Deposits at Federal Reserve Banks by Richard G. Anderson in Federal Reserve Bank of St. Louis Economic Synopses , November 2008

The implementation of monetary policy in developed economies relies on three interest rates: a policy target rate, one or more lending (or, discount) rates, and a remuneration rate, the rate of interest the central bank pays on the deposits that banks hold at the central bank. In the current economic crisis, management of the remuneration rate has ...  

Policies to Bring Us Out of the Financial Crisis and Recession by Donald L. Kohn in Speech , April 2009

Kohn discusses the actions the government is taking to address our current financial and economic difficulties, focusing on the economic and financial problems and policy responses in the United States.

Provision of Liquidity through the Primary Credit Facility during the Financial Crisis: A Structural Analysis by Erhan Artuç and Selva Demiralp in Federal Reserve Bank of New York Economic Policy Review , October 2009

In response to the liquidity crisis that began in August 2007, central banks designed a variety of tools for supplying liquidity to financial institutions. The Federal Reserve introduced several programs, such as the Term Auction Facility, the Term Securities Lending Facility, and the Primary Dealer Credit Facility, while enhancing its open market ...  

Putting the Low Road Behind Us by Governor Sarah Bloom Raskin in Speech at the 2011 Midwinter Housing Finance Conference, Park City, Utah , February 2011

In this speech Governor Raskin shares some thoughts about the powerful impact the housing and mortgage markets have on the nation's economic recovery, presents some ideas to effect positive change in the mortgage servicing industry, and finally imparts a guiding principle that should help us find our way through the current struggles and drive the ...  

Quantitative Easing: Entrance and Exit Strategies by Alan S. Blinder in Federal Reseve Bank of St. Louis Homer Jones Memorial Lecture , April 2010

Blinder discussed the concept of quantitative easing, the Fed's entrance strategy, the Fed's exit strategy, and its implications for central bank independence.

Questions about Fiscal Policy: Implications from the Financial Crisis of 2008-2009 by N. Gregory Mankiw in Federal Reserve Bank of St. Louis Review , May 2010

This article is a modified version of remarks given at the Federal Reserve Bank of Philadelphia’s policy forum “Policy Lessons from the Economic and Financial Crisis,” December 4, 2009.

Questions and Answers about the Financial Crisis by Gary Gorton in Prepared Testimony for the U.S. Financial Crisis Inquiry Commission , February 2010

All bond prices plummeted (spreads rose) during the financial crisis, not just the prices of subprimerelated bonds. These price declines were due to a banking panic in which institutional investors and firms refused to renew sale and repurchase agreements (repo) – short?term, collateralized, agreements that the Fed rightly used to count as money...  

Reaping the Full Benefits of Financial Openness by Yellen, Janet L. in Federal Reserve Board of Governors Speech , May 2011

Speech at the Bank of Finland 200th Anniversary Conference, Helsinki, Finland

Reflections on a Year of Crisis by Ben S. Bernanke in Federal Reserve Bank of Kansas City Symposium , August 2009

The opening remarks at the Jackson Hole conference, "Financial Stability and Macroeconomic Policy"

Resolution Process for Financial Companies that Pose Systemic Risk to the Financial System and Overall Economy by Thomas M. Hoenig, Charles S. Morris, and Kenneth Spong in Federal Reserve Bank of Kansas City Speech , September 2009

The Under current law, financial regulators do not have the authority to resolve financial holding companies and non-depository financial companies that are in default or serious danger of default as they have with depository institutions. Although the normal bankruptcy process is a very effective process for most non-depository financial companie...  

Rethinking Macroeconomic Policy by Olivier Blanchard, Giovanni Dell’Ariccia, and Paolo Mauro in IMF Staff Position Note , February 2010

The great moderation lulled macroeconomists and policymakers alike in the belief that we knew how to conduct macroeconomic policy. The crisis clearly forces us to question that assessment. In this paper, we review the main elements of the pre-crisis consensus, we identify where we were wrong and what tenets of the pre-crisis framework still hold, a...  

The Risk of Deflation by John C.Williams in Federal Reserve Bank of San Francisco Economic Letter , March 2009

This article examines the risk of deflation in the United States by reviewing the evidence from past episodes of deflation and inflation.

The Role of the Federal Reserve in a New Financial Order by Paul A. Volcker in Speech at the Economic Club of New York , January 2010

Paul Volcker's discussion of the role of the Federal Reserve in light of the Financial Crisis.

The Role of the Securitization Process in the Expansion of Subprime Credit by Taylor D. Nadauld and Shane M. Sherlund in Board of Governors Finance and Economics Discussion Series , April 2009

The authors analyze the structure and attributes of subprime mortgage-backed securitization deals originated between 1997 and 2007. Their data set allows us to link loan-level data for over 6.7 million subprime loans to the securitization deals into which the loans were sold. They show that the securitization process, including the assignment of cr...  

Shadow Banking by Zoltan Pozsar, Tobias Adrian, Adam Ashcraft, Hayley Boesky in Federal Reserve Bank of New York Staff Reports no. 458 , July 2010

This paper documents the origins, evolution and economic role of the shadow banking system. Its aim is to aid regulators and policymakers globally to reform, regulate and supervise the process of securitized credit intermediation in a market-based financial system.

The Shadow Banking System: Implications for Financial Regulation by Tobias Adrian and Hyun Song Shin in Federal Reserve Bank of New York Staff Report , July 2009

The current financial crisis has highlighted the growing importance of the “shadow banking system,” which grew out of the securitization of assets and the integration of banking with capital market developments. This trend has been most pronounced in the United States, but it has had a profound influence on the global financial system. In a market-...  

Should Monetary Policy “Lean or Clean”?* by William R. White in Federal Reserve Bank of Dallas Working Paper , August 2009

It has been contended by many in the central banking community that monetary policy would not be effective in “leaning” against the upswing of a credit cycle (the boom) but that lower interest rates would be effective in “cleaning” up (the bust) afterwards. In this paper, these two propositions (can’t lean, but can clean) are examined and found ser...  

Some Observations and Lessons from the Crisis by Simon M. Potter in Federal Reserve Bank of New York Speech , June 2010

Remarks at the Third Annual Connecticut Bank and Trust Company Economic Outlook Breakfast, Hartford, Connecticut

Structural Causes of the Global Financial Crisis: A Critical Assessment of the ‘New Financial Architecture’ by James Crotty in University of Massachusetts Amherst Working Paper , August 2008

The main thesis of this paper is that the ultimate cause of the current global financial crisis is to be found in the deeply flawed institutions and practices of what is often referred to as the New Financial Architecture (NFA) – a globally integrated system of giant bank conglomerates and the so-called ‘shadow banking system’ of investment ban...  

Systemic Risk and Deposit Insurance Premiums by Viral V. Acharya, João A. C. Santos, and Tanju Yorulmazer in Federal Reserve Bank of New York Economic Policy Review , October 2009

While systemic risk—the risk of wholesale failure of banks and other financial institutions—is generally considered to be the primary reason for supervision and regulation of the banking industry, almost all regulatory rules treat such risk in isolation. In particular, they do not account for the very features that create systemic risk in the first...  

Systemic Risk and the Financial Crisis: A Primer by James Bullard, Christopher J. Neely, and David C. Wheelock in Federal Reserve Bank of St. Louis Review , September 2009

How did problems in a relatively small portion of the home mortgage market trigger the most severe financial crisis in the United States since the Great Depression? Several developments played a role, including the proliferation of complex mortgage-backed securities and derivatives with highly opaque structures, high leverage, and inadequate risk m...  

The Term Securities Lending Facility: Origin, Design, and Effects by Michael J. Fleming, Warren B. Hrung and Frank M. Keane in Federal Reserve Bank of New York Current Issues in Economics and Finance , February 2009

The Federal Reserve launched the Term Securities Lending Facility (TSLF) in 2008 to promote liquidity in the funding markets and improve the operation of the broader financial markets. The facility increases the ability of dealers to obtain cash in the private market by enabling them to pledge securities temporarily as collateral for Treasuries, wh...  

Three Funerals and a Wedding by James B. Bullard in Federal Reserve Bank of St. Louis Review , January 2009

A discussion of three macroeconomic ideas that may be passing away, and one macroeconomic idea that is being rehabilitated.

Three Lessons for Monetary Policy from the Panic of 2008 by James Bullard in Federal Reserve Bank of St. Louis Review , May 2010

This article is a modified version of a presentation given at the Federal Reserve Bank of Philadelphia’s policy forum “Policy Lessons from the Economic and Financial Crisis,” December 4, 2009.

The U.S. Financial System: Where We Have Been, Where We Are and Where We Need to Go by William C. Dudley in Federal Reserve Bank of New York Speech , February 2010

Remarks at the Reserve Bank of Australia's 50th Anniversary Symposium, Sydney, Australia

Unconventional Monetary Policy Actions by Glen D. Rudebusch in Federal Reserve Bank of San Francisco FedViews , March 2009

Glenn D. Rudebusch, senior vice president and associate director of research at the Federal Reserve Bank of San Francisco, states his views on recent unconventional monetary policy actions. Charts are included.

United States: Financial System Stability Assessment by The Monetary and Capital Markets and Western Hemisphere Departments of the International Monetary Fund in International Monetary Fund, IMF Country Report No. 10/247 , July 2010

A forceful policy response has rolled back systemic market pressures, but the cost of intervention has been high and stability is tenuous. Comprehensive reforms are being legislated, addressing many of the issues that left the system vulnerable. Given the severity of the crisis and the many weaknesses revealed, bolder action could have been envi...  

Valuing the Treasury’s Capital Assistance Program by Paul Glasserman and Zhenyu Wang in Federal Reserve Bank of New York Staff Reports , December 2009

The Capital Assistance Program (CAP) was created by the U.S. government in February 2009 to provide backup capital to large financial institutions unable to raise sufficient capital from private investors. Under the terms of the CAP, a participating bank receives contingent capital by issuing preferred shares to the Treasury combined with embedded ...  

A View of the Economic Crisis and the Federal Reserve’s by Janet L. Yellen in Federal Reserve Bank of San Francisco Economic Letter , July 2009

The Federal Reserve has responded to a severe recession by developing programs to bolster the financial system and restore economic growth. The Fed has the tools to unwind these programs when appropriate, maintaining price stability. The following is adapted from a speech delivered by the president and CEO of the Federal Reserve Bank of San Francis...  

Walter Bagehot, the Discount Window, and TAF by Daniel Thornton in Federal Reserve Bank of St. Louis Economic Synopses , October 2008

In response to the mortgage-related distress in financial markets, the Fed has implemented a number of new lending programs. Prominent among these is the Term Auction Facility (TAF), through which the Federal Reserve Banks auction funds to depository institutions. Under the TAF, depository institutions compete for funds by indicating the amount th...  

Would Quantitative Easing Sooner Have Tempered the Financial Crisis and Economic Recession? by Daniel L. Thornton in Federal Reserve Bank of St. Louis Economic Synopses , August 2009

The author examines the timing of the quantitative easing employed by the Federal Reserve.

The Aftermath of Financial Crises by Carmen Reinhart and Kenneth S. Rogoff in Harvard University Working Paper , December 2008

This paper presents a comparative historical analysis that is focused on the aftermath of systemic banking crises. This study of the aftermath of severe financial crises includes a number of recent emerging market cases to expand the relevant set of comparators. Also included in the comparisons are two prewar developed country episodes for which w...  

Banking Crises: An Equal Opportunity Menace by Carmen M. Reinhart and Kenneth S. Rogoff in Harvard University Working Paper , December 2008

The historical frequency of banking crises is quite similar in high- and middle-to-low income countries, with quantitative and qualitative parallels in both the run-ups and the aftermath. The authors establish these regularities using a unique dataset spanning from Denmark’s financial panic during the Napoleonic War to the ongoing global financial ...  

The Crisis through the Lens of History by Charles Collyns in International Monetary Fund: Finance and Development , December 2008

The current financial crisis is ferocious, but history shows the way to avoid another Great Depression

The Current Financial Crisis: What Should We Learn from the Great Depressions of the Twentieth Century? by Gonzalo Fernández de Córdoba and Timothy J. Kehoe in Federal Reserve Bank of Minneapolis Staff Report , March 2009

Studying the experience of countries that have experienced great depressions during the twentieth century teaches us that massive public interventions in the economy to maintain employment and investment during a financial crisis can, if they distort incentives enough, lead to a great depression.

The Evolution of the Subprime Mortgage Market by Souphala Chomsisengphet and Anthony Pennington-Cross in Federal Reserve Bank of St. Louis Review , January 2006

This paper describes subprime lending in the mortgage market and how it has evolved through time. Subprime lending has introduced a substantial amount of risk-based pricing into the mortgage market by creating a myriad of prices and product choices largely determined by borrower credit history (mortgage and rental payments, foreclosures and bankru...  

Financial Statistics for the United States and the Crisis: What Did They Get Right, What Did They Miss, and How Should They Change? by Matthew J. Eichner, Donald L. Kohn, and Michael G. Palumbo in Board of Governors Finance and Economics Discussion Series , April 2010

Although the instruments and transactions most closely associated with the financial crisis of 2008 and 2009 were novel, the underlying themes that played out in the crisis were familiar from previous episodes: Competitive dynamics resulted in excessive leverage and risktaking by large, interconnected firms, in heavy reliance on short-term sourc...  

The Global Credit Crisis as History by Barry Eichengreen in University of California Berkeley Polcy Paper , December 2008

During the Great Depression the Fed waited too long to execute its responsibilities as a lender of last resort, thus allowing the banking system to collapse. This time, there has been little hesitation on the part of the Fed to act, which leaves two questions: Why, given that this is a global credit crisis, have policy makers in other countries fai...  

An Historical Perspective on the Crisis of 2007-2008 by Michael D. Bordo in Bank of Chile Conference , November 2008

The current international financial crisis is part of a perennial pattern. Today’s events have echoes in earlier big international financial crises which were triggered by events in the U.S. financial system. Examples include the crises of 1857,1893, 1907 and 1929-1933. This crisis has many similarities to those of the past but also some important ...  

Slapped in the Face by the Invisible Hand: Banking and the Panic of 2007 by Gary B. Gorton in SSRN Paper , May 2009

The 'shadow banking system' at the heart of the current credit crisis is, in fact, a real banking system – and is vulnerable to a banking panic. Indeed, the events starting in August 2007 are a banking panic. A banking panic is a systemic event because the banking system cannot honor its obligations and is insolvent. Unlike the historical banking p...  

Stock-Market Crashes and Depressions by Robert J. Barro and José F. Ursúa in NBER Working Paper (requires subscription) , February 2009

Long-term data for 25 countries up to 2006 reveal 195 stock-market crashes (multi-year real returns of -25% or less) and 84 depressions (multi-year macroeconomic declines of 10% or more), with 58 of the cases matched by timing. The United States has two of the matched events--the Great Depression 1929-33 and the post-WWI years 1917-21, likely drive...  

Systemic Banking Crisis: A New Database by Luc Laeven and Fabian Valencia in IMF Working Paper , November 2008

This paper presents a new database on the timing of systemic banking crises and policy responses to resolve them. The database covers the universe of systemic banking crises for the period 1970-2007, with detailed data on crisis containment and resolution policies for 42 crisis episodes, and also includes data on the timing of currency crises and s...  

This Time is Different: A Panoramic View of Eight Centuries of Financial Crises by Carmen M. Reinhart and Kenneth S. Rogoff in Harvard University Working Paper , April 2008

This paper offers a “panoramic” analysis of the history of financial crises dating from England’s fourteenth-century default to the current United States sub-prime financial crisis. Our study is based on a new dataset that spans all regions. It incorporates a number of important credit episodes seldom covered in the literature, including for exampl...  

Using Monetary Policy to Stabilize Economic Activity by Carl E. Walsh in Federal Reserve Bank of Kansas City Symposium , August 2009

This essay examines the role of monetary policy in stabilizing real economic activity. The author discusses the consensus on monetary policy that developed over the last twenty years. He then examines monetary policy when the policy interest rate has fallen to zero. The paper also assess issues relevant for post-crisis monetary policy.

Where We Go from Here: The Crisis and Beyond by Richard W. Fisher in Federal Reserve Bank of Dallas Speech , March 2010

Remarks before the Eller College of Management, University of Arizona

Booms and Busts: The Case of Subprime Mortgages by Edward M. Gramlich in Federal Reserve Bank of Kansas City Economic Review , September 2007

Booms and busts have played a prominent role in American economic history. In the 19th century, the United States benefited from the canal boom, the railroad boom, the minerals boom, and a financial boom. The 20th century brought another financial boom, a postwar boom, and a dot-com boom. The details differed, but each of these cases featured init...  

Central Bank Tools and Liquidity Shortages by Stephen G. Cecchetti and Piti Disyatat in Federarl Reserve Bank of New York Economic Policy Review , October 2009

The global financial crisis that began in mid-2007 has renewed concerns about financial instability and focused attention on the fundamental role of central banks in preventing and managing systemic crises. In response to the turmoil, central banks have made extensive use of both new and existing tools for supplying central bank money to financial ...  

Changes in the U.S. Financial System and the Subprime Crisis by Jan Kregel in Levy Economics Institute Working Paper , April 2008

The paper provides a background to the forces that have produced the present system of residential housing finance, the reasons for the current crisis in mortgage financing, and the impact of the crisis on the overall financial system.

The Consequences of Mortgage Credit Expansion: Evidence from the U.S. Mortgage Default Crisis by Atif R. Mian, Amir Sufi in SSRN Working Paper , December 2008

We conduct a within-county analysis using detailed zip code level data to document new findings regarding the origins of the biggest financial crisis since the Great Depression. The recent sharp increase in mortgage defaults is significantly amplified in subprime zip codes, or zip codes with a disproportionately large share of subprime borrowers as...  

Counterparty Risk in the Over-The-Counter Derivatives Market by Miguel A. Segoviano and Manmohan Singh in IMF Working Paper , November 2008

The financial market turmoil of recent months has highlighted the importance of counterparty risk. Here, we discuss counterparty risk that may stem from the OTC derivatives markets and attempt to assess the scope of potential cascade effects. This risk is measured by losses to the financial system that may result via the OTC derivative contracts fr...  

The Credit Crisis and Cycle Proof Regulation by Raghuram G. Rajan in Federal Reserve Bank of St. Louis Review , September 2009

Rajan offers what he called "cycle proof regulation" to help head off a future crisis. Among other things, he proposed: -Highly leveraged financial institutions would be required to buy fully collateralized insurance. This insurance would inject contingent capital into those institutions when they're in trouble. -Financial institutions considered...  

The Credit Crisis: Conjectures about Causes and Remedies by Douglas W. Diamond and Raghuram G. Rajan in AEA Presentation Paper , December 2008

What caused the financial crisis that is sweeping across the world? What keeps asset prices and lending depressed? What can be done to remedy matters? While it is too early to arrive at definite answers to these questions, the focus of this paper is to offer offer informed conjectures.

Did Credit Scores Predict the Subprime Crisis? by Yuliya Demyanyk in Federal Reserve Bank of St. Louis Regional Economist , October 2008

One might expect to find a connection between borrowers' FICO scores and the incidence of default and foreclosure during the current crisis. The data don't show such a cause and effect, however.

Did Prepayments Sustain the Subprime Market? by Geetesh Bhardwaj and Rajdeep Sengupta in Federal Reserve Bank of St. Louis Working Paper , October 2008

This paper demonstrates that the reason for widespread default of mortgages in the subprime market was a sudden reversal in the house price appreciation of the early 2000's. Using loan-level data on subprime mortgages, we observe that the majority of subprime loans were hybrid adjustable rate mortgages, designed to impose substantial financial ...  

The Fed's Expanded Balance Sheet by Brian P. Sack in Federal Reserve Bank of New York Speech , December 2009

The Fed’s balance sheet has moved to the forefront of its policy efforts. Accordingly, to understand the policy choices that lie ahead for the Federal Reserve, one has to understand how the balance sheet got to where it is and what effects it has had on financial markets.

Financial Crises and Economic Activity by Stephen G. Cecchetti, Marion Kohler and Christian Upper in Federal Reserve Bank of Kansas City Symposium , August 2009

The authors use historical data to examine past systemic banking crises and compare them to the current crisis. They also look at the long-term effects of a crisis on economic output.

The Financial Crisis and the Policy Response: An Empirical Analysis of What Went Wrong by John B. Taylor in Stanford University Working Paper , November 2008

This paper is an empirical investigation of the role of government actions and interventions in the financial crisis that flared up in August 2007.

Financial Reform or Financial Dementia? by Richard W. Fisher in Federal Reserve Bank of Dallas Speech , June 2010

Remarks at the SW Graduate School of Banking 53rd Annual Keynote Address and Banquet

Fixing Finance: A Roadmap for Reform by Robert E. Litan and Martin N. Baily in Brookings Institution , February 2009

This paper suggests a roadmap for reform of the financial system. The authors suggest that the guiding principles should be market discipline and sound regulation, and provide a detailed outline for changes in financial policy.

Has Financial Development Made the World Riskier? by Raghuram G. Rajan in Federal Reserve Bank of Kansas City's Symposium: The Greenspan Era: Lessons for the Future , August 2005

This paper (written pre-crisis in 2005) examines the revolutionary changes in financial systems around the world, such as greater borrowing at lower rates, the multitude of investment options catering to every possible profile of risk and return, and the ability to share risks with strangers from across the globe. The author questions the costs of...  

Has the Recent Real Estate Bubble Biased the Output Gap? by Chanont Banternghansa and Adrian Peralta-Alva in Federal Reserve Bank of St. Louis Economic Synopses , December 2009

The authors offer a word of caution to policymakers: Policies based on point estimates of the output gap may not rest on solid ground.

Hedge Funds, Systemic Risk, and the Financial Crisis of 2007-2008 by Andrew W. Lo in U.S. House Committee on Oversight and Government Reform , November 2008

This article is the written testimony of Andrew Lo on the role of hedge funds in the U.S. financial system and their regulation. For the preliminary transcript, see http://oversight.house.gov/documents/20081114143312.pdf

The Information Value of the Stress Test and Bank Opacity by Stavros Peristiani, Donald P. Morgan, and Vanessa Savino in Federal Reserve Bank of New York Staff Reports, no. 460 , July 2010

We investigate whether the “stress test,” the extraordinary examination of the nineteen largest U.S. bank holding companies conducted by federal bank supervisors in 2009, produced information demanded by the market. Using standard event study techniques, we find that the market had largely deciphered on its own which banks would have capital ga...  

Lessons for the Future from the Financial Crisis by Eric S. Rosengren in Speech before Massachusetts Newspaper Publishers Association Annual Meeting , December 2009

In a storytelling format, Rosengren explains why it was necessary to “bail out” certain firms – like AIG – and what this story teaches us about avoiding such necessities in the future. Also, why the Federal Reserve took such aggressive action to dramatically expand its balance sheet to address the crisis – and what implications and effects we expe...  

Making Sense of the Subprime Crisis by Kristopher S. Gerardi, Andreas Lehnert, Shane M. Sherland, and Paul S. Willen in Federal Reserve Bank of Boston Working Paper , December 2008

This paper explores the question of whether market participants could have or should have anticipated the large increase in foreclosures that occurred in 2007 and 2008. Most of these foreclosures stem from loans originated in 2005 and 2006, leading many to suspect that lenders originated a large volume of extremely risky loans during this period. ...  

Monetary Policy and the Housing Bubble by Ben S. Bernanke in Board of Governors Speech , January 2010

Speech given at the Annual Meeting of the American Economic Association, Atlanta, Georgia

Quick Exits of Subprime Mortgages by Yuliya S. Demyanyk in Federal Reserve Bank of St. Louis Review , March 2009

All holders of mortgage contracts, regardless of type, have three options: keep their payments current, prepay (usually through refinancing), or default on the loan. The latter two options terminate the loan. The termination rates of subprime mortgages that originated each year from 2001 through 2006 are surprisingly similar: about 20, 50, and 8...  

Regulation and Its Discontents by Kevin Warsh in Board of Governors Speech , February 2010

At the New York Association for Business Economics, New York, New York

Rethinking Capital Regulation by Anil K. Kashyap, Raghuram G. Rajan and Jeremy C. Stein in Federal Reserve Bank of Kansas City's Symposium: Maintaining Stability in a Changing Financial System , September 2008

Recent estimates suggest that U.S. banks and investment banks may lose up to $250 billion from their exposure to residential mortgages securities. The resulting depletion of capital has led to unprecedented disruptions in the market for interbank funds and to sharp contractions in credit supply, with adverse consequences for the larger economy. A n...  

The Rise in Mortgage Defaults by Chris Mayer, Karen Pence and Shane M. Sherlund in Federal Reserve Board Finance and Economics Discussion Series , November 2008

The main factors underlying the rise in mortgage defaults appear to be declines in house prices and deteriorated underwriting standards, in particular an increase in loan-to-value ratios and in the share of mortgages with little or no documentation of income.

The Subprime Crisis: Cause, Effect and Consequences by R. Christopher Whalen in SSRN Working Paper , June 2008

Despite the considerable media attention given to the collapse of the market for complex structured assets that contain subprime mortgages, there has been too little discussion of why this crisis occurred. The Subprime Crisis: Cause, Effect and Consequences argues that three basic issues are at the root of the problem, the first of which is an odio...  

Subprime Facts: What (We Think) We Know about the Subprime Crisis and What We Don't by Christopher L. Foote, Kristopher Gerardi, Lorenz Goette and Paul S. Willen in Federal Reserve Bank of Boston Public Policy Discussion Paper , May 2008

Using a variety of datasets, the authors document some basic facts about the current subprime crisis. Many of these facts are applicable to the crisis at a national level, while some illustrate problems relevant only to Massachusetts and New England. The authors conclude by discussing some outstanding questions about which the data, which they beli...  

Subprime Lending and Real Estate Markets by Susan M. Wachter, Andrey D. Pavlov, and Zoltan Pozsar in SSRN Working Paper , December 2008

The recent credit crunch, and liquidity deterioration, in the mortgage market have led to falling house prices and foreclosure levels unprecedented since the Great Depression. A critical factor in the post-2003 house price bubble was the interaction of financial engineering and the deteriorating lending standards in real estate markets, which fed o...  

Subprime Outcomes: Risky Mortgages, Homeownership Experiences, and Foreclosures by Kristopher Gerardi, Adam Hale Shapiro and Paul S. Willen in Federal Reserve Bank of Boston Working Paper , May 2008

This paper provides the first rigorous assessment of the homeownership experiences of subprime borrowers. We consider homeowners who used subprime mortgages to buy their homes, and estimate how often these borrowers end up in foreclosure. In order to evaluate these issues, we analyze homeownership experiences in Massachusetts over the 1989–2007 per...  

The Subprime Turmoil: What's Old, What's New, and What's Next by Charles W. Calomiris in Federal Reserve Bank of Kansas City's Symposium: Maintaining Stability in a Changing Financial System" , October 2008

We are currently experiencing a major shock to the financial system, initiated by problems in the subprime market, which spread to securitization products and credit markets more generally. Banks are being asked to increase the amount of risk that they absorb (by moving off-balance sheet assets onto their balance sheets), but losses that the banks...  

U.S. Monetary Policy and the Financial Crisis by James R. Lothian in Federal Reserve Bank of Atlanta CenFIS Working Paper , December 2009

This paper reviews U.S. Federal Reserve policy prior to and during the course of the recession that began in December 2007. It compares those policies to monetary policy during the Great Depression of the 1930s, with which this recession has been likened. The paper then discusses what policymakers will need to do to in future to avoid a surge in in...  

Understanding the Securitization of Subprime Mortgage Credit by Adam B. Ashcraft and Til Schuermann in Federal Reserve Bank of New York Staff Reports , March 2008

In this paper, the authors provide an overview of the subprime mortgage securitization process and the seven key informational frictions that arise. They discuss the ways that market participants work to minimize these frictions and speculate on how this process broke down. They continue with a complete picture of the subprime borrower and the subp...  

Understanding the Subprime Mortgage Crisis by Yuliya Demyanyk and Otto Van Hemert in SSRN Working Paper , December 2008

In this paper the authors provide evidence that the rise and fall of the subprime mortgage market follows a classic lending boom-bust scenario, in which unsustainable growth leads to the collapse of the market. Problems could have been detected long before the crisis, but they were masked by high house price appreciation between 2003 and 2005.

What to Do about Systemically Important Financial Institutions by James B. Thomson in Federal Reserve Bank of Cleveland , August 2009

The Federal Reserve Bank of Cleveland is proposing a three-tiered system for regulating systemically important financial institutions. Tier one would include high-risk institutions, such as large, interstate banks and multi-state insurance companies. Tier two would include moderately complex financial institutions, such as larger regional banks. An...  

Where's the Smoking Gun? A Study of Underwriting Standards for US Subprime Mortgages by Geetesh Bhardwaj and Rajdeep Sengupta in Federal Reserve Bank of St. Louis Working Paper , October 2008

The dominant explanation for the meltdown in the US subprime mortgage market is that lending standards dramatically weakened after 2004. Using loan-level data, Bhardwaj and Sengupta examine underwriting standards on the subprime mortgage originations from 1998 to 2007. Contrary to popular belief, the authors find no evidence of a dramatic weakening...  

Have the Fed Liquidity Facilities Had an Effect on Libor? by Jens Christensen in Federal Reserve Bank of San Francisco Economic Letter , August 2009

In response to turmoil in the interbank lending market, the Federal Reserve inaugurated programs to bolster liquidity beginning in December 2007. Research offers evidence that these liquidity facilities have helped lower the London interbank offered rate, a key market benchmark, significantly from what it otherwise would have been expected to be.

Macroprudential Supervision of Financial Institutions: Lessons from the SCAP by Beverly Hirtle, Til Schuermann, and Kevin Stiroh in Federal Reserve Bank of New York Staff Reports , November 2009

A fundamental conclusion drawn from the recent financial crisis is that the supervision and regulation of financial firms in isolation—a purely microprudential perspective—are not sufficient to maintain financial stability. Rather, a macroprudential perspective, which evaluates and responds to the financial system as a whole, seems necessary, and t...  

Paulson’s Gift by Pietro Veronesi and Luigi Zingales in NBER Working Paper , October 2009

The authors calculate the costs and benefits of the largest ever U.S. Government intervention in the financial sector announced the 2008 Columbus-day weekend. They estimate that this intervention increased the value of banks’ financial claims by $131 billion at a taxpayers’ cost of $25 -$47 billions with a net benefit between $84bn and $107bn. B...  

Quantitative Easing—Uncharted Waters for Monetary Policy by James Bullard in Federal Reserve Bank of St. Louis Regional Economist , January 2010

A discussion of the use of quantiative easing in monetary policy

What the Libor-OIS Spread Says by Daniel L. Thornton in Federal Reserve Bank of St. Louis Economic Synopses , May 2009

This paper offers a discussion of the current Libor-OIS rate spread, and what that rate implies for the health of banks.

Possible Solutions / Next Steps

Addressing TBTF by Shrinking Financial Institutions: An Initial Assessment by Gary H. Stern and Ron Feldman in Federal Reserve Bank of Minneapolis , May 2009

In this essay, the authors review concerns about the "make-them-smaller" reform. They recommend several interim steps to address TBTF that share some similarities with the make-them-smaller approach but do not have the same failings. Specifically, they support (1) imposing special deposit insurance assessments for TBTF banks to allow for spillover-...  

Aiding the Economy: What the Fed Did and Why by Ben S. Bernanke in Board of Governors , November 2010

Federal Reserve Chairman Bernanke's Op-ed column published in The Washington Post on November 4, 2010

Are All the Sacred Cows Dead? Implications of the Financial Crisis for Macro and Financial Policies by Asli Demirgüç-Kunt and Luis Servén in World Bank Policy Research Working Paper , January 2009

The recent global financial crisis has shaken the confidence of developed and developing countries alike in the very blueprint of financial and macro policies that underlie the western capitalist systems. In an effort to contain the crisis from spreading, the authorities in the US and many European governments have taken unprecedented steps of prov...  

As In the Past, Reform Will Follow Crisis by James Bullard in Federal Reserve Bank of St. Louis Regional Economist , July 2009

Historically, crises have led to significant legislation. The current financial crisis will undoubtedly spur further regulation. Successful regulation should be aimed not at preventing all failures, but rather at establishing a clear and credible process such that if a failure were to occur, it would take place in an orderly fashion and not cause i...  

Asset Bubbles and Systemic Risk by Eric S. Rosengren in Federal Reserve Bank of Boston Speech , March 2010

The Global Interdependence Center's Conference on "Financial Interdependence in the World's Post-Crisis Capital Markets" Philadelphia, Pennsylvania

Bank Capital: Lessons from the Financial Crisis by Asli Demirguc-Kunt, Enrica Detragiache, Ouarda Merrouche in World Bank Policy Research Working Paper, WPS5473 , November 2010

Using a multi-country panel of banks, the authors study whether better capitalized banks fared better in terms of stock returns during the financial crisis.

Bank Relationships and the Depth of the Current Economic Crisis by Julian Caballero, Christopher Candelaria, and Galina Hale in Federal Reserve Bank of San Francisco Economic Letter , December 2009

The financial crisis has been worldwide in scope, but the severity has differed from country to country. Those countries whose banks played a more central role in the global financial system, were important intermediaries, or had extensive direct relationships tended to be less seriously affected, as measured by the extent of the decline in their s...  

Buying Troubled Assets by Lucian A. Bebchuk in Harvard Law and Economics Discussion Paper (via SSRN) , April 2009

This paper analyzes how government intervention in the market for banks’ troubled assets is best designed, and also uses this analysis to evaluate the public-private investment program announced by the U.S. government in March 2009. The author begins by presenting the case for using government funds to restart the market for troubled assets. He the...  

Can Monetary Policy Affect GDP Growth? by Yi Wen in Federal Reserve Bank of St. Louis Economic Synopses , April 2009

Discusses whether the growth of the monetary base is associated with gaster growth of real output.

Challenges for monetary policy in EMU by Axel Weber in Homer Jones Memorial Lecture , April 2011

Bundesbank President discussed the financial crisis and its lessons for monetary policy in a lecture at the St. Louis Fed.

The Changing Nature of Financial Intermediation and the Financial Crisis of 2007-09 by Tobias Adrian and Hyun Song Shin in Federal Reserve Bank of New York Staff Reports , March 2010

The financial crisis of 2007-09 highlighted the changing role of financial institutions and the growing importance of the “shadow banking system,” which grew out of the securitization of assets and the integration of banking with capital market developments. This trend was most pronounced in the United States, but it also had a profound influence o...  

The Consolidation of Financial Market Regulation: Pros, Cons, and Implications for the United States by Sabrina R. Pellerin, John R. Walter, and Patricia E. Wescott in Federal Reserve Bank of Richmond Working Paper , May 2009

The U.S. financial system has changed significantly over the last several decades without any major structural changes to the decentralized financial regulatory system, despite numerous proposals. In the past decade, many countries have chosen to consolidate their regulators into a newly formed "single regulator" or have significantly reduced the n...  

Cracks in the System: Repairing the Damaged Global Economy by Olivier Blanchard in International Monetary Fund: Finance and Development , December 2008

The financial crisis has exposed weaknesses in the current regulatory and supervisory frameworks, which have made clear that action is needed to reduce the risk of crises and to address them when they occur.

Credible Alertness Revisited by Jean-Claude Trichet in Federal Reserve Bank of Kansas City Symposium , August 2009

A discussion of three issues facing central banks: the relationship between asset prices and monetary policy; the effectiveness of the standard interest rate instrument; and the design of non-standar monetary policy measures such as the ECB's enhanced credit support.

Credit Derivatives: Systemic Risks and Policy Options by John Kiff, Jennifer Elliott, Elias Kazarian, Jodi Scarlata, and Carolyne Spackman in IMF Working Paper , November 2009

Credit derivative markets are largely unregulated, but calls are increasingly being made for changes to this “hands off” stance, amidst concerns that they helped to fuel the current financial crisis, or that they could be a cause of the next one. The purpose of this paper is to address two basic questions: (i) do credit derivative markets increase ...  

The Crisis by Alan Greenspan in Brookings Papers on Economic Activity , April 2010

To prevent a future financial crisis, the primary imperative must be increased regulatory capital and liquidity requirements on banks and significant increases in collateral requirements for globally traded financial products, irrespective of the financial institutions making the trades, Greenspan says. He offers his views about regulatory reform,...  

Emerging from the Crisis: Where Do We Stand? by Ben S. Bernanke in Board of Governors Speech , November 2010

Speech by Federal Reserve Chairman at the Sixth European Central Bank Central Banking Conference, Frankfurt, Germany

The Fed at a Crossroads by James Bullard in Federal Reserve Bank of St. Louis Speech , March 2010

Remarks at St. Cloud State University's 48th annual Winter Institute

Fed Confronts Financial Crisis by Expanding Its Role as Lender of Last Resort by John V. Duca, Danielle DiMartino and Jessica J. Renier in Federal Reserve Bank of Dallas Economic Letter , February 2009

The unprecedented actions the Fed has taken to combat the financial crisis have had some success in unclogging the economy's financial arteries, according to this article.

Federal Reserve Liquidity Programs: An Update by Niel Willardson and LuAnne Pederson in The Region (Federal Reserve Bank of Minneapolis) , June 2010

A review of the size, status and results of the Fed's programs to cope with crisis

The Federal Reserve's Asset Purchase Program by Janet Yellen in Speech at the The Brimmer Policy Forum, Allied Social Science Associations Annual Meeting, Denver, Colorado , January 2011

Yellen discusses the rationale for the decision by the Federal Open Market Committee (FOMC) in November 2010 to initiate a new program of asset purchases, and addresses questions (FAQs) regarding the program's economic and financial effects both in the U.S. and abroad.

The Federal Reserve's Liquidity Facilities by William C. Dudley in Speech , April 2009

Remarks at the Vanderbilt University Conference on Financial Markets and Financial Policy Honoring Dewey Daane, Nashville, Tennessee

The Federal Reserve's Policy Actions during the Financial Crisis and Lessons for the Future by Donald L. Kohn in Board of Governors Speech , May 2010

Speech at the Carleton University, Ottawa, Canada

The Financial Crisis and the Recession: What is Happening and What the Government Should Do by Robert E. Hall and Susan E. Woodward

Woodward and Hall frequently update a document on the crisis and recession. The highlights of the document are: Low interest rates in the early part of the decade were responsible monetary policy to head off deflation, not an irresponsible contribution to a housing price bubble. The most important fact about the economy today is the collapse of s...  

The Financial Crisis of 2008: What Needs to Happen after TARP by Campbell R. Harvey in Duke University Working Paper , October 2008

Harvey argues that the Trouble Asset Relief Program (TARP), signed into law on October 3, 2008, is an insufficient policy initiative to end the current credit crisis. In addition to modifications in implementing the program, other policy initiatives are necessary. Harvey sets forth several proposals to help end the crisis.

Fiscal Responsibility and Global Rebalancing by Janet L. Yellen in Federal Reserve Board of Governors , December 2010

Speech by Federal Reserve System Board of Governors Vice Chair at the Committee for Economic Development 2010 International Counterparts Conference, New York, New York .

The Future of Securities Regulation by Luigi Zingales in University of Chicago Working Paper , January 2009

The U.S. system of securities law was designed more than 70 years ago to regain investors’ trust after a major financial crisis. Today we face a similar problem. But while in the 1930s the prevailing perception was that investors had been defrauded by offerings of dubious quality securities, in the new millennium, investors’ perception is that they...  

The High Cost of Exceptionally Low Rates by Thomas M. Hoenig in Federal Reserve Bank of Kansas City , June 2010

Speech at Bartlesville Federal Reserve Forum

Implementing a Macroprudential Approach to Supervision and Regulation by Ben S. Bernanke in Federal Reserve Board of Governors Speech , May 2011

Speech at the 47th Annual Conference on Bank Structure and Competition, Chicago, Illinois

Implications of the Financial Crisis for Economics by Ben S. Bernanke in Board of Governors Speech , September 2010

Speech at the Conference Co-sponsored by the Center for Economic Policy Studies and the Bendheim Center for Finance, Princeton University, Princeton, New Jersey

Implications of the Financial Crisis for Potential Growth: Past, Present, and Future by Charles Steindel in Federal Reserve Bank of New York Staff Reports , November 2009

The scale of the recent collapse in asset values and the magnitude of the recession suggest that activities connected to the increase in values over the 2002-07 period—notably, expansion of the financial markets, homebuilding, and real estate—were overstated. If this is true, aggregate U.S. economic growth would have been overstated, implying that ...  

Improving the International Monetary and Financial System by Janet L. Yellen in Speech at the Banque de France International Symposium, Paris, France , March 2011

In this speech Yellen contributes her thoughts on steps we can take to improve our international economic order. In the case of the recent global financial crisis and recession, she apportions responsibility to inadequacies in both the monetary and financial systems.

It's Greek to Me by Kevin Warsh in Board of Governors Speech , June 2010

At the Atlanta Rotary Club, Atlanta, Georgia

The Lack of an Empirical Rationale for a Revival of Discretionary Fiscal Policy by John B. Taylor in AEA Presentation Paper , January 2009

Despite this widespread agreement of a decade ago, there has recently been a dramatic revival of interest in discretionary fiscal policy. The purpose of this paper is to review the empirical evidence during the past decade and determine whether it calls for such a revival. Taylor finds that it does not.

The macroeconomics of financial crises: How risk premiums, liquidity traps and perfect traps affect policy options by Manfred Gärtner und Florian Jung in University of St. Gallen Discussion Paper , July 2009

The paper shows that structural models of the IS-LM and Mundell-Fleming variety have a lot to tell about the macroeconomics of the current global crisis. In addition to demonstrating how the emergence of risk premiums in money and capital markets may drive economies into recessions, it shows the following: (1) Liquidity traps may occur not only whe...  

Monetary Policy Research and the Financial Crisis: Strengths and Shortcomings by Donald L. Kohn in Speech, Board of Governors , October 2009

Kohn, in his speech, asks "What aspects of the existing literature in monetary economics have been particularly helpful in formulating the course of monetary policy since the onset of the financial crisis? Second, what are the gaps in this literature that have become particularly evident since the onset of the financial crisis and, therefore, would...  

Monetary Policy Stance: The View from Consumption Spending by William T. Gavin in Federal Reserve Bank of St. Louis Economic Synopses , October 2009

The author suggests that we should expect a third business cycle in succession in which the real federal funds rate reaches its trough well after the economy begins to recover

Mortgage Choice and the Pricing of Fixed-Rate and Adjustable-Rate Mortgages by John Krainer in Federal Reserve Bank of San Francisco Economic Letter , February 2010

In the United States throughout 2009, the share of adjustable-rate mortgages among total mortgage originations was very low, apparently reflecting the attractive pricing of fixed-rate mortgages relative to ARMs. Government policy could have changed the relative attractiveness of the fixed-rate mortgages and ARMs, thereby shifting the market share o...  

Negating the Inflation Potential of the Fed’s Lending Programs by Daniel L. Thornton in Federal Reserve Bank of St. Louis Economic Synopses , July 2009

The Term Auction Facility (TAF), instituted in December 2007, was the first in a series of Fed lending facilities designed to allocate credit (and thus liquidity) to certain institutions and markets. The most recent of these lending facilities is the Term Asset-Backed Securities Loan Facility (TALF), which began operation in March 2009. Initiall...  

The New Shape of the Economic and the Financial Governance in the EU by Olli Rehn in Institute of International Finance , October 2010

Keynote Speech by EU Economic & Monetary Affairs Commissioner at The Annual Meeting Institute of International Finance

On the Record with Bernanke in PBS NewsHour Forum , July 2009

At a forum in Kansas City, Mo., Federal Reserve Chairman Ben Bernanke discussed the central bank's actions in handling the economic crisis, saying he did not want to be the Fed chief who "presided over the second Great Depression." Here is the full transcript of the forum, which was moderated by Jim Lehrer.

Paradise Lost: Addressing ‘Too Big to Fail’ (With Reference to John Milton and Irving Kristol) by Richard W. FIsher in Remarks before the Cato Institute’s 27th Annual Monetary Conference , November 2009

"In the words of Milton, I would say that regulation should be designed to enable financial institutions to be 'sufficient to have stood, though free to fall.'"

A Plan for Addressing the Financial Crisis by Lucian A. Bebchuk in Harvard Law School Working Paper , September 2008

This paper critiques the proposed emergency legislation for spending $700 billion on purchasing financial firms’ troubled assets to address the 2008 financial crisis. It also puts forward an alternative for advancing the two goals of the proposed legislation – restoring stability to the financial markets and protecting taxpayers.

Preventing Future Crises by Noel Sacasa in International Monetary Fund: Finance and Development , December 2008

This article takes a look at substantive issues in the current debates on reforming the financial sector. The first section identifies crucial weaknesses that the reforms need to address, and the second outlines key areas for policy action.

The Public Policy Case for a Role for the Federal Reserve in Bank Supervision and Regulation by Ben S. Bernanke in Board of Governors , January 2010

The Board's views on the importance of the Federal Reserve's continued role in bank supervision and regulation. The document discusses (1) how the expertise and information that the Federal Reserve develops in the making of monetary policy enable it to make a unique contribution to an effective regulatory regime, especially in the context of a more...  

Rebalancing the Global Recovery by Ben S. Bernanke in Board of Governors , November 2010

Speech by the Federal Reserve Chairman at the Sixth European Central Bank Central Banking Conference, Frankfurt, Germany

Regulating Systemic Risk by Governor Daniel K. Tarullo in Speech at the 2011 Credit Markets Symposium, Charlotte, North Carolina , March 2011

This speech addresses the implementation of the new statutory regime for special supervision and regulation of financial institutions whose stress or failure could pose a risk to financial stability.

The Regulatory Response to the Financial Crisis: An Early Assessment by Jeffrey M. Lacker in The Institute for International Economic Policy and the International Monetary Fund Institute , May 2010

Assessment of the regulatory response to this crisis will depend predominantly on how well it clarifies and places discernable boundaries around the federal financial safety net.

Remarks on "The Squam Lake Report: Fixing the Financial System" by Ben S. Bernanke in Board of Governors Speech , June 2010

At the Squam Lake Conference, New York, New York

Report on the Lessons Learned from the Financial Ccrisis with Regard to the Functioning of European Financial Market Infrastructures by European Central Bank in European Central Bank , April 2010

This report considers issues relating to the impact of the financial crisis on the functioning of European financial market infrastructures (FMIs), including systemically important payment systems, central counter parties, and securities settlement systems.

Second Chances: Subprime Mortgage Modification and Re-Default by Andrew Haughwout, Ebiere Okah, and Joseph Tracy in Federal Reserve Bank of New York Staff Reports , December 2009

Mortgage modifications have become an important component of public interventions designed to reduce foreclosures. In this paper, we examine how the structure of a mortgage modification affects the likelihood of the modified mortgage re-defaulting over the next year. Using data on subprime modifications that precede the government’s Home Affordable...  

Securitization Markets and Central Banking: An Evaluation of the Term Asset-Backed Securities Loan Facility by Sean Campbell, Daniel Covitz, William Nelson, and Karen Pence in Finance & Economic Discussion Series, #2011-16 , January 2011

This working paper studies the effects of the Term Asset-Backed Securities Loan Facility and finds that it lowered interest rate spreads for some categories of asset-backed securities but had little impact on the pricing of individual securities.

Seeking Stability: What's Next for Banking Regulation? by Simona E. Cociuba in Federal Reserve Bank of Dallas Economic Letter , April 2009

Cociuba reviews the Basel I regulatory framework, and then considers some of the improvements and shortcomings of Basel II. Cociuba then presents the example of Northern Rock to illustrate the shortcomings of Basel I, before considering what the future of bank regulation should look like.

Still More Lessons from the Crisis by William C. Dudley in Federal Reserve Bank of New York Speech , December 2009

Remarks at the Columbia University World Leaders Forum, New York, New York

The Success of the CPFF? by Richard G. Anderson in Federal Reserve Bank of St. Louis Economic Synopses , April 2009

Describes the Commercial Paper Funding Facility and its effect on the availability of commercial credit.

Uncertainty About When the Fed Will Raise Interest Rates by Michael W. McCracken in Federal Reserve Bank of St. Louis Economic Synopses , June 2009

In response to the current economic crisis, the Federal Reserve has reduced its federal funds rate (FFR) target to zero. With the FFR at zero and a negative rate practically infeasible, the Fed is now in largely uncharted territory when conducting monetary policy. Other types of policies are now the focus of attention.

What's Under the TARP? by Craig P. Aubuchon in Federal Reserve Bank of St. Louis Economic Synopses , April 2009

This article provides an outline of the TARP plan and the Financial Stability Plan.

Will Regulatory Reform Prevent Future Crises? by James Bullard in Federal Reserve Bank of St. Louis Speech , February 2010

Remarks at CFA Virginia Society, Richmond, Virginia

Will the U.S. Bank Recapitalization Succeed? Lessons from Japan by Takeo Hoshi and Anil K. Kashyap in NBER Working Paper , December 2008

The U.S. government is using a variety of tools to try to rehabilitate the U.S. banking industry. The two principal policy levers discussed so far are employing asset managers to buy toxic real estate securities and making bank equity purchases. Japan used both of these strategies to combat its banking problems. There are also a surprising number o...  

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Top 140 Finance Research Paper Topics

Why finance topics? The search for interesting finance topics is a constant one. Of course, this is understandable because knowledge of hot topics in finance puts you ahead of the game. Students or researchers who major in business will, at one point or the other in their careers, make presentations, and submit research papers, essays,or help with dissertation or projects. With the headache of writing these papers aside, the challenge of picking finance topics always looms around. We have, therefore, carried out extensive research to present you with these 30 finance topics that will make your paper worth reading! When in doubt, this list of finance topics will surely come in handy to shed some light on that darkness!

Finding Excellent Topics in Finance

We offer you 30 researchable topics in finance. But why should we only catch fish for you if we can teach you how to fish too? The need to find unique topics in finance is on the increase. Here are some excellent tips that will help you choose appropriate finance topics:

• Find out unanswered questions from previous research works or develop on areas that require additional study.
• Read several theses to form ideas.
• Check economics topics . They may be more general but you can narrow down some of them.
• Search online for related topics that are unique, or make them unique to suit your purpose.
• Discuss your chosen topic with other students or people who have experience writing dissertations asking for their input.

Research Topics In Finance

In financial research, unique topics are pivotal to the overall success of the study. The reason for this is simple. Now put yourself in the shoes of professors who have read hundreds of theses and essays. They already know common topics that students like to write or work on. A hot research topic in finance will surely catch the attention of your professor and will likely earn you better grades. Writing finance research papers becomes much easier when you have superb finance research topics.

Here is a finance research topics list that will spark people’s interest in your research work and make your finance research paper worth reading! Ready for these research topics in finance? Read on!

• Merger and Acquisition: An Analytical Study of the Benefits and Set-backs.
• Capital Asset Pricing Model: Possible Solutions to its Inadequacies.
• Global Financial Crisis: A Critical Study of the Role of Auditors and Stakeholders.
• The Impact of Manipulating the Commodity Market on Future Commerce.
• Continuous-time Models: An exhaustive Comparative Analysis of its Application in Divers financial Environments.
• How Speculations Undermine the Stability of Banking in Asian Markets.
• Branding: Its Effect on Consumer Behavior.
• An effective strategy for managing inventory and controlling your budget.
• An analytical report on the various investments in tax-saving products.
• Using a systematic investment strategy to build stability for retail investments.
• How income tax is planned and implemented in India’s economy.
• A detailed analysis of how the Indian banking system operates.
• How does multi-level marketing work in different economies around the world?
• A detailed report on electronic payment and how it can be improved.
• A case study regarding senior citizen investment portfolios.
• Are there potential risks and rewards when comparing savings to investments?
• Is ratio analysis an effective component of financial statement analysis?
• How the Indian economy functions with its current banking operations.

Finance Research Topics For MBA

Here are some great finance research topics you can use toward your MBA. It’s sure to intrigue your professor and get you to look at finance from a different perspective.

• Investment analysis of a company of your choice.
• A detailed report on working capital management.
• Financial plans and considerations for saving taxes and salaried employees.
• A detailed analysis of the cost and costing models of the company of your choice.
• The awareness of investments in financial assets and equity trading preference with financial intermediaries.
• The perspective of investors and their involvement with life insurance investments.
• A detailed analysis of the perception of mutual fund investors.
• The comparative study between UIL and the traditional products.
• A detailed report on how the ABC company manages cash.

Corporate Risk Management Topics

These are some key topics you can use relating to corporate risk management.

• A detailed report on the fundamentals of corporate risk management.
• The analytical concepts relating to effective corporate and financial management within a company.
• How does corporate risk management affect the financial market and its products?
• What are risk models and how are they evaluated?
• How is market risk effectively measured and managed in today’s economy?
• How can a company be vigilant of potential credit risks they can face?
• What are the differences between operational and integrated risks in the corporate world?
• Is liquidity an effective strategy to lower financial risk to a company?
• How risk management can connect with and benefit investment management.
• The current issues that are affecting the modern marketplace and the financial risks they bring.

Healthcare Finance Research Topics

These are some key topics you can use relating to healthcare finance research.

• Is it better for the government to pay for an individual’s healthcare?
• The origins of healthcare finance.
• An analysis of Canada and their healthcare finance system.
• Is healthcare financing a right or a privilege?
• The changing policies of healthcare in the U.S.
• Can healthcare be improved in first-world countries?
• Can the healthcare system be improved or remade?
• How much influence does the government have on healthcare in a country?
• The impact of growing global health spending.
• Is free healthcare achievable worldwide?

Corporate Finance Topics

Corporate finance deals with processes such as financing, structuring of capital, and making investment decisions. It seeks to maximize shareholder value by implementing diverse strategies in long and short-term financial planning.

Corporate finance research topics broadly cover areas like tools for risk management, trend research in advanced finance, physical and electronic techniques in securities markets, research trends in advance finance, investment analysis, and management of government debt. The following corporate finance topics will surely minimize any risk of mistakes!

• Using the Bootstrapped Interest Rates to Price Corporate Debt Capital Market Instruments.
• Corporate Organizations: The Impact of Audit Independence on Accountability and Transparency.
• Buybacks: A Critical Analysis of how Firms can Buy Back at Optimal Prices.
• Merge and Acquisitions: Reasons why Firms still Overpay for bad Acquisitions.
• Corporate Finance: Ethical Concerns and Possible Solutions.
• Understanding the investment patterns relative to smaller and medium-capitalization businesses.
• A detailed analysis of the different streams of investment relating to mutual funds.
• Equity investors and how they manage their portfolios and perception of potential risks.
• How does investor preference operate in the commodity market in Karvy Stock Broking Limited?
• An analysis of the performance of mutual funds in the public and private sectors.
• Understanding how Videcon manages its working capital.
• The Visa Port trust and how it conducts ratio analysis.
• How the gold monetization scheme has affected the Indian economy and banking operations.
• How does SWIFT work and what are the potential risks and rewards?
• A detailed analysis of the FMC and SEBI merger.

Business Finance Topics

Every decision made in a business has financial implications. It is, therefore, essential that business people have a fundamental understanding of finance. To show your knowledge, you must be able to write articles on finance topics in areas such as financial analysis, valuation, management, etc. Here are some juicy business finance topics!

• Application of Business Finance: Its importance to the Business Sector.
• The Importance of Business Finance in the Establishment of Business Enterprises.
• Modernization of Business: Roles of Business Finance in Business Modernization.
• A detailed study on providing financial aid to self-help groups and projects.
• Is tax an effective incentive for selling life insurance to the public?
• Understanding how the performance of mutual funds can change within the private and public sectors.
• Is there a preference for different investment options from financial classes?
• A detailed analysis of retail investors and their preferences and choices.
• A study on investors and their perspective on investing in private insurance companies.
• How analyzing financial statements can assess a business’s performance.
• Increasing the accountability of corporate entities.
• Ethical concerns connected to business finance and how they can be managed.
• The level of tax paid by small to medium businesses.

International Finance Topics

As the world is now a global village, business transactions occur all around the world. No more are we limited to local trade, and this is why the study of international is essential and relevant. Here are some international finance topics that will suit your research purpose!

• Stock Exchange: How Important are the Functions of a Bank Office?
• Global Economic Crises: Possible Precautions to prevent Global Financial crisis.
• Bond Rating: the Effect of Changes on the Price of Stocks.
• How the Banking Industry can Decrease the Impact of Financial Crisis.
• Is it possible for a country to budget funds for healthcare for the homeless?
• The negative impact of private healthcare payments on impoverished communities.
• What sectors in healthcare require more funding at the moment?
• The dilemma of unequal access to adequate healthcare in third world countries.
• Can cancer treatment be more inexpensive to the public?
• The problem with the high pricing of medication in the U.S.
• Is there a better way to establish healthcare financing in the U.S?
• What are the benefits of healthcare finance systems in Canada and the UK?
• How can third-world countries improve their healthcare systems without hurting their economy?
• Is financing research a priority in healthcare and medicine?
• Does free healthcare hurt the tax system of a country?
• Why is free and privatized healthcare present in different economies?
• How does government funding affect healthcare finance systems?
• How do patient management systems work?
• Where does affordable healthcare financing fit in growing economies?
• The economic impact of COVID-19 in various countries.
• The healthcare policies of the Serbian government.

Finance Research Paper Ideas

Writing a research paper requires an independent investigation of a chosen subject and the analysis of the remarkable outcomes of that research. A finance researcher will, therefore, need to have enough finance research paper topics from which to choose at his fingertip. Carefully selecting a finance thesis topic out of the many finance research papers topics will require some skill. Here are some exciting finance paper topics!

• Behavioral Finance versus Traditional Finance: Differences and Similarities.
• Budgetary Controls: The Impact of this Control on Organizational performance.
• Electronic Banking: The Effect of e-Banking on Consumer Satisfaction.
• Credit and Bad Debts: Novel Techniques of management in commercial Banks.
• Loan Default: A Critical Assessment of the Impact of Loan Defaults on the Profitability of Banks.
• A detailed analysis of the best risk management methods used in the manufacturing industry.
• Identifying and measuring financial risks in a derivative marketplace.
• Exploring the potential risks that can occur in the banking sector and how they can be avoided.
• The risks that online transactions bring.
• What are the methods used to ensure quantitive risk management is achieved?
• A better understanding of policy evaluation and asset management.
• What makes traditional finance so different from behavioral?
• The significance of budgetary control in a corporate organization.
• How do loans benefit the profitability of banks?
• How do commercial banks assist their clients that are in bad debt?
• The various considerations we need to be aware of before making investment decisions.

Personal Finance Topics

Personal finance covers the aspects of managing your money, including saving and investing. It comprises aspects such as investments, retirement planning, budgeting, estate planning, mortgages, banking, tax, and insurance. Researching in this area will surely be of direct impact on the quality of living. Here are some great personal finance topics that are eager to have you work on them!

• Evaluation of Possible Methods of Saving while on a Budget.
• The Effect of Increase in Interest Rate and Inflation on Personal Finance.
• Benefits of Working from Home to both Employers and Employees.
• Will dental services be considered an essential medical service soon?
• Is affordable or free healthcare a right that everyone should be entitled to?
• The best ways to save money while on a tight budget.
• What happens to personal finance when inflation and interest rates rise?
• The financial benefits of working from home.
• Does innovations in personal finance act as an incentive for households to take risks?
• A detailed analysis of credit scores.
• The importance of credit and vehicle loans.
• A detailed analysis of employee benefits and what should be considered.
• The effect of tax on making certain financial decisions.
• The best ways to manage your credit.
• The difficulties that come with mobile banking.

Finance Topics For Presentation

Sometimes, you may need to present a topic in a seminar. The idea is that you can whet the appetite of your audience with the highlights of your subject matter. Choosing these finance seminar topics requires a slightly different approach in that you must be thoroughly familiar with that topic before giving the presentation. Interesting and easy-to-grasp finance topics are, therefore, necessary for presentations. Here are some topic examples that fit perfectly into this category.

• Analysis of the Year-over-Year Trend.
• Maximizing Pension Using Life Insurance.
• The Architecture of the Global Financial System.
• Non-communicable diseases and the burden they have on economies.
• Is there a connection between a country’s population and its healthcare budget?
• The spending capability of medical innovations in a third-world economy.
• The long-term effects of healthcare finance systems in the U.S.
• A detailed analysis of pharmaceutical marketing in eastern Europe.
• Understanding the reduction in medical expenses in Greece.
• Private payment for healthcare in Bulgaria.
• A complete change in healthcare policy worldwide. Is it necessary?
• The significance of electronic banking on the public.
• The evolution of banking and its operations.

So here we are! Surely, with this essay on finance topics that you have read, you’ll need only a few minutes to decide your topic and plunge into proper research! If you need professional help, don’t hesitate to contact our economics thesis writers .

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127 Financial Crisis Essay Topics & Research Paper Ideas

Are you looking for a topic for your financial crisis essay? On this page, you’ll find many interesting financial essay topics and questions about a crisis. These titles are concerned mainly with business, international, and public financial crises rather than personal ones. Feel free to use our financial crisis research paper topics for your case studies, argumentative essays, and other assignments!

🏆 Best Finance Essay Topics about Crisis

👍 good financial crisis research topics & essay examples, 🎓 most interesting crisis topics for essays on finance, 💡 simple financial crisis essay ideas, 💰 2008 financial crisis essay topics, 💸 economic crisis essay topics.

• The Financial Crisis in the USA in 2007 At the beginning of the recession in 2007, USA has passed an inflexible economic phase that already has an impact on global economy.
• The Greek Financial Crisis Resolving The article “So, We Meet Again: The Greek Crisis” emphasizes the core issues that the European Union [EU] is considering in determining how to resolve the Greek financial crisis.
• Obama’s Economic Policy and Financial Crisis There were significant expectations laid on the new president after the election. The economic situation Obama had to face when becoming the president was a true disaster.
• The Financial Crisis of 2008: Problem and Causes The financial crisis of 2008 had influenced the well-being and prosperity of many countries in a negative way. In the paper, hypotheses concerning the causes of the crisis will be evaluated.
• 2008 Financial Crisis: Effects and Countermeasures In 2008, the global financial crisis took place. It had started with the financial meltdown in the US financial markets.
• Major British Banking Group and Financial Crisis The purpose of this study is the assess the extent to which financial crisis in the United States of America contributed to the liquidity crash in the Major British banking group.
• Risk Management During Financial Crisis in the US The study covers the classification of risks and aspects of risk management. It studies cases of failures in Lehman Brothers and 2007/2008 subprime financing.
• The Evolution of Financial Crisis The modern world faces numerous problems that could not but impact the state of finances and economy of various countries.

• 2008 Financial Crisis Governmental Decision Making The problem in leadership and effective decision-making revealed by the financial crisis of 2008 was the lack of system in the short-term reactions of the government.
• Housing Bubble and the Financial Crisis of 2008-09 This paper overviews the mechanics of the ‘Housing Bubble’ and explains why this crisis is best described as having been deliberately triggered by bankers.
• The Global Financial Crisis and Its Indicators The paper has outlined indicators of economic and financial crises and discussed global policy and regulatory responses to the global financial crisis of 2008-2009.
• Global Financial Crisis and Banking System in Australia The recent global financial crisis affected almost all banks in the world with very few banks shielded from this misfortune.
• 2007 Financial Crisis and Executive Handling The Financial Crisis of 2007-2008 is the worst crisis of the last years. This work analyzes the executive handling strategy of a crisis to determine whether it is efficient or not.
• The Museum of Contemporary Art in Los Angeles: The Financial Crisis of 2008 The economic downturn of 2008 forced MOCA to transform its institutional roles, typology, exhibition approaches, and planning and implement a suitable managerial structure to achieve its future goals.
• The Big Short: Analysis of the Financial Crisis of 2008 The discussion uses the documentary “The Big Short” to give a detailed analysis of the financial crisis of 2008 and the issues associated with it.
• How Financial Crisis Affected Supply Chain Organization? The prevailing economic crisis that has affected the entire globe has altered the way in which various organizations views capital investment and cash.
• Exchange Control and the Asian Financial Crisis There are many ways to combat Asian crisis aside from using exchange control. Singapore was able to show that timely adjustments in policies allowed them to remain competitive.
• Euro and the Global Financial Crisis The crisis has already affected economies, with a large number of them having negative economic growth. There is hope that recovery will be attained.
• “The Causes and Current State of the Financial Crisis” by Zindi The article “The Causes and Current state of the Financial Crisis” aims to examine the economic effect of the fiscal crisis that had been there for about three months ago.
• Types and Causes of Financial Crisis A financial crisis refers to a situation where assets of financial institutions keep on reducing on their value.
• Post-Global Financial Crisis Companies’ Strategies This paper advances proposals that companies should exert to change their strategies regarding bonds, fixed income, and leveraged securities, given the Global Financial Crisis.
• Financial Discourse Under Financial Crisis 2007-2008 This paper studies financial columnists’ writing under the 2007-08 economic crash from world-leader newspapers such as Wall-Street-Journal, National-Post, and New-York-Times.
• Causes of 2008 Financial Crisis in Sony Documentary, “Inside Job” One of the impacts of the 2007-2008 financial crisis was job loss. Many employees of the companies that had to shut down were laid off or their income was reduced.
• The Financial Crisis and Its Connection With Globalization This essay examines two audio interviews that raise the issue of globalization and its impact on the economic security and policies of international banks.
• Financial Crisis: Mortgage Lender’s Perspective This paper aims to consider the ethical decisions and problems faced by mortgage lenders such as Rebecca Steele.
• 1929-1931 Financial Crisis and 2007-2010 Financial Crisis Comparison The key players in the 1929-1931 financial crisis and 2007-2010 financial crisis are almost the same: the financial institutions and stock markets.
• Global Financial Crisis in the U.S. The years of the global economic crisis affected one-fifth of all U.S. banks, every third worker was denied employment.
• Financial Crisis in Russia in the 1990s and Lessons for Today The financial crisis in Russia which occurred in the 1990s was not only a blow to Russians themselves but also to other major economies.
• Global Financial Crisis: Organizational Behaviour and Analysis Reports on the global financial crisis seem to associate psychopathic leadership with the financial losses experienced by firms during the world economic crunch.
• Financial Institution in the Financial Crisis of 2008 One of the major crises that have significantly affected many economies of the world severely was that of 2008. The average level of the global GDP fell significantly.
• The Dodd-Frank Act. Avoiding Financial Crisis This paperwork looks into the Dodd-Frank Act to establish the essentials of a legal reform law which need to be taken care of to avoid financial crisis.
• Global Financial Crisis and Market Efficiency Among the lessons are the limitations to the efficient market hypothesis, which, according to Ball, is silent on the supply side of the information market.
• Financial Crisis: Beyond 1929 – 2008 Comparison The lack of stability and proper management of financial institutions and financial markets have contributed to the rise of financial crisis in the world today.
• Global Financial Crisis of 2008-2009 Assignment The global financial crisis of 2008-2009 was triggered in the US as a result of the bursting of the US housing bubble.
• The Financial Crisis: The USA in 2007 The financial crisis, which emanated from the USA in 2007, has had profound effects around the world. It is providing new insights into the way financial markets are integrated.
• Public Private Partnership After Global Financial Crisis One of the principles of PPPs is to have the public sector gain access to private sector resources. The resources are in the form of expertise and finance.
• Financial Crisis of 2008 in the U.S. – Meltdown As demand for the subprime mortgages outstripped the supply, Wall Street players continued to inflate the prices of the securities that supported the mortgages.
• Banking Regulations Undermining Financial Crisis Traces of financial crisis and negative externalities have been present across the banking sector for the last several decades.
• Financial Crisis and Great Recession: Why Keynesian Model Failed The paper states that while Keynesian economics was based on a dubious premise, to begin with, its mismanaged implementation exacerbated the outcomes.
• 2020-2021 Financial Crisis vs. 2007-2008 Market Crash The 2020-2021 financial crisis due to COVID-19 significantly differed from the 2009 Great Recession. The causes and nature of the crises were different.
• 2018 Global Financial Crisis: Causes and Effects Deregulation in the financial sector was the primary driver of the 2008 financial crisis because it gave banks the power to fund trading activities with derivatives.
• Lebanon’s Financial Crisis and Governmental Measures Lebanon is known to be facing a financial crisis that continues to worsen. Unemployment, as well as poverty rates, have rocketed, and the currency has devalued substantially.
• Predicting Financial Crisis of 2008 Even though numerous countries and separate businesses were caught by surprise by the emerging problems, many experts state that the crisis could be predicted.
• General Electric Capital and the 2008 Financial Crisis General Electric Capital invested heavily in the real estate and mortgages industry, resulting in massive losses during the 2008 financial crisis.
• Certified Public Accountants and the 2008 Financial Crisis There was a global financial crisis in 2007-2008 that affected most countries and changed international monetary relations.
• Dynamic Complexity and 2008 Financial Crisis Even though many claimed that they knew the triggers of the 2008 financial crisis, they failed to recognize the role dynamic complexity played in the event.
• Analysis of the 2008 Financial Crisis The 2008 crisis is a product of its time, an unprecedented housing boom and cash flows from emerging to developed economies.
• Factors Generating and Transmitting the Us Financial Crisis
• Complexity and Bank Risk During the Financial Crisis
• Credit Insurance During the Financial Crisis
• Bank Stock and Option Transmissions in Financial Crisis
• Bulgaria From Enterprise Indiscipline to Financial Crisis
• Current Global Financial Crisis and Islamic Financial System
• Constructing Forecast Confidence Bands During the Financial Crisis
• European Financial Crisis and Bank Productivity: Evidence From Eastern European Countries
• American Option Pricing Under Financial Crisis
• 1997 Asian Financial Crisis and China
• China’s Financial Linkages With Asia and the Global Financial Crisis
• Brazil and the 2008 Global Financial Crisis
• Elections, Special Interests, and the Fiscal Costs of Financial Crisis
• European Integration and Financial Crisis: Causes, Implications, and Policy Directions
• Asset Markets Contagion During the Global Financial Crisis
• Corporate Governance and Financial Crisis in the Long Run
• Australia and the Financial Crisis
• Bank Performance and the Financial Crisis: Evidence From Kazakhstan
• Causes and Remedies for a Global Financial Crisis
• Asian Financial Crisis and Korean Trade Dynamics
• Bank Market Power and Lending During the Global Financial Crisis
• Cross-Border Capital Flows Since the Global Financial Crisis
• Confronting Emergency Financial Crisis
• ECB Policy Making and the Financial Crisis
• Bank Performance During the Financial Crisis 2007-2010
• Consumption Behaviour and Financial Crisis in the Netherlands
• Asia: China’s Policy Responses to the Global Financial Crisis
• Cross-Border Bank Lending, Risk Aversion, and the Financial Crisis
• Banking Reforms After the Global Financial Crisis of 2008
• Bank CEO Incentives and the Global Financial Crisis
• American Financial Crisis and Its Impact on Mexican Economy
• Dividends and Bank Capital in the Financial Crisis of 2007-2009
• Employment and the Financial Crisis: Evidence From Tajikistan
• Bank Regulation and Supervision Ten Years After the Global Financial Crisis
• Federal Reserve and Financial Crisis
• Credit Default Swaps and Their Role in Global Financial Crisis
• Bank Dependence and Investment During the Financial Crisis
• Efficient Market Hypothesis and Financial Crisis
• American and European Financial Crisis of 2008
• Bank Valuation and Accounting Discretion During a Financial Crisis
• Audit Quality During the Global Financial Crisis: The Investors’ Perspective
• Credit Rating Agencies Role in Financial Crisis
• China, Japan, and the Us Stock Markets and the Global Financial Crisis
• Explaining Irish Inflation During the Financial Crisis
• Factors That Influenced the Global Financial Crisis of 2008
• Corporate Governance Lessons From the Financial Crisis
• Credit Distortion and Financial Crisis
• Bank Capital and Exposure to the Financial Crisis
• Bankers’ Stock Options, Risk-Taking, and the Financial Crisis
• Equity Markets’ Clustering and the Global Financial Crisis
• 1997 Financial Crisis South Korea
• Bank Lending During the Financial Crisis of 2008
• Asian Financial Crisis and Exchange Rate Pass-Through in Korea
• Capital Controls and Recovery From the Financial Crisis of the 1930s
• Debt Maturity Structure and the 1997 Asian Financial Crisis
• Community Bank Lending During the Financial Crisis
• England’s Rental Market Influenced by Financial Crisis
• Argentina One Year On: From a Monetary Crisis to a Financial Crisis
• Brazil: The First Financial Crisis of 1999
• Factors That Caused the 1997 East Asian Financial Crisis
• Factors that contributed to the 2008 financial crisis.
• The role of risky lending practices in the 2008 crisis.
• The collapse of Lehman Brothers: lessons learned.
• The effectiveness of bailouts and stimulus packages in coping with the 2008 crisis.
• The failures and reforms of rating agencies related to the 2008 crisis.
• The weakened financial oversight as a factor contributing to the 2008 crisis.
• Comparing different countries’ approaches to managing the 2008 financial crisis.
• Moral issues in the financial industry exposed by the 2008 crisis.
• The effects of the 2008 financial crisis on average Americans.
• The role of central banks in mitigating the 2008 crisis.
• The dot-com bubble burst: the rise and fall of the technology sector.
• The 1970s oil price shock: causes and policy responses.
• Currency crises: the role of speculative attacks and exchange rate movements.
• Analysis of currency devaluation and hyperinflation in the Argentine economic crisis.
• The role of financial speculations in economic crises.
• The financial crisis in Greece: causes and austerity measures.
• A comparison of the dot-com bubble and the cryptocurrency bubble.
• The effects of economic crises on social welfare.
• Monetary policy measures to prevent financial crises.
• How does income inequality contribute to economic instability?
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These essay examples and topics on Financial Crisis were carefully selected by the StudyCorgi editorial team. They meet our highest standards in terms of grammar, punctuation, style, and fact accuracy. Please ensure you properly reference the materials if you’re using them to write your assignment.

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Home » Blog » Dissertation » Topics » Finance » Finance Dissertation Topics Examples List (37 Ideas) For Research Students

Finance Dissertation Topics Examples List (37 Ideas) For Research Students

Mark May 29, 2017 Jun 5, 2020 Finance No Comments

Before giving away a list of finance dissertation topics examples, let me give you a brief overview of what is finance. Finance can be described as the study of investments. It is a combination of two interrelated activities – how money is handled and the process of obtaining the funds required. In a brief way, […]

Before giving away a list of finance dissertation topics examples, let me give you a brief overview of what is finance.

Finance can be described as the study of investments. It is a combination of two interrelated activities - how money is handled and the process of obtaining the funds required. In a brief way, you can call it the science of money management. To operate smoothly, individuals, companies, and the government units are needed to have funds. To acquire that fund, the financial institution estimates the price of assets based on risk level involved along with the expected rate of return.

Also check our corporate finance topics post for more options.

Finance Dissertation Topics Selection Areas

Students pursuing MBA with finance as major usually find it difficult to choose dissertation topics for MBA finance. Finance is a vast field and can be attached with banking and accounting as major subjects. That is why; students also search for dissertation topics in banking and finance and dissertation topics for accounting and finance. There are so many areas you can explore to create topics for your finance dissertation. We have generated a list of areas you can choose to make some good finance dissertation topics. The list follows;

• Financial Management
• Global Finance
• Foreign Direct Investment
• Investment Banking
• Privatisation
• Corporate Strategy
• Risk Management
• Finance Portfolios
• Share Prices
• Capital Investment
• Financial Planning
• Microfinance
• Financial Crisis
• Banking Industry

Finance Dissertation Topics Examples List

Either you are an undergraduate student, doing your MBA, or about to start your PhD; following finance dissertation topics examples can help you to make your own dissertation topic on finance.

Cognitive moral development theory and moral maturity of accounting and finance professionals.

Cooperation and opportunism in venture capital financed companies.

Gender and development through western eyes: an analysis of microfinance as the west's solution to third world women, poverty, and neoliberalism.

A multi-factor quadratic stochastic volatility model with applications in finance and insurance.

A quantitative study describing the impact of innovation-related investment and management performance on corporate financial returns.

American venture capital in a Post-American world: the role of firm resources and capabilities in U.S. Cross-border venture capital investment.

Approaches to efficient investment in nonpoint source pollution management -- a municipal perspective.

Asset levels of service-based decision support system for municipal infrastructure investment.

Bank community development corporation investments in community economic development.

Barriers to credit and investment to minority business entrepreneurs: an investigation in the Rockford, Illinois, metropolitan statistical area.

Exploring opportunities and obstacles for foreign direct investment in Pakistan's energy sector.

The impact of Saudi economic reform on FDI (foreign direct investment).

Effects of foreign direct investment on economic growth: a case study of Nigeria.

Can microfinance institutions reach the poorest of the poor and accomplish financial sustainability at the same time?

Access to finance for SMEs in the UK: how do SMEs meet their needs for finance at the start-up stage and beyond, given their exclusion from the capital markets?

Using Derivatives for Hedging and Increasing Firms’ Value.

Identifying and Quantifying High Probability Trading Strategies in the Foreign Exchange: Key Success Factors.

Optimizing the Supply Chain Finance in Banking for Increasing the Efficiency.

Advantages and Risks Associated with Portfolio Optimization: A Case Study of United Kingdom.

The Relationship Between Investor’s Sentiment and Stock Volatility: A Case Study of China and USA.

The Concept and Outcome of Management Audit.

Effect of Financial Crisis on the Real Estate in Dubai.

Effect of Financial Crisis on the Sustainability of Home Ownership In U.K.

Do Muslims in U.K Prefer Islamic Banking Over Non-Islamic Banking?

Impact of Trade Tariffs Imposed by European Union (Foreign Economies) on Pakistan's Agriculture Exports.

Rationales for FDI and the Role of FDI in Enhancing Development in Third World Countries.

Financial Risks Faced by a Business in Modern Business Environment.

Determinants of Capital Structure and Dividend Policy.

Microfinance in the Developing Country: The Awareness and the Impacts of its Financial Services to the Low Income Group – A Case Study of Malaysia.

Advantages and Risks Linked with Portfolio Maximization.

Insurable Interest as a Requirement for the Insurance Contracts.

Influence of Industry and Firm Characteristics on the Capital Structure of Small Medium Enterprises: A Case Study of Hong Kong.

Impact of BREXIT on the Foreign Investment of United Kingdom.

Maximizing the Supply Chain Finance in Banking for Increasing the Efficiency.

Analysis of Asymmetric Information and Market Interest.

Effect of Capital Structure on the Stock Returns in the Petrochemical Industry: A Strategic Approach.

Can't find any of the above-stated topics interesting? No problem, we don't want you to leave our website empty-handed. If you have finance dissertation titles in mind and want someone to help you modify or unable to think of a topic of your interest at all, let us help you with it with our topic consultation service.

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280 Excellent Financal Dissertation Topics for Students

Table of Contents

Generally, while pursuing a degree program in finance, you must mandatorily submit a well-researched dissertation on any finance topic at the end of the final semester to obtain graduation. But it is not an easy task to compose a financial dissertation because it requires more subject knowledge and good research experience. Moreover, an excellent finance dissertation topic is needed the most to prepare it. If you are confused about what topic to choose for your finance dissertation, take a look at this blog. Here, we have compiled a list of the best 250+ financial dissertation topics. In addition to that, we have also shared about finance dissertation writing and topic selection.

Before jumping to the list of ideas, first, let us have a quick overview of the finance dissertation.

What is a Finance Dissertation?

Finance is a vast field of study that deals with investments. In simple terms, the subject focuses on the process of obtaining money and the effective ways to handle money. As the name implies, a finance dissertation is a type of academic document written on a certain topic or subtopic that is related to finance. Most importantly, it requires substantial research to compose it. The finance dissertation can be written on anything about the stock market, banking, healthcare finance, risk management, or any other topic.

Also, Read – How Long is a Dissertation?

Tips to Find a Good Financial Dissertation Topic

Generally, the students experience the toughest time while selecting their financial dissertation topics as they ought to write exemplary papers. Mostly, the students examine both online and offline sources as they might want to choose credible topics. Also, if they look for easy topics, it gets more difficult, because students have already used it several times. Yet, you may read the below-mentioned conditions and identify unique financial dissertation topics to score good grades.

• Read exemplary financial dissertations and identify areas that might require further research.
• You may visit libraries and read multiple theses to accumulate ideas for your finance dissertation.
• Call a writing agency and seek the help of experienced dissertation writers.
• You may seek help in blogs and writing forums. Perhaps, people will advise you if you request assistance.
• Search for topics online, modify them to make them unique, and then only use them for your research.
• Communicate with the other students who have already selected their topics. Also, ask them about the ideas that came to your mind, before you agreed upon a topic.

Financial Dissertation Writing Tips

Once, you have selected your financial dissertation topics, perhaps you will decide how to write on your topics. Let’s explore a few conditions that might help you write outstanding financial dissertation topics.

• Simply, you might need to narrow down the financial dissertation topic to a particular niche. Also, you need to concentrate on one area, either microfinance, macro-finance, or Internet banking.
• Since finance is a field that requires a lot of statistics, you ought to adhere to it logically. Hence, consider verifying facts and figures through credible sources, before you use them in your dissertation.
• Meanwhile, you need to write your finance paper concisely and avoid making it like a long narrative tale.
• Furthermore, you ought to organize your financial dissertation neatly and use numerals, charts, and data in appropriate places.
• Finally, avoid using jargon as this might confuse normal readers. Also, if you use technical words, consider illustrating them through good examples.

Steps for Writing a Well-Structured Financial Dissertation

Whenever you are asked to write a finance dissertation, make sure to follow the below-listed steps sequentially.

• Firstly, choose an ideal finance dissertation topic of your choice.
• Secondly, get approval for your topic from your supervisor.
• Thirdly, to prove the importance of your topic, choose an appropriate research method.
• Fourthly, from the relevant sources, gather the necessary data.
• Following that, perform in-depth research and derive the results.
• Next, create a financial dissertation outline.
• After that, as per your university guidelines, prepare a well-researched financial dissertation by including the essential sections such as the introduction, literature review, methodology, data analysis, and conclusion.
• Finally, before submission, proofread and edit. Note the final draft should be error-free and non-plagiarized.

Also, See – Best Media Dissertation Topics You Must Consider To Research

List of Financial Dissertation Topics and Ideas

For your convenience, here, we have shared a list of outstanding financial dissertation topics and ideas. Go through them all and pick any research topic that matches your interest and university rules. Make sure the topic you choose is convenient for you to research and write about.

Easy Financial Dissertation Topics

• Pakistan’s energy sector- Threats and Opportunities.
• Role of the micro-finance companies in helping the poor people.
• Private equity investment in the European Union- Advantages and disadvantages.
• The financial crisis of 2007- Critically analyze and state if it could be avoided or not.
• Explain the financial advancement in Asia and Europe- A comparative analysis.
• How do banks oppose digital currency so aggressively?
• Cryptocurrency- Is it possible to demonetize the whole world?
• Digital banking issues experienced by older people.
• Role of financial institutions in sponsoring terrorism unknowingly.
• Discuss how banks make a profit ethically.
• The accounting education program of the UK and the United States- A comparative analysis.
• Accounting firm employees- Analyze their benefits and loss.
• The banking industry and corporate social responsibility.
• Relevance of current supervision in banking organizations.
• The modern banking system and the top three CSR problems.

Basic Financial Dissertation Topics

• Discuss the purpose and contribution of IASB (International Accounting Standards Board).
• Discuss the purpose and principles of IFRS (International Financial Reporting Standards)
• Explain the reasons behind the accounting scandal of Enron (2001)
• Compare and contrast WorldCom Scandal (2002) and the American International Group (AIG) Scandal (2005)
• Importance of good corporate governance for private and public companies
• Importance of working capital management
• How do debt patterns affect a company’s cash management and savings?
• Discuss the risks in mutual fund investments
• Financial risks in FDI (Foreign Direct Investments)
• Pros and cons of online banking and offline banking
• What is the negative influence of microfinance in developing countries?
• Evaluate the financial statements of VISA as well as MasterCard.
• The best risk management methods for the manufacturing industry – a detailed analysis.
• The American Venture capital in the Post American world: the role of the business resources in the US cross border Venture.
• How Brexit Will Change the Financial System of the UK?

Top Financial Dissertation Ideas

• UK banking system and the impact of no-deal Brexit.
• How internet banking might evolve in the next decade?
• Agronomic industry and the role of credit flow.
• Discuss how IT transformed the banking industry.
• Role of microfinance in empowering women all across the world.
• Capital structure and corporate strategy- How does it relate?
• Domestic banks versus International banks- Which is more profitable?
• Financial statement of VISA and Master Card- Analyse the concept.
• Examine the investment choices and capital management of companies.
• Analyze how risk management strategies worked over time.
• Stock exchange of New York and India- A bird’s eye view.
• Discuss the impact of debt patterns on savings.
• Banking sector and the study of stocks.
• Examining the risks in mutual funds.
• Chinese communism and financial risks.

Unique Financial Dissertation Topics

• Comparative study between the traditional finance methods in America and the influence of Fintech
• Distinguish between cost accounting and management accounting
• Discuss the Prudence concept and Accrual concepts in accounting briefly
• Importance of inventory control and management in cost reduction
• Discuss the factors that caused Satyam Scandal (2009)
• Discuss the most useful accounting software including their benefits and drawbacks
• Why transparency and reliability are the two major elements to consider in Accounting
• What are the basic principles of accounting?
• Discuss the concept and idea behind GAAP (Generally Accepted Accounting Principles) and its importance
• Microfinancing: Concept, types, and Importance
• Significance of Finance Risk Management in the Current Scenario.
• The long-term effect of education on the unequal distribution of income in a developing country.
• Provisioning and impairment by Banks and financial institutions. What impacts will it have on the balance sheet?
• The effect of risk-based audit approach on the enterprise risk strategy of the financial institution.
• Comparative analysis of accounting fraud committed by Enron and WorldCom

Outstanding Finance Dissertation Ideas

• Discuss the origin of the Ponzi scheme, including the way it works
• Compare and contrast PlusToken and GainBitcoin
• What was the reason behind the General Electric accounting scandal?
• Critical Analysis of the Bernie Madoff Ponzi Scheme
• Evaluation of Generally Accepted Accounting Principles (GAAP)
• Evaluation of Generally Accepted Auditing Standards (GAAS)
• Importance of the role played by the Financial Accounting Standards Board (FASB)
• Significance of relationship banking
• Analysis of the impact of a ‘no-deal’ Brexit on the banking system of the United Kingdom
• Evaluation of the PATRIOT Act of the United States
• Analyze the risk and development of financial technology- Online payment.
• Discuss the impact of data protection on social security and what is new about the field.
• Blockchain technology and its relevance for the world.
• Financial technology innovations- Study the trends and challenges.
• Portfolio management in the UK- A critical attempt to study it.

Impactful Financial Dissertation Topics

• Banking sector- Bonds and risk clearing.
• Foreign exchange transactions and the risks involved in them.
• Marketing system of two companies- A comparative analysis.
• How do agriculture and business relate to each other?
• Examining the luxury goods industry- Gold and diamond.
• Financial independence and financial growth- How does it relate?
• Explore systems to identify frauds and risks- International banking.
• Discuss the impact of Covid-19 on the investment made in the offline industry.
• Mutual funds and their drawbacks- Discuss how it provokes the present-day financial market.
• Discuss the real estate industry in China from the perspective of a banker
• Impact of the COVID-19 Pandemic on the Financial Performance of the SMEs (Small and Medium Enterprises) in the United States
• How is the global banking business affected due to the COVID-19 pandemic?
• Discuss the functions and responsibilities of independent auditors
• Do internal auditors of a company responsible to detect accounting frauds and errors?
• Analyze the impact of foreign currency fluctuation on the financial performance of multinational companies

High-Quality Financial Dissertation Topics

• Effects of Mergers and Acquisitions on private hospitals
• Survey of the organization and structure of a hospital’s administration concerning financing
• How diversity in banks affects management and leadership practices
• Why training and development of human resources is a critical factor in bank operations
• The Effects of financial leverage on company performance
• Analysis of the Result and Impact of the American International Group Inc. Accounting Scandal
• Critical analysis of the concerns and expected reactions associated with the implementation of the IFRS in the United Kingdom
• How does a company’s capital structure relate to its corporate strategy?
• Impact of capital structure on the business performance of an Organization
• Financing and diversification strategies of the organization
• Critical analysis of the operations of Islamic banks
• Comparative analysis of the financial performance of BNP Paribas and HSBC Holdings over the past three years
• Critical analysis of digital currency from the viewpoint of banks
• Conduct a comparative analysis between mortgage loans and leases as a source of finance for companies
• Importance of a balanced scorecard for business organizations

Intriguing Financial Dissertation Topics for Study

• Analysis of CSR (Corporate Social Responsibility) issues in modern banking systems
• Comparative analysis of the reasons behind the corporate downfall of Blockbuster and Standard Oil
• Evaluation of the accounting standards of the lease as prescribed by IFRS (International Financial Reporting Standards)
• Impact of tax administration on a Company’s revenue generation
• Analysis of Accounting Information System
• Discuss the cost accounting strategies as per their corresponding payment system.
• Healthcare organizations and their acquisitions- Discuss profitable finance strategies.
• Feasible treatment and care for terminal and long-term diseases.
• Relevance of universal health coverage in the United States.
• Discuss the influence of culture and globalization on healthcare financing.
• Analyze the influence of corrupt bank managers on sustainability.
• Elaborate on the loan granting and recovery issues of commercial banks.
• Insurance sector and tax planning- Discuss the steps to plan and invest.
• Enlist the credit management techniques that work for small-scale companies.
• Relevance of Capital Budgeting market in economic development.

Amazing Financial Dissertation Ideas

• Effective management in banks- Discuss the security threats.
• Regression analysis.
• Time-series analysis.
• Volatility modeling
• Unemployment control and the impact of fiscal and monetary policy.
• Linear algebra.
• Commodity model.
• Portfolio theory.
• Comparative analysis between normative accounting theory and positive accounting theory
• Analysis of the Managerial implications of Normative and positive accounting theories
• Importance of using accounting software for large-scale businesses
• Evaluation of investment appraisal techniques
• Ross recovery theorem.
• Factor modeling.
• Calculus in finance and its uses.

Best Financial Dissertation Topics

• Counterparty credit risks and its introduction.
• Go Public Manufacturing companies and the factors that influence its capital structure.
• International finance and the study of most important components.
• Study the international trade relations and the influence of Covid-19.
• Discuss the impact of exchange rates on international trading.
• Integrated financial management and the impact of technological connectivity.
• Discuss the influence of taxes on dividend policies in developed countries.
• Corporate finance tools and techniques- Discuss their effectiveness.
• FDI strategies in Europe and Asia- A comparative analysis.
• Discuss the benefits of Foreign Direct Investment in retail sector goods for the United States.
• How to manage stable oil prices across the world?
• Benefits of multinational corporations for the global economy.
• Why do you think financial companies might misuse marketing ethics?
• Television as the best advertising medium- What is your viewpoint?
• Guarantor principle- A myth or security?

Engaging Financial Dissertation Topics

• How is advertising a waste of the company’s resources?
• Agricultural import ban- What is your viewpoint?
• How does privatization cause less corruption in companies?
• Consumer as the king of marketing messages- Express your opinions.
• Income disparities among the social class- Role of technology.
• How much capital is essential for start-up companies?
• Private sector versus public sector- A comparative analysis.
• Relevance of rational thinking in making financial decisions.
• Benefits of investment in betting firms for young people.
• Discuss the impact of globalization on nationalism.
• Significance of frequent reforms in companies.
• The influence of regional blocs on developing nations.
• Discuss the factors that cause the growth of online scams.
• Relevance of financial development theories in the current time.
• Discuss the influence of trade unions in business promotions.

Top-Notch Financial Dissertation Topics

• The maritime industry and financial risk management- Blue economy case study.
• Discuss the relevance of making an individual investment.
• Taxation as a selling tool for life insurance.
• Analyze the influence of income per share.
• Perception management and risk portfolio of equity investors.
• Financial support for companies and employees during the Covid-19 lockdown.
• Discuss the public government projects that make use of private funds.
• How to measure the cost of sustainability?
• Debt sustainability in developing nations.
• Analyze the influence of reducing income and consumption rates.
• Elaborate on the innovative means of restricting the scale of pandemic development.
• Epidemiological safety instruments used in countries- A critical analysis.
• Role of companies in raising and managing funds.
• How politicians may help a small business to reach the top?
• Lower monthly bill negotiations- Discuss the economic ways.

Credible Finance Research Paper Topics

• Analyze the best retirement plans for businessmen.
• Risk and profitability- How to strike a balance?
• Business start-up strategies using the money you have.
• Benefits for business entrepreneurs of creating multiple corporations.
• How good liquidity is an important weapon in the face of crisis?
• IFRS commencement in the US- Discuss the problems faced by people.
• Mutual funds and their disadvantages- Analyse the threat it poses to the financial market.
• Discuss how companies manage their distribution chain and assets.
• Elaborate on the financial market trends in the last two years.
• SEBI and study investor protection.
• Chinese economic progression and the advantages of the global market.
• Discuss reciprocity and the influence of tariff barriers.
• The cost-benefit ratio of any government project.
• Discuss the functions of entities responsible for financial intermediation.
• Banking sector and its restructuring in Brazil.

Captivating Financial Dissertation Topics

• International banking and the impact of the United States Patriot Act.
• How microfinance helps to alleviate poverty.
• Discuss the influence of the retail industry on the UK’s economic growth in 2018.
• Explore the trade blocks (BRIC) and their influence on the banking sector.
• Economic ties of Russia and China- Discuss the politics and economic interests.
• Chinese economic growth and its sustainability- Analyse the risks associated with it.
• Discuss the significance of bank officials in the international stock exchange market.
• The international economic system and the trends.
• How does the banking industry help in the circulation of money?
• Pros and Cons of digital banking.
• Analysis of financial terms in the global context.
• Discuss the financial sides that protect consumers- Social Security.
• What is your viewpoint on taxes?
• Modernity challenges in answering digital banking questions.
• Prevalence of more mathematics in finance.

Innovative Financial Dissertation Topics

• The loan is a constant source of debt.
• Challenges of the budgetary system.
• How is a loan a potential source of constant debt?
• Discuss the relevance of the financial market in the sharing of financial resources.
• Role of taxes in increasing revenue.
• How are financial regulatory bodies essential for the countries?
• Relevance of public finance in achieving economic efficiency.
• Discuss the influence of Saudi economic reform on FDI.
• Describe the financial reporting standards and how it improves business accountability.
• Analyze what has changed and what remains practical in business modernization.
• The impact of price fluctuation on the stock prices and the bonding rate.
• Pros and cons of modern financial trends.
• How do security practices protect the online data of digital trade centers and retail stores?
• Analyze the ethics of banking profits- Pros and cons for the customers.
• Accounting education in the UK and its impact on the banking sector.

Informative Financial Dissertation Topics

• Critically analyzing the theory of trust in business- Auditing.
• Critically analyzing the real estate companies and agencies in the UK through the lens of bankers.
• The financial system of the UN- A critical analysis.
• Discuss the impact of foreign direct investment on economic growth- A case study of Nigeria.
• Hedging and increasing firm values- Role of the derivatives.
• Analyze the impact of the financial crisis on the Real Estate of Dubai.
• The outcome of audit management- Discuss the concept.
• Explore the effects of the financial crisis on the sustainability of home ownership in the UK.
• Modern business environment- Discuss the financial risks faced by the business.
• Portfolio optimization- Benefits of the risks associated with it. Analyze the case study of the US and China.
• How and why FDI helps in enhancing the development of third-world countries?
• Portfolio maximization- Pros and Cons.
• Asymmetric information and market interest- Analysis.
• Discuss the influence of Brexit on the United Kingdom’s foreign investment.
• Analyze the effect of trade tariffs imposed by the European Union- Pakistan’s agriculture export.

Impressive Financial Dissertation Topics

• Opportunism and Cooperation in the venture capital financed companies.
• Causes of bankruptcy during the Covid-19 pandemic.
• Discuss the Taxation Assignment reform changes required to take the business to the next level.
• Relevance for the bank managers to learn about the profit and loss statement, the income of customers, and a few others.
• Discuss the ways to enhance the company’s online presence.
• Why should companies take the ratio of current assets to current liabilities?
• Explain the reliability of sovereign credit rating for shareholders in government securities.
• The rising debt crises in the state finance system.
• Discuss the influence of tariff barriers and reciprocity.
• Investor’s penalties and their influence on the types of taxes and penalties.
• Explore the analysis, planning, control functions, and accountabilities of the finance managers.
• The federal stimulus package and the benefits for business managers.
• Relevance of examining numbers before making any financial decision.
• Cognitive moral development theory through Western eyes- Analysing the microfinance of the West.
• Foreign Direct Investment in Pakistan’s Energy Sector- Analyse the opportunities and threats.

Awesome Finance Dissertation Ideas

• An In-Depth Examination of Corporate Credit-Rating in the Banking Sector.
• The Importance of Finance Risk Management in the Current Situation
• The impact of microfinance on a developing country’s financial growth.
• The long-term impact of education on income inequality in a developing country.
• The role of mergers and acquisitions in a developing country’s banking sector.
• What Impact Has Internet Banking Had on the Financial Sector?
• How Will Brexit Affect the UK Financial System?
• A Comprehensive Study of the Importance of Microfinance to Banks
• How will the rise of cryptocurrency affect the financial sector?
• Relationship between a financial company’s price-earnings ratio (PE ratio) and return on investment (ROI).
• Factors influencing a company’s liquidity.
• Factors influencing a company’s profitability in comparison to other companies.
• Monetary policy has an impact on inflation.
• An In-Depth Examination of Corporate-Finance Credit Lines
• The Effect of FDI (Foreign-Direct-Investment) on a Nation’s Economy

Miscellaneous Financial Dissertation Topics

• The Impact of corporate investments on community economic development
• Do organizations that provide microfinance aid people with low income?
• Foreign direct investment and Saudi Arabia’s economic reform
• Asia’s and Europe’s financial developments are contrasted
• Microfinance in poor nations has a detrimental influence
• In the past ten years, did the banks aid SMEs in the UK in expanding?
• Regulation of the financial industry’s detrimental consequences on the American banking system
• The benefits and drawbacks of the options utilized in contemporary banking systems to manage risks
• Brexit’s effects on the capacity of UK banks to hire highly skilled specialists
• Why is the balanced scorecard so crucial for law firms, and what does it entail?

The Bottom Line

By now, you would have identified a good topic from the list of financial dissertation topics suggested in this blog. In case, you have not yet selected the right topic, contact our  Assignment Help experts online . According to your needs, the professionals in our platform will help you in finding a brilliant topic for your financial dissertation. Moreover, with the support of our Finance dissertation helpers , you can also compose a top-score fetching financial dissertation in advance of your deadline. The academic papers that you receive from us would stand in accordance with your requirements and would be plagiarism-free and flawless.

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Sample Dissertations

Sample Dissertations | University Dissertations | Dissertation Examples

2008 Financial Crisis

The financial crisis commenced in August 2007 after the preceding inflation. The crisis became more defined throughout 2007 and gained momentum in 2008. This took place even after the financial regulators and the central banks’ tireless attempts to tame the situation. It is alleged that the main factors that influenced its manifestation include corruption, fraud, speculation, greed, bankers and bankers’ bonuses. However, the academic discourse, politics or media has been unable to solve the mystery surrounding the main causes of the crisis.

The mystery is academically relevant to the world of research just like the Great Depression, whose causes are still being discussed. Other sources believe that the crisis might have been as a cause of human failures especially following the refusal to bail out the Investment Bank Lehman Brothers. The housing bubble was the immediate trigger of the 2008 financial crisis. The following were the triggers under the housing bubble.

Subprime Lending

A subprime mortgage is the mortgage that is readily acceptable without imposing strict measures of standard on it. Before the 2008 financial crisis, there existed a fierce competition between mortgage lenders. The competition between the mortgage lenders ensued from the struggle for market share and revenue. It also took place in tandem with limited supply of creditworthy borrowers which put unconditional stress on the financial institutions. The relaxing mood by the mortgage was apparent and hence less creditworthy borrowers were granted mortgages.

This was a financial err due to failure to adhere to high standards of lending and hence riskier mortgages were granted to the borrowers. This was also evident in early 2003 where the Government Sponsored Enterprises (GSE), due to their conservative nature, sustained relatively high underwriting standards. The Government Sponsored Enterprises also policed mortgage originators prior to 2003 while maintaining high underwriting standards at the same time. Consequently, the market power shifted originators straight from the securitizers and hence led to tight competition between Government Sponsored Enterprises and the private securitizers. This competition undermined the power of Government Sponsored Enterprises and therefore compromised the mortgage standards. The situation also led to proliferation of risky loans.

During the years preceding the 2008 financial crisis, there was a competitive pressure that ultimately accelerated the subprime lending by the investment banks in the United States and Government Sponsored Enterprises such as Fannie Mae. The Fannie Mae became the biggest lender while the GSE relaxed their quest for the purpose of catching up with the private banks in the United States. Summarizing the subprime lending, there were low bank interest rates, existence of abundant credit and hiking prices of houses.

Due to these, there was relaxation of the lending standards and hence the increase in the number of loan borrowers. Through the scheme, the borrowers were able to borrow loans to buy very expensive houses that they could not afford initially. Later on, the house prices started to decline, the loans went sour and hence the cause of shock to the financial system and the global economy. This happened prior to 2008 and hence it can be declared as the major instigator of the 2008 financial crisis

Growth of the Housing Bubble

Identification of a bubble is complicated before it bursts. It is counter intuitive to state that early detection of the housing bubble and its immediate eradication is the best mitigation practice. However, mitigation of housing bubble is the worst thing to do because it can damage the economy. It is advisable to wait for the housing bubble to burst and then respond to its effects.

The housing bubble, as far as the 2008 financial crisis is concerned, led to 124 per cent increase in the price of typical American houses. The bubble took place between 1997 and 2006-approximately one decade. The bubble had drastic consequences on the economy and especially to the home owners in the United States of America prior to the 2008 crisis. The homeowners started to finance their mortgages at very low interest rates and hence denying the financial banks room for development. Other homeowners picked on securing secondary mortgage loans due to appreciation of prices.

The housing bubble started to collapse in early 2006. Several factors led to the bursting of the housing bubble. There was decline or stagnation of the hourly wages in the United States of America between 2002 and 2009 and hence house prices could not continue rising. This is because the houses had become completely unaffordable. The second cause of bubble bursting was as a result of increased supply of houses due to the high market demand. Consequently, the supply of houses superseded the demand in the market. This case reduced monopoly by the housing providers and later increased the desired healthy competition in the housing industry. As a result, the house prices began to decline due to the high supply and less demand. The above causes were also related to the subprime lending-another cause of the 2008 financial crisis.

Increased Debt Burden or Over-Leveraging

Before the 2008 financial crisis, there was an increased leveraging of financial institutions. The institutions were very optimistic and hence they did not mind engaging in risky investments. They also set up smart measures that would cushion them from the unexpected consequences. The leverage entailed the use of complicated financial tools such as derivatives and off balance sheet securitization. This was risky because it denied the financial monitors and crediting institutions the capability to curb the impending risks. It became harder to reduce the risk levels due to the vulnerability exposure by the financial institutions and their subsequent moderations. Consequently, the measures could not curb the stress on the financial institutions and hence exacerbating bankruptcy of several commercial banks and other lending institutions.

There was evidence of over-leveraging by the financial institutions in the United States during this prime period. The financial institutions became highly indebted just before the 2008 financial crisis set in. The institutions were hence vulnerable to the failure of the housing bubble. The economic tantrums became worse in precedence to the crisis. At this time, the U.S household debt hit 127 percent in 2007, up from 77 percent in 1990.

Allegedly, the debt led to economic recession that in turn led to the fall in employment rates and increased credit losses by the involved financial institutions. Other effects were also felt prior to the crisis as far as the household and the financial institutions finances are concerned. After the spread of the balance sheet leveraging across the economy, consumers started to save on the purchase of durable goods, businesses started to lay off workers, planned investments were cancelled and the financial institutions started to freeze their assets to improve their financial stability while bolstering capital.

Commodities Boom

Following the collapse of housing bubble in early 2007, prices of essential commodities increased. The increase in commodity prices was one of the very many consequences of the housing bubble burst. The housing bubble, according to economists, was very stressful to the household economy and the banking institutions at large. Consumption of certain commodities was either regulated or cut off to increase on savings and carter for the other basic needs. To prove this, it is on record that the price of oil was approximately three times the initial price. The price tripled to US $147 from a mere US $50 between 2007 and 2008.

There was speculation that money was flowing from the household finances into commodities. The financial institutions were also blamed for the increased commodity prices. There existed an acute shortage of raw materials and hence increasing the cost of production. This scenario subsequently raised the prices of essential commodities. The raw material crisis was somehow contributed by the Chinese dominance in Africa and the other potential states in the world.

The soaring prices of oil directly affect the arithmetic involved in consumer spending. Most often, production cost is transferred to the consumers who are required to spend more on gasoline and gas than on the other essential commodities. During the 2008 financial crisis, house bubble was part and parcel of all these occurrences and hence its exacerbation as a result. The pending issues were not solved in accordance with the economic situation due to the surging oil prices. The oil producing countries were the main beneficiaries of this scheme as they ended up accumulating most of the wealth.

Apparently, the oil importing countries had to spend more in purchasing the oil and hence the cost of commodity production in the respective states increased. The consumers were the main sufferers because they had to redirect finances from other avenues to settle the commodity bills. Copper and Nickel prices also went high prior to the crisis. Without any doubt, it is evident that the effects of the price instabilities and price variations contributed to the financial crisis.

Role of Economic Forecasting

Economists are the principle advisors whenever economic issues such as depression, recession and stability are concerned. They are required to analyze the past financial crisis and should be responsible for forecasting any impending economic crisis. They are also required to advice the ordinary people, stakeholders and financial institutions on economic trends, future crises and the mitigation measures of mitigating them. An unfortunate occurrence took place prior to the eruption of the 2008 financial crisis. The crisis was not predicted by the mainstream economists in the United States.

However, it is rife that several heterodox economics had a feeling of the occurrence of the crisis but there was an argument of misunderstanding between them. They had varying arguments on the estimating of the appropriate time of the crisis. Only 12 of the economists managed to predict the crisis. They included Eric Janszen of the US, Dean Baker of the US, Fred Harrison of the UK, Wynne Godley of the UK, Kurt Richebacher of the US, Peter Schiff of the US, Nouriesl Roubini of the US, Steven Keen of Australia and Denmark’s Jens Kjaer Sorensen.

Schools and other economic institutions also predicted the crisis. The schools based their predictions on observing the effects of artificial and laxity in the supply of money. It was also stated that the economists were unable to predict the crisis since the 1930’s global Great Depression. There were several articles including the New York Times and other university journals that had a revelation of the occurrence of the 2008 global financial crisis. However, from the economic school of thoughts’ perspective point of view, it is stated that predicting financial crises is a nearly impossible task.

Impacts on Financial Markets

The 2008 financial crisis impacted negatively on financial markets. Since the financial markets greatly affect the economy, various stakes were upheld and hence the stress on the economy. The impact was evident on the U.S stock market and the other financial institutions.

U.S Stock Market

In October 2007, the stock market in the United States peaked after exceeding the Dow Jones Industrial Average Index with 14, 000 points. In early 2008, the stock market started experiencing a steady decline until it reached approximately 6, 000 points by March 2009. The statistics started to flourish again between March 2009 and early 2011 when it exceeded 12, 000 points. The points were recorded above 13, 000 points by 2012. This was a positive improvement based on the comparison between the performances of the stock market during 2007, 2008, 2009, 2010, 2011 and 2012. The steady increase was quite beneficial to the economy of the United States at a time when it was experiencing the most drastic effects of an economic downtown.

Partially, the quantitative easing technique that was applied by the Federal Reserve’s economic policy of aggression was behind the success of recovery of the United States stock market. The recovery of the United States stock market back to its functional status was a welcome effect that was essential to curb the effects of the financial crisis and mitigate the future occurrences of the same caliber. The positive performance in the stock market was also attributed to various factors concerning the efforts steered by the financial community to save the economy from succumbing to the financial crisis. The poor performance by the United States’ stock market was also experienced during the Great Depression.

Financial Institutions

Financial institutions are a conglomerate of bankers and providers of banking services. Lending firms and institutions are also part and parcel of the financial institutions. There was an estimated amount of money by the International Monetary fund alleged to have been lost by the U.S banks and European banks. The estimated amount of the lost money was $ 1 trillion. The money was lost through poor techniques of loan allocations between the time period of 2007 and September 2009. Approximately 60 percent of American banks were affected while 40 percent of the banks in Europe were affected.

Northern Rock bank of Britain was one of the worst-hit banks in the European region. The bank engaged in over leveraging matters of business that later forced it to seek security and protection from the Bank of England. This led to bank-run and instilled panic among the investors in September 2007. The bank’s management was then put under the receivership of the public by the British government after failing to secure the interests of willing private investors to take control of the bank. The Northern Rock’s scenario was just an indication of the very many problems that the other financial institutions were facing.

The mortgage lending firms were the most affected since most of them became bankrupt. They were unable to secure their loans and financial benefits from credit markets. Almost all financial institutions predicted danger in terms of downfall and bankruptcy. The consequences included complete failure of the institutions to survive, subjection to takeover by the government or fire-sale in terms of duress acquisition by the willing investors. Most of the U.S and European banks were completely eliminated from the financial map.

Financial Crisis and its Effects on the Global Economy

Global economy is supposed to be sustained at all costs. It is responsible for diversification of the resources and economic empowerment of the countries that operate under one umbrella. When one country is hit by an economic crisis, the other countries that engage in economic activities with the affected country are likely to experience an economic shakeup. Financial crisis is just like any other crisis but its effects are the most tragic because they impair economic growth.

Economic stability is beneficial to a country while its instability has negative impacts on both the country and the citizens within its borders. Matters of economic interest are given the first priority when it comes to security and protecting citizens from economic depressions and its aftermaths such as high production costs, high interests on the borrowed funds and the subsequent increase in commodity prices. Apparently, the 2008 financial crisis affected several states both directly and indirectly.

Analysis of the commentators’ suggestion is welcome for argumentation. The commentators, with too much experience in the world economic trends commented on the impending effects of liquidity on the global economy. However, if the liquidity crisis persists, recession is likely to continue manifesting. With no mitigation measures urgently put in place to curb the liquidity crisis, it is likely that even more drastic effects of the recession will be experienced.

Continued persistence of the financial crisis is predicted to affect the global economy which in turn can cause a collapse of the economy if not mitigated as soon as possible. This is an argument from a group of certain forecasters. Contrary to this argument, there also exists another group of optimistic forecasters who believe that financial crisis is not likely to affect the global economy.

School of thoughts has it that the financial crisis is likely to cause a major shakeup in the banking industry due to the melt-down of loans and savings. In mid-October 2008, the Investments Banks in the United States and the United Kingdom declared that continued financial crisis was a clear-cut indication of an impending global recession. They even had the audacity to estimate the time it would take for the global recession to start manifesting itself. They estimated the minimum period before the global recession could start shaking the economy as two years or less.

Later on, the economists predicted that the crisis would end soon and that it was now the beginning of its end. This was evidenced by the efforts made by financial stakeholders in the world. This action was supposed to mitigate the financial situation immediately. Subsequently, the government injected reasonable capital into the economy that facilitated the cut-down of interest rates. This was one of the initial steps meant to enhance the well-being of the interested borrowers or the borrowers who were still repaying their loans. This meant that mortgages were now more affordable or better off. Their repayment was made cheaper as compared to the previous times when they were very high.

The United Kingdom was clever enough to mitigate the effects of the financial crisis by injecting the mentioned capital into its economy. The central banks across the globe were forced to cut-down the bank interests imposed on borrowers. This sufficiently helped to revive the deteriorating economy by attracting large numbers of borrowers. The United States was also required to systematically inject capital into its economy. This was not meant to completely mitigate the crisis because the worst was expected. It was only meant to deal with the financial crisis at that time but not the main solution to the crisis and the presumably impending economic crisis such as the global economic recession.

The UBS had already estimated the presumed duration of the expected recession in various economic power houses in the world. Recession in the Euro zone was to last for an approximated period of six months, the United States was to experience it for three quarters while the United Kingdom was to face a recession that would last for four quarters. Iceland is an example of some of the commonest countries on earth to be directly affected by the financial crisis. There was a major banking collapse in Iceland. It is still rated as the world’s major banking collapse in the history of economy.

The other countries in the world were also affected by the crisis because the Unites States was by then, the biggest shareholder in the world economy. Its spending habits were very beneficial to the world and hence it is intuitive to state that the rest of the world depended greatly on its success. The negative effects on the global economy were first observed in 2009 when Japan experienced a 15% decline in its GDP, 14% in Germany, 21% in Mexico, and 7% in the UK. The other developing countries also suffered significant slowdowns in their economic trends. However, the Arab World was least affected by the financial crisis because there were different sources of finances.

Government Responses

The government of the United States was supposed to establish the most appropriate mitigation measures and thereafter implement them for the purpose of streamlining the economy and its subsequent cushioning from any future crisis. There were various measures that were lined up by the government to gain both temporary and permanent stability of the economy. The two main responses included the short-term and emergency responses and long-term responses and regulatory proposals.

The Short-Term and Emergency Responses

The central banks across the world and the US government under the jurisdiction of the Federal Reserve have put the most appropriate measures in place to facilitate money supply and prevent occurrence of deflationary spiral. Deflationary spiral is the situation where high employment rates and lower wages cause low global consumption trends. The governments are also spending and borrowing funds from outside sources to increase demand by the private sector. The Federal Reserve in the United States dealt with the emergency by expanding liquidity facilities to enable the central bank to carry on with its duty of lending money.

In mid-2008, the Central Banks and the Federal Reserves responded promptly to the crisis by settling government debts and buying private assets from the hard-hit banks. The European governments and the United States raised their national banking systems’ capital by approximately U.S$ 1.5 trillion. They purchased stocks from the major banks to set-off the liquidity saga. To curb further liquidity, the U.S government decided to create currency valued at approximately 600 Billion dollars and injected them into its banks. Brave enough, the banks invested the money in foreign investments and currencies.

Long-Term Responses and Regulatory Proposals

There was a series of regulatory proposals introduced in 2009 by President Barack Obama of the U.S. The contents of the proposal included consumer protection, cushioning of bank finances, and regulation of the systems involved with shadow banking. Another proposal was to limit involvement of banks in proprietary banking. In Europe, the regulators drafted regulations for their banks. The proposals required the banks to amend their liquidity requirements, increase capital ratios and limit leverage. The regulations have since increased lending to the government by the banks and hence increasing the risk of a possible financial crisis. More lending to the government has been encouraged.

Without the long-term, short term responses and regulatory proposals, the crisis could have worsened and even led to a global economic recession. The government of the United States through its Federal Reserves, the government of the United Kingdom and the economic regulators in both countries were pivotal in mitigating the crisis and preventing a repeat of the same in the future. The short term measures were meant to deal with the situation immediately before the most appropriate long-term measures could be approved and implemented.

The proposals were also implemented by various central banks across the affected nations in the world. The United States led the other nations such as the United Kingdom in the fight against the financial crisis through the most appropriate short-term and long-term responses. A positive improvement was observed as the economy started to be more stable and sustainable. The proposals were also very significant because they managed to streamline the banking systems which are still effective at the moment. There is optimism that the measures and proposals will continue to be effective for the purpose of decreasing the probability of occurrence of another financial crisis in the future. These measures and proposals are still in place up to now though with subjectivity to legislated amendments.

Response by the Congress of the United States

The United States-being the worst affected by the financial crisis-sort assistance from the law makers and the Congress. Under the leadership of President Barack Obama, the congress and the senate were required to pass the most important financial Bills into law. The Bills were meant to cushion the U.S economy from any impending financial crisis. Stability of the economy was achieved after the implementation of the Bills. At the end of 2009, the House approved a Bill titled Wall Street Reform and Consumer Protection Act 2009.

The Act was enacted to protect the consumers against exorbitant prices of consumer goods and services. The interest rates were also shelved for the benefit of borrowers. Another response involved the enactment of Restoring American Financial Stability Act 2010 in mid 2010 by the U.S Senate. Several other Acts were enacted in response to the financial crisis. Meanwhile, in April 2012, a court in Iceland prosecuted a former Prime Minister for instigating the Icelandic Financial Crisis between 2008 and 2012.

Financial Crisis Stabilization

Economic stability was the main remedy for the persisting financial crisis which impacted greatly on the global economy. Stabilization was to be achieved through the well-researched mitigation measures. The affected economies were supposed to get back on their feet after nullifying the threat from interfering with their finances. The United States and the United Kingdom were the front runners in ensuring economic stability.

The U.S recession lasted between December 2007 and June 2009. Similarly, the financial recession also ended at the same time. By the beginning of 2010, President Barack Obama declared that the markets were stable and that he had managed to retrieve the money spent on the banks during the crisis. The stability can also be evidenced by the observed growth of most stock markets. However, fundamental changes are yet to be made on financial markets and banking.

Bibliography

Duhigg, Charles (October 4, 2008). “NYT-The Reckoning-Pressured to Take More Risk, Fannie Reached Tipping Point”. The New York Times. Retrieved March 22, 2013.

Ivashina, Victoria and Scharfstein, David. Bank Lending During the Financial Crisis of 2008. Working Paper. Harvard: Harvard Business School, 2008.

Jickling, Mark. Causes of the Financial Crisis. April 9, 2010.

John B. Taylor, “The Financial Crisis and the Policy Responses: An Empirical Analysis of What Went Wrong”, November 2008, pp13-14.

Koller, Cynthia A. (2012). “White Collar Crime in Housing: Mortgage Fraud in the United States.” El Paso, TX: LFB Scholarly.

Markus, Brunnermeier, Deciphering the Liquidity and Credit Crunch 2007–2008, Journal of Economic Perspectives, 23:1, Winter 2009.

Simkovic, Michael. “Secret Liens and the Financial Crisis of 2008” American Bankruptcy Law Journal, Vol. 83, p. 253, 2009.

Smith, Gregory. US House Committee on Oversight and Government Reform, Hearing on causes and effects of the Lehman Brothers bankruptcy, 6 October 2008.

Stewart, James B. “Eight Days: the battle to save the American financial system”,

The New Yorker magazine, September 21, 2009. Pages 58–81.

Troshkin, Maxim. Technical Notes on Facts and Myths about the Financial Crisis of 2008. Working Paper 667, Federal Reserve Bank of Minneapolis, 2008, 12.

Williams, Carol J.). “Euro crisis imperils recovering global economy, OECD warns”. (May 22, 2012) Los Angeles Times.

“World Economic Outlook: Financial Crisis and Recovery, April 2009” (PDF). Retrieved March 8, 2013. Federal Deposit Insurance Corporation, History of the Eighties – Lessons for the Future, Vol. 1.

Financial Crisis Relevant Links

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My name is Steve Jones and I’m the creator and administrator of the dissertation topics blog. I’m a senior writer at study-aids.co.uk and hold a BA (hons) Business degree and MBA, I live in Birmingham (just moved here from London), I’m a keen writer, always glued to a book and have an interest in economics theory. View all posts by Steve Jones

6 thoughts on “2008 Financial Crisis”

Wonderful post Thanks for sharing.

No problem at all Elton.

Awesome blog post thanks so much sharing your dissertation material.

No problem, thanks for the positive comments. It makes it all worthwhile.

The Lehman Brothers collapse was the start of it in my opinion. Anyone who skipped past this is guilty of negligence. Also, the availability of cheap finance fueled the flames. Lets hope we learn from these mistakes.

Hi Hayley. I ‘m sure financial institutions and tighter lending rules will not allow such a finance crisis to happen again in the near future.

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• Asset levels of the service based decision support systems for infrastructure investment in Singapore
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    100. The impact of firm characteristics on the capital structures of SMEs: A Hong Kong case study

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Mykletun, Erik. "Does Regulation matter? Institutional dimension of the 2008 financial crisis." reponame:Repositório Institucional do FGV, 2010. http://hdl.handle.net/10438/7985.

Magagula, Sifiso Charles. "Liquidity linkages between the South African bond and equity markets." Thesis, Nelson Mandela Metropolitan University, 2014. http://hdl.handle.net/10948/d1020758.

Madubeko, Vongai. "The global financial crisis and its impact on the South African economy." Thesis, University of Fort Hare, 2010. http://hdl.handle.net/10353/363.

Hargaden, Kevin. "Can a Celtic tiger fit through the eye of a needle? : a theology of wealth engaging the parables of Jesus and recent Irish economic history." Thesis, University of Aberdeen, 2017. http://digitool.abdn.ac.uk:80/webclient/DeliveryManager?pid=232026.

Taszarek, Drusilla Mary Alice. "The development of the private equity industry since the 2008 financial crisis." reponame:Repositório Institucional do FGV, 2015. http://hdl.handle.net/10438/13837.

Motsi, Steve. "Competition of Sub-Saharan African banks : new empirical insights from the 2007/2008 global financial crisis." Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/97472.

Phelps, Barry Keith. "Financial contagion and the transmission of the 2007 US financial crisis to South Africa." Thesis, Nelson Mandela Metropolitan University, 2012. http://hdl.handle.net/10948/d1019714.

Omar, Sabrina. "The Impact of the 2008 Global Financial Crisis on the Health of Canadians." Thesis, Université d'Ottawa / University of Ottawa, 2015. http://hdl.handle.net/10393/33372.

Tracey, Belinda. "Essays on banking in the post-crisis era." Thesis, University of Oxford, 2016. https://ora.ox.ac.uk/objects/uuid:f92fbf8c-8c20-4dcd-ad3b-a3cd89ddc538.

Kossa, Khodeu Thuo Zhagnin. "The impact of macrofinancial variables on covered interest parity violations after the 2008 global financial crisis." Master's thesis, Université Laval, 2020. http://hdl.handle.net/20.500.11794/66608.

Wan, Yue. "The Global Financial Crisis: Impacts on SMEs and Government Responses." Thèse, Université d'Ottawa / University of Ottawa, 2011. http://hdl.handle.net/10393/20078.

Sands, Daniel B. "Complexity Theory, Asymmetric Shock, and the Emergence of Previously Hidden Subsystems within the 2008/2009 Global Financial Crisis." Thesis, The University of Arizona, 2009. http://hdl.handle.net/10150/192958.

Ncube, Bhekinkosi. "Corporate governance : future perspective in light of the 2008/09 global economic meltdown." Thesis, Stellenbosch : Stellenbosch University, 2010. http://hdl.handle.net/10019.1/18183.

Salloy, Suzanne. "Empirical Essays on Contagion during the Global Financial Crisis." Thesis, Paris Est, 2013. http://www.theses.fr/2013PEST0087.

Mpala, Nqobile Natasha. "A comparative analysis of derivative regulation following the global financial crisis : an emerging markets perspective." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1018660.

Wilson, Jeffrey G. "The global financial crisis : a crisis of legitimacy for the hegemonic world order and the implications for South Africa." Thesis, Stellenbosch : Stellenbosch University, 2013. http://hdl.handle.net/10019.1/80159.

M'Shanga, Mayase Chituwa Simone. "Industrial policy, economic growth and unemployment in the wake of the 2008-2009 global financial crisis: The Zambian perspective." Master's thesis, University of Cape Town, 2017. http://hdl.handle.net/11427/27445.

Danielsen, Aarik J. Davis Charles N. "Examining media coverage of the subprime mouurtgage [sic] phenomenon." Diss., Columbia, Mo. : University of Missouri-Columbia, 2009. http://hdl.handle.net/10355/6724.

Ferreira, James Stuart. "An analysis of the risk adjusted returns of active versus passive South African general equity unit trusts during varying economic periods: an individual investor's perspective." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1019753.

Fristedt, Sebastian Carl. "Exchange-rate regimes and economic recovery : A cross-sectional study of the growth performance following the 2008 financial crisis." Thesis, Södertörns högskola, Nationalekonomi, 2017. http://urn.kb.se/resolve?urn=urn:nbn:se:sh:diva-32766.

Nguyen, Mai Lan. "Financial contagion and interactions between financial markets during global crises." Rennes 1, 2012. http://www.theses.fr/2012REN1G033.

Peabody, Stephen Drew. "Does the Method of Financing Stock Repurchases Matter? Examining the Financing of Share Buybacks and Its Effect on Future Firm Investments and Value." Thesis, University of North Texas, 2018. https://digital.library.unt.edu/ark:/67531/metadc1404597/.

Keßels, Nikolas [Verfasser]. "The Internationalization of American Market Regulation : Why an American Financial Empire Prevailed throughout the 2008 Global Financial Crisis / Nikolas Keßels." Berlin : Freie Universität Berlin, 2018. http://d-nb.info/1156603382/34.

Hamilton, Sedrick Tremayne. "Deregulation and The 2007-2008 Housing/Debt Crisis Analysis of the Housing/Debt Crisis of 2007-2008 and its impact on the Financial Strength and Vulnerability of the United States and Global Economy." reponame:Repositório Institucional do FGV, 2015. http://hdl.handle.net/10438/15061.

Ahmadu-Bello, J. "The 2007-09 global financial crisis and financial contagion effects in African stock markets." Thesis, Coventry University, 2014. http://curve.coventry.ac.uk/open/items/c9e2c0fe-dbce-4faa-abaf-945e5a282294/1.

Tjitemisa, Naftaline Meth. "The impact of the global financial crisis on the diamond supply chain : Namibia as a case study." Thesis, Stellenbosch : University of Stellenbosch, 2010. http://hdl.handle.net/10019.1/8580.

Wang, Sicong. "Gender, ethnicity and spatial autocorrelation of unemployment in Great Britain : an economic analysis." Thesis, Swansea University, 2013. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.644356.

Butko, Sami. "Crises, Profit, and Exploitation: A Structural-Marxist Interpretation of the 2007-08 Global Financial Crisis." Thesis, Université d'Ottawa / University of Ottawa, 2018. http://hdl.handle.net/10393/38014.

Minne, Geoffrey. "The role of information in exchange rate policy and the reaction of banks during the 2007/08 crisis." Doctoral thesis, Universite Libre de Bruxelles, 2014. http://hdl.handle.net/2013/ULB-DIPOT:oai:dipot.ulb.ac.be:2013/209107.

Teixeira, Marcelo Paranaguá de Vasconcelos. "Value and momentum strategies in the Brazilian stock market: the 2008 financial crisis and its aftermath." reponame:Repositório Institucional do FGV, 2011. http://hdl.handle.net/10438/8889.

Gross, Eden. "Risk Management in South Africa Before, During, and After the 2008 Global Financial Crisis: An Application to Different Sectors." Master's thesis, Faculty of Commerce, 2021. http://hdl.handle.net/11427/32693.

Tibbetts, Evan. "Fannie Mae and Freddie Mac's march into subprime mortgages." Diss., Connect to the thesis, 2009. http://hdl.handle.net/10066/3646.

Jin, Yi. "An investigation into bank behaviour up to the 2007-08 global financial crisis." Thesis, University of Birmingham, 2013. http://etheses.bham.ac.uk//id/eprint/4126/.

Savy, Neil Edward. "Impact of the global financial crisis on economic growth: implications for South Africa and other developing economies." Thesis, Rhodes University, 2015. http://hdl.handle.net/10962/d1017542.

Otterberg, Simon, and August Zetterberg. "How much new information does a credit rating announcement convey to the financial markets? : A comparison before and after the 2008 global financial crisis." Thesis, Linnéuniversitetet, Institutionen för nationalekonomi och statistik (NS), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-96878.

Abouchedid, Saulo Cabello 1987. "A política econômica no Brasil no contexto da crise financeira global (2008-2012)." [s.n.], 2014. http://repositorio.unicamp.br/jspui/handle/REPOSIP/286496.

Guittet, Stéphane J. "Reforming financial regulation after the global financial crisis : the case of over-the-counter derivative market regulation." Thesis, Paris, Institut d'études politiques, 2013. http://www.theses.fr/2013IEPP0058.

Sag, Mustafa Onur. "The Effects Of Transition To Modern Banking And 2008 Global Financial Crisis On The Efficiency Of The Turkish Banking Sector." Master's thesis, METU, 2010. http://etd.lib.metu.edu.tr/upload/12612663/index.pdf.

Tsang, Chun-ping, and 曾俊平. "Housing market bubbling again after the global financial crisis in 2008: government's actions to prevent thebursting of the housing bubble." Thesis, The University of Hong Kong (Pokfulam, Hong Kong), 2012. http://hub.hku.hk/bib/B48343353.

Hummel, Detlev. "Deutsche Kapitalbeteiligungsgesellschaften im Umfeld der globalen Finanzkrise 2008/2009." Universität Potsdam, 2011. http://opus.kobv.de/ubp/volltexte/2011/5010/.

Laing, Fredl. "How well did leading indicators forecast the South African house price deflation caused by the recent global sub-prime crisis." Thesis, Stellenbosch : Stellenbosch University, 2012. http://hdl.handle.net/10019.1/95617.

Waesch, Carsten. "Performance contrasts during the financial crisis between publicly traded family and non-family firms in Europe." reponame:Repositório Institucional do FGV, 2014. http://hdl.handle.net/10438/12073.

Machado, Fabrício Silva de Sousa. "A crise de 2008: desregulamentação, inovações e alavancagem financeira das economias capitalistas." Pontifícia Universidade Católica de São Paulo, 2017. https://tede2.pucsp.br/handle/handle/20625.

Le, Chau Ho An. "Cross-border financial linkages and international financial contagion : an empirical study of East Asia during the 2007-2011 global financial crisis." Thesis, University of Birmingham, 2013. http://etheses.bham.ac.uk//id/eprint/4455/.

Krzeminska, Anna M. "The importance of firms' strategic resources and capabilities in crisis situations." reponame:Repositório Institucional do FGV, 2015. http://hdl.handle.net/10438/14975.

Morcuende, González Alejandro. "Rupturas Urbanas. Análisis de las relaciones entre la morfología urbana y la estructura social en la Barcelona contemporánea." Doctoral thesis, Universitat de Barcelona, 2018. http://hdl.handle.net/10803/664413.

Raffaelli, Rossana Ribeiro do Prado. "A efici??ncia de mercado e a crise mundial de 2008." FECAP - Faculdade Escola de Com??rcio ??lvares Penteado, 2010. http://132.0.0.61:8080/tede/handle/tede/472.

Aguiar, Bruno César da Terra. "Predatory lending in the global financial crisis of 2007/09 : a review of the literature." Master's thesis, Instituto Superior de Economia e Gestão, 2018. http://hdl.handle.net/10400.5/17062.

Sturk, Madeleine, and Evertsson Marina Valkonen. "Reclassifications of financial intstruments in the Nordic countries : The effects of the reclassification amendments on Nordic banks financial statements of 2008 and 2009." Thesis, Jönköping University, JIBS, Accounting and Finance, 2010. http://urn.kb.se/resolve?urn=urn:nbn:se:hj:diva-12995.

Due to the apparent global economic conditions, at the end of 2008, the International Accounting Standards Board (IASB) issued amendments to IAS 39 Financial instruments: recognition and measurement and IFRS 7 Financial instruments: disclosures in October and November, 2008. The amendments allow banks to reclassify their non-derivative financial instruments in rare circumstances. This thesis investigates whether banks in the Nordic countries (Denmark, Finland, Norway, and Sweden) reclassify financial instruments, in their financial statements of 2008 and 2009.

The result of the study shows that 47% of the sample Nordic banks reclassified financial instruments in 2008 and 12% in 2009. All banks increased their net profit as a result of reclassifying financial instruments in 2008. The return on equity (ROE) increased significantly compared to whether the banks would not had reclassified their financial instruments. Tendencies found among the sample Nordic banks are that larger and less profitable banks used the possibility to reclassify financial instruments to a greater extent. Because none of the banks made losses on their choice to reclassify in 2008, the conclusion is that the opportunity given due to the amendments are mostly used by the banks to enhance the net income and the key ratio ROE. This shows that management decisions are short-term. This also indicates that the amendments may be misused by management to enhance current profit for their own benefit. The thesis also concludes that the departure from fair-value as the valuation method for financial instruments, due to recent massive critic, is unlikely.

Vachalek, Lisa M. "The Making of a Crisis in Mexico| An Inductive Analysis of Media Sentiment and Information Cascades on the Value of the Mexican Peso during the 2008 Global Financial Crisis." Thesis, University of Kansas, 2014. http://pqdtopen.proquest.com/#viewpdf?dispub=1569692.

In the two decades prior to the 2008 financial crisis, the Mexican government pursued policies aimed at liberalizing markets, while simultaneously trying to ensure the stability of the peso. These policies consisted of monetary and fiscal controls to keep inflation low and free trade agreements to reduce Mexico's dependence on the United States. The policies significantly reduced the country's public deficit and were implemented in hopes that they would help reduce the country's exposure to currency crises.

Yet, despite all provisions the Mexican government put in place, the country's peso still lost two percent of its value in the first three days following the bankruptcy of Lehman Brothers, the US-based investment firm. The loss was significant given the average appreciation of the peso in the months leading up to the crisis was one percent per month, and given that not enough time had passed to fully understand the impact that bankruptcy would have had on Mexico. By the following Monday, the peso recovered all of its lost value, suggesting that investors were uncertain about the true impact the events unfolding in the United States would have on Mexico's economy. It also suggested that the uncertainty and negative sentiment within the market during the initial week of the global crisis played a stronger role in the rapid depreciation and recovery of the peso than changes in market fundamentals.

Using an inductive analysis of the historical events, this thesis suggests the circumstances in which sentiment engendered by mainstream media and distributed through digital channels during the financial crisis could have contributed to the dramatic short-term swings in the price of the peso. Specifically, this paper focuses on the new, digital information technologies, their use among investors as a means for financial research, and the role of high-frequency trading (HFT) algorithms in initiating information cascades. HFT algorithms account for nearly 70 percent of daily trading volume in financial markets and can magnify negative market sentiment among rational investors. Utilizing historical trading data for the peso and headlines and tweets published by the Thomson Reuters news group during the crisis, I seek to illustrate the correlations between market sentiment manifest in digital media and the price movements of the peso, indicating possible herd behavior tendencies in the form of information cascades.

Though it is not possible to empirically separate the market movements of informed decision-makers from the information cascades of investors and HFT algorithms reacting to media, the fact that information cascades can and do exist as demonstrated by specific examples in this paper has significant implications for the Mexican peso. The existence of information cascades implies that having strong macroeconomic fundamentals is no longer an adequate safe guard against the immediate impacts of external crises. As social media becomes the main source of breaking news and market sentiment for mainstream media and investors, it becomes vital for emerging countries such as Mexico to monitor social platforms for sentiment related to the domestic economy in order to proactively address investor pessimism. Finally, emerging country governments can utilize these platforms to push out relevant and truthful information about the economy in order to diminish investor uncertainty and minimize the impact of externally-induced information cascades.

Financial Crises and Government's Policy Responses

Financial crisis, policy.

Research Paper Topics

Please upload your paper title and abstract. Your abstract should include a single, the most important research question and your argument.

110 thoughts on “ Research Paper Topics ”

Title: Italy Bailed Out? This paper will focus on the European Union’s highly publicized bailout plan for Spain and Italy. Following the recent financial crisis, Italy found its government buried in debt. In order to prevent a snowball-effect throughout the continent, the EU decided that immediate economic intervention was necessary. The resulting proposal: a 60 billion euro bailout (roughly 80 billion USD). There are many questions and criticisms surrounding this plan. Needless to say, the impact and possible ramifications it may have on the country are extremely significant- in both the short and long-term. This paper will examine how the bailout is implemented as well as some of the political and economic policies that will surely arise from it.

Is this your final research paper topic? Your argument, then, is missing. Of course, your research question is also unclear.

correction: 600 billion (though some sources suggest that figure to be even higher)

The Presidential Economic Policies

Americans find themselves in a tough economic position, the debt is through the roof, the unemployment rate is superfluous, and the economy is crumbling beneath our feet. In my paper, I will be focusing on the economic policies that the current presidential candidates are focusing on. In my research, I will be analyzing both the Democratic and Republican policies for fixing the 2007-2009 global financial crisis. I will explore the history of many previous successful policies passed by former presidents and offer an analysis as to the negative and positive effects of such policies. I will also examine the policies put in place by President Obama and offer their weaknesses and strengths, and determine why they ultimately failed. I will discuss Mitt Romney’s economic policies and determine, with evidence, why he is the clear choice for president on the basis of economic growth and recovery.

Don’t discuss various policies. Pick one and analyze it thoroughly. This post was before I announced the paper guideline, so I understand. But I can’t see your main research question and argument.

Before I knew what the guidelines for this specific topic were, I actually wrote out my beginning introduction paragraphs and emailed them to you. I would like to hear what you think about how I started my research paper and any criticisms you have.

If the policies wont work out, Obama will again come up to people and will say I am only 10% responsible. Its a pretty good topic.

title: Economic stimulus package boost U.S economy two economic stimulus packages were signed into law by president. Economic Stimulus Act of 2008 was signed by president bush, American Recovery and Reinvestment Act of 2009 was signed by obama during the global financial crisis 2007-2009. the aim of the two act are taxt cut, i will organzie my paper into two parts, the advantages of economic stimulus and the disavantages of economic stimulus.

Where’s your argument? I can’t see your argument.

my argument would be: someone support tax cut, but there is someone against tax cut by saying the tax cut would only work if there is no crisis to boost up economy. i will argue this controversial topic on tax cut policy from its postive and negative sides based on my research, and make my own conculsion.

Still, your argument is not clear. Do you support tax cuts? Choose either pro-tax cut or anti-tax cut position and try to convince your position by providing some logics or empirical data.

In the end, it is a matter of what kinds of tax cuts may be more helpful for economic recovery (boosting investment or consumption), not the level of tax cuts.

while i am writing my paper, i developed my argument to be : Is the stimulus package going to boost the US economy or is it only benefit the minority interest group.

Cyprus and Almost Avoiding the Recession:

How a small EU Nation went from nearly walking by the financial crisis to junk bond status, a “questionable” Russian loan, in the works IMF/EU bailout, and its infrastructure disaster (and the likely source of it’s own demise).

Looks incomplete! Please provide your main research question and argument!

The Question: How did Cyprus, which seemed to have progressed despite the Euro Zone financial crisis, just slipped drastically to recession and to junk status?

Argument: A major infrastructure failure (and the subsequent policy response) systemically destroyed productivity and laid the nation with aggresively growing debt

OK. Hope you can provide convincing information to support your argument.

1) Why did South Korean government implement different economic policies to the recent financial crisis compare to the1997 crisis? 2) The reason why South Korean government implemented lower interest rates and loosened fiscal policies during the recent financial crisis is because of financialisation and the faith in “accumulation of foreign reserve” 3) First, I will talk about economic conditions and context of these two financial crises that became precursor to two contrasting economic policies. Then, referencing these two different conditions, I am going to delve into financialisation and the faith in “accumulation of foreign reserve.” Explain why accumulation of foreign reserve is a good defense to crises as opposed to balanced, minimal accumulation of foreign reserve. After, I will compare several empirical data from 1997 and 2007, and discuss policy implications. Lastly, based on my arguments, I’m going to propose policy prescriptions for South Korean government.

What do you mean by financialization? Also, it may be difficult to link “accumulation of foreign reserves” and Korea’s monetary policy. The existence of foreign pressures, specifically, the IMF program was a critical factor in the 1997 crisis.

Quantative Easing Failure and Detriment (working title)

Paper will discuss QE 1 and 2 primarily and show that both packages had only negative effects on the US economy. The research will be on the concept of “The Dollar Standard” and the confidence that is being eroded by wrong monetary and fiscal policy.

How can you prove the counterfactuals? In other words, what if would have happened, if the U.S.Government did not take QE 1 & 2? Do you think that the confidence on the U.S. dollar would be still strong as before?

The proof is actually a lot simpler, all I did was follow the money and came up with a simple answer: most of it went to paying off debt to unions (in the case of GM) or bailing out banks/insurance company so almost none went into increasing production. The confidence aspect is a bit harder to quantify because even with 0% interest rate foreign investment is still pooling in.

http://www.forbes.com/sites/greatspeculations/2012/09/04/fed-is-killing-the-recovery-with-quantitative-easing/

I have almost the same topic and I think it can help you too.

Amendment: After some thought I’ve altered my argument to: Quantative easing was done for political gain with no regard for long term economic growth instead we had short term economic “benefits” around the time of elections. Also known as The Political Business Cycle.

title:Monetary Union and The Loss of Competitiveness in Eurozone. , why couldn’t the current monetary policies of the European Union provide the monetary stabilization of Euro zone and help trade deficit countries such as Greece?

Most members of EU lost their monetary policy independence with monetary unification or converting to a single currency. Although this had many advantages it brought many problems with it. Most important one is how it resulted in loosing the competitiveness in euro zone. Paper will discuss that policymakers EU concentrated mostly on fiscal problems while ignoring the primary reason behind it , the competition problem

So, what’s your argument? The monetary union itself (creating a single currency) was the problem? Please state your core argument more clearly.

my argument is that the monetary union indirectly caused the problem. In other words, it caused the eurozone to lose its competitiveness which became the fundamental root of the current crisis

As we discussed, check out the trade balances among Eurozone countries to support your argument that the Eurozon in the end will collapse or cannot maintain its current form of union.

Check out the November 17-23 issue of The Economist it has a great special report on France also couple it with the special report on Germany vs Greece published in August.

Research title: Did Obama Government Solve Financial Crisis?

Few weeks ago, there was Presidential election and President Obama won the election with quite big gap with Mitt Romney of Republican party unlike many people expected 2012 Presidential election would be close match. President Obama will keep position again. During election period, Romney kept emphasizing that America’s economy did not get over crisis yet and Obama government’s plans during last four years were not worked well. President Obama refuted Rommey’s arguments with all kind of numbers but people were not sure that their economy status was improved because financial crisis is still going on now and Obama government’s plan does not look enough reformative as people expected. Americans voted for Obama because they expected that Obama could reform and change America in good way for citizens. However, people were disappointed when President Obama appointed Timothy F. Geithner who is from Wall Street as United States Secretary of the Treasury as previous Presidents had been appointed Secretary of the Treasury in favor of Wall Street. Purportedly, some people said Geithner had already been nominated for Secretary of the Treasury by Wall Street even before the Presidential election in 2008. Result of Presidential election, whether Obama would be elected or John McCain would be elected in the Presidential election, was not the matter for Wall Street according to their opinion. They said that President Obama is just Wall Street’s puppet that was under control of Wall Street. Not only nomination of Secretary of the Treasury, but also chairman of the United States Federal Reserve was disappointed. Current chairman of the United States Federal Reserve is Ben Barnanke, who served as chairman of President George W. Bush’s Council of Economic Advisers then chairman of the United States Federal Reserve, was re-nominated by President Barack Obama in 2010. We cannot blame President Obama for financial crisis. Financial crisis happened before President Obama took office. However, we can blame President Obama if he did not do well for economy recovery because President is the one who expected to solve this desperate situation for the citizens. Why Obama administration could not get over current financial crisis in the first term? Why they could not provide proper solution for the citizens who are suffering from financial crisis? Is Obama administration not enough reformative because Obama government so called “Wall Street administration?” This paper is going to talk about whether President Obama’s economy policies to deal with current financial crisis work or not and why achievements of his policy are not revealed clearly. It would be possible to think the reason would be President Obama is not enough reformative or he is too close to Wall Street. However, if we look at President Obama’s policy closely, we could see President Obama keeps trying to solve this crisis. We just cannot see right now. We just spent four years to make correction for long-term. We need more time to make problems correct. There are two major reasons we cannot see achievement of Obama administration right now. First of all, seeing the effect of every kind of policy to solve the problems that had been built for a long time takes time. It should be long-term policy to solve long-term problems. Secondly, situation is so complicated because many domestic and international organizations are closely related. We cannot consider only our domestic market. Our domestic market is related to international market and international politics. Because we need to concern international relationships also, it takes much more time than when we just consider domestic market. So, we need more time to make correction for our financial crisis which is structurally built for a long time. That would be why people re-selected President Obama.

First, you have raised too many questions: “Why Obama administration could not get over current financial crisis in the first term? Why they could not provide proper solution for the citizens who are suffering from financial crisis? Is Obama administration not enough reformative because Obama government so called “Wall Street administration?”

Second, your questions are too broad. I don’t know how you can handle these questions in a 10 page paper. Narrow your questions and make a concrete one.

Third, as your questions are too broad (and vague), you can’t provide a specific argument to that questions either.

Hi, Just my own personal opinion but I think the topic you raised: “This paper is going to talk about whether President Obama’s economy policies to deal with current financial crisis work or not and why achievements of his policy are not revealed clearly”

I think that topic is enough for a 10 page paper. You’d have abundant issues to comment on and it could help you focus,

I like this topic as it is closely related to mine, We need to just keep our own ideas in mind when actually writing the paper so that it isn’t too closely related and that our ideas don’t overlap. I think you have a strong concept of what you want to write about, however, the only criticism I have is that you raise to many questions and I would avoid that in the full paper. Try to stray away from a question/answer paper.

Why haven’t The Bush tax cut produced the desired effect?

The bush tax cut which is essentially tax cut for the wealthy has not produced its desired effect because those that benefit from it don’t reinvest the money in businesses in America to create jobs.Instead they continue Outsourcing the jobs they could have created in America to places where cheaper labor and less goverment regulations exist.These countries are predominantly third world countries as well as emerging markets like latin America,Asia and so on.

Check out the specifics on the Bush tax cuts and their beneficiaries and economic effects throughly.

Be careful when gathering information on Bush anything the information is so biased. GDP went from 10 trillion in 2001 to 14 trillion in 2007 that’s including the 2000-2001 dot com crash. Investment recovered back to 2000 levels only by the end of 2003. Same goes for GDP growth rate and exports. Then if you look at statistics, unemployment remained around 4-4.5% and employment growth was around 1% again this was during the dot com crash.

Also point out that the Bush tax cuts also included cuts for other income classes lower than the wealthy. Maybe also include WHY those cuts weren’t permanent and had a sunset provision. Current discussion is only pertaining to +250k and never the lower portion.

U.S policies on “Financial Innovations”

Some people say money is the root of all evil; some say it is the key to happiness and affluence. What we do know is that money is extremely essential in this world today and that’s why a government’s macroeconomic policy is crucial to a nation’s success and that is why some people say it’s the government’s job to be the watchman in the background or the referee when it comes to the economy to ensure fair play. However, this is not always the case. Over the past few decades, banks started using “Financial Innovations” such as secularization to help boost their profits as greed triumphed safe investments. This ultimately lead to their downfall in the 2007-2009 economic crisis. After trillions of dollars lost in the global market value, how can Congress prevent another catastrophy such as this?

How can you handle the question? I’m very concerned whether you can write an empirical paper on the topic. Let me know more concretely how you’re going to handle the topic.

Also, your argument is missing.

I really like this topic and I am interested to know how you approach the paper itself. I would actually like to read this paper just to see what kind of ideas you have that would help the economic crisis, and how you feel congress should act.

I assume when you mention when you securitization, you are referring to Mortgages. You should recall in your paper that those “innovations” started in the 1980s and reason why they became problematic only (or openly) in the mid-late 2000s. (And the according legislative acts between them whether they addressed them or not, or had stemming implications)

Title: The Impact of Deregulation

Topic: This paper will tackle a difficult subject: Why did the asset bubble occur? It is evident there are flaws to the structure of our financial system. I argue that in the past decades, the crisis was closely related to financial deregulation which has had the unintended consequence of destabilizing the financial system. Regulatory failure in the face of the evolving structure and role of financial institutions is in need of repair. However, regulation reform is no easy task; the wrong decisions may well make future crises more severe, while regulations that are too heavy can stifle financial efficiency.

What specific deregulation policy you want to explore in detail?

How about investigating the dissolution process of the Glass–Steagall Act? This is an essential part of financial deregulation proceeded for the past decades.

What was the intention of the “deregulation” (specifics?)? If there was a regulatory failure, was it unenforced regulation or regulation that could never sustain or actually promote “market failure” (is it a market failure when regulation encourages or misses?)?

Was efficiency encouragement the problem?

Why didn’t the first time home buyers tax credit generate the intended effect?

It is clear that the tax credit did slow the drop in home sales and prices. But it only had that effect for a short period. What seems to have happened is that the tax credit encouraged families who were planning on buying a home to speed their purchase up to benefit from the credit. In essence, it created enough incentive to get buyers who were planning to purchase a home in late 2010 or 2011 to buy in 2009 or the first half of 2010 to get the credit. This slowed down the deflation of the Housing Bubble, but did not stop it. Why? Because homes were still too expensive in terms of the long-term price trends and income levels.

OK. But it looks highly technical. I wonder whether you can handle your argument well empirically. You need specific data and analyses on the long-term price trends and income levels to support your point.

But, still, honestly, your argument does not includes any political implications or factors. I expect a bit more political economy oriented argument and analysis. For instance, why did the tax credit was not prolonged further? Why not launched more aggressive tax credits?

I agree with Professor Kang that you should incorporate a little more politics when discussing this topic, also it seems like a very difficult topic to discuss for ten pages. See how you can expand on this topic so that it reaches the minimum page requirement while staying true to your topic.

You will have to look at the initial spur in housing demand. What caused or encouraged it? Agreeing with the professor on technicals, analyze how the precursor compares to the tax credit (I’d include the mortgage interest deduction) all the while overlaying the market sentiment at each time.

Was there even a “housing bottom” as some like to say? You’d have to make an assumption of what range a house would have to be. I’d probably do analysis on a a hard hit market like Las Vegas or South Florida and overlay trends with legislation and tax code.

Why should Greece abandon its current austerity measures in favor of a more expansionary fiscal policy?

Greece has been in a recession for five years and is suffering from an unemployment rate of 24 percent. The country has been implementing its austerity plan since 2010 and it hasn’t helped at all in getting its budget deficit under control or spurred economic growth. Many economists say that its only making matters worse. Greece’s austerity plan has slashed the minimum wage, pension and benefits. These measures have incited protests and work stoppages. During the recession austerity measures are lowering consumer demand and cutting public spending hindering any growth. Greece’s economy needs a jolt in the form of government spending to get its economy on its feet.

So, you support the fiscal independence of the Greek government? In other words, withdrawal from the Eurozone, right?

If this is the case you want to explore in your paper, you need to figure out some key questions: The withdrawal from the Eurozone, is this a viable option to Greece? If so, why? If not, why not?

Think about applying the political problem of the “impossible trinity” as your analytic framework.

Title (working): Greek and German Austerity/Competiveness

Central question – Why is it difficult to implement austerity in Greece?

To answer this question this paper will compare the current situation in Greece with the restructuring/austerity that Germany underwent in the early 2000s across two broad categories of factors: economic and political.

Economic factors would include the actual amount of austerity underwent in terms of budgetary changes and unemployment directly resulting with them, as well as the amount of competitiveness gained, scale of privatizations (if any), as well as any decreases social spending or changes in how it is administered (in the German case the work-pay welfare system). Another significant factor is the way in which the national economy interacted with the outside world: if the country already has an industrial export base (Germany) and the austerity occurs in a positive world economic environment then it is likely to result in greater economic growth and thus less resistance. The opposite seems to be the case for Greece, on both sides of that relation.

The political situation would also be considered. A right-wing government or a centrist government is actually in a relatively poor position to carry out austerity, even if it is ideologically more predisposed towards that. A left-wing government is better positioned, as unions are less likely to resist it: they would have no one else as a political representation (discounting numerous revolutionary Marxist organizations who are forever waiting for just such a thing!). Another important consideration is whether or not the austerity program can be explained as something that is being done by the nation of its own free will and for its own benefit or if it is something that is being forced in from the outside. Is it against all of us or just those in the unions that benefit too much at our expense?

Looks promising!

How about just comparing the budgetary change for the economic comparison? For instance, what spendings were reduced or abolished (adjusted) in both cases, especially as to social welfare spending.

And then, you can compare the politics (both internal & external) behind the budgetary change in both cases.

Timothy Yohannan Why wasn’t the SEC able to foresee the financial crisis and prevent it from happening? In the future due to all unsteady and increasing debts for most advanced countries. In 2035 the debt will be through the roof and the global economy can’t operate with a major county such as the U.S with this type of liability. Why aren’t current policy makers able to pass regulatory laws that will prevent crisis? I believe that entities and the national government need to create regulations so that firms do not create bubbles and drops in the market. Political ethics and partisanship play a big factor in economic policy. The effect of regulation will impact businesses on their ability to maximize profits.

Which one is your main research question?

“Why wasn’t the SEC able to foresee the financial crisis and prevent it from happening?”

“Why aren’t current policy makers able to pass regulatory laws that will prevent crisis?”

Probably the latter question may be more promising. If you’re more interested in the regulatory reform, which has not been so satisfactory so far, try to focus on a key regulatory issue. For instance, reforming the SEC’s supervisory function on the financial transactions, especially on financial derivatives or creating firewalls among different financial sectors, or reforming the credit rating system or one of specifics of the Dodd-Frank Act. And then raise a specific “WHY” question. For instance, why wasn’t the original firewall idea properly included in the Dodd-Frank Act? Why wasn’t the credit rating system (or regulations on financial derivatives) reformed further?

As you may know, too much regulations can suppress the development or innovation in the financial markets, but too loose regulations can cause financial crises, like the 2007-08 crisis. So, creating a balanced model of financial regulation and supervision is important, but it is very difficult. How about trying to figure out a topic that has made it difficult to reform the existing financial regulatory system?

If you’re interested in the SEC functions, specifically check out what reforms have been carried or not carried out and why.

Title: Are unconventional monetary policies effective? Abstract: The global financial crisis, which is still on going, of 2007-2009, has been deemed one of the worst recessions this world has ever encountered. The United States, being the most economically successful country, has endured a painful recession that has been felt across the world due to the interdependence the rest of the world has with the United States. Under what policies did we employ that got us into this financial crisis? In this paper, I will focus on quantitative easing, the pros and cons of such an unconventional monetary policy, and what affect it has had in the past and the outlook of the future. Why is it that this unconventional monetary policy has been effective in the past but now the Federal Reserve Bank is struggling now to maintain this policy? How much easing is too much? Is there a limit as to how much help the Federal Reserve Banks can help the economy? Is there a point where the intentions to help wind up counteracting and making the state of the economy worse? I will address these issues and provide existing arguments as well as offering some insight in regards to what early economists would suggest.

All of your questions are related to policy effects of QE. But it’s a difficult to evaluate at this stage, whether it was effective or not. (Please read my comments on other QE-related topics). I understand that you’re interested in real policy effects of QE. But it’s too early to tell.

Instead, you may need to figure out first why unconventional monetary policies were taken for the past years. If you formulate your main question like this, you may point out a couple of political economy factors. Among those various factors, you can focus on one primary factor to explain it.

Or, if you’re interested the effects of QE, an interesting puzzle is why the U.S. government has adopted QEs repeatedly. A couple of factors we can think of this question as well. You can pick one core argument and analyze it further in your paper.

Title: 2013, The end of the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010?

What are the possible implications of discontinuing all of the tax deductions that were implemented within the Job Creation Act of 2010 in order to keep the middle class afloat in the midst of the financial crisis in 08-09. Most of the provisions were made in 2 year intervals therefore 2013 is a significant year where the fate of the Act might be in danger. The act included provisions such as keeping personal tax rates in their pre-2001 levels in addition to social security tax rates being reduced 2 percentage points as well as many others. These provisions provide a myriad of benefits to the middle class and the small businesses, so I will focus on the possible implications of the discontinuation of the “Bush” era tax cuts specifically the Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010.

I’m confused. Which issue are you focusing on? the Job Creation Act of 2010 and its expiration? Or the “Bush” tax cuts and its discontinuation?

Whichever your topic, I can’t see your main research question, formulated by using a “WHY” question. What’s your puzzle?

I guess, in your case, for instance, you can explore a question: why did the Obama administration made a 2-year (a relatively short-term relief), despite the prospect of the prolonged economic downturn or deflation? Do you think the 2 year grace period was enough to tackle the economic severity related to job creation? If you think the grade period was too short, probably, you can explore further what political and economic factors contributed to such a short-term grace period in the course of legislating the Job Creation Act. And then you can stick to the most primary reason or factor to explain it.

The Gramm Lech Bliley Act

Bank balances and account numbers is one piece of information that most would think is private. What people didn’t know was that their information was the one that was normally brought by banks, credit card companies and other financial institutions. The Gramm Lech Bliley Act of 1999(GLB) was passed to repeal the Glass-Steagall Act. How did this act become an act, is the question asked. The argument that is to be shown in this paper is, has this act helped us or has it affected us to become where we are now? There are problems with the GLB stating that it doesn’t help out the consumers. The GLB act allows states to formulate protections that exceed the federal law. The state question is whether to allow opt-in standard sharing or whether to create protection of information sharing. In the first part of this paper I will discuss the background of the act. What is meant to happen with this act in America? The second part of the essay will discuss how it was legislated and what it has done to America. The third part of the essay will show you how it is being enforced today. Lastly, I will discuss my arguments on this Act and what I think it has done to America.

What’s your argument? Why did it pass?

How about focusing on the “political capture” aspect by Wall Street bankers?

Trusting Government A legitimate government is an essential part of any civilization. Living in a country where everyone is seen as equals has made me question why the bonuses given out by Wall Street firms have not seen a significant reduction when they had to be bailed out during the financial crisis? My argument is that the reason is regulatory capture, which has been noticed by many and even influenced the now popular Wall Street Movement.

OK. How are you going to show the “regulatory capture” phenomenon?

First, check out all the controversies as to the “ridiculously” high bonuses before and after the crisis. Probably journal search can give you much information on this.

Second, figure out how Wall Street financiers fought against popular criticisms for reducing the bonuses.

I really like your topic and I would like to know how you go ahead with your information and what you come up on your research paper.

Creating And Reforming New Fiscal and Global Policies (still working)

In the 21st century and the new age of globalization, one can see that there is much debate when it comes to the role of government in the economy. To our surprise we can still find that there are many who still believe in a liberal economy and still try to argue with the aged ideologies of Adam Smith. In this paper I will attempt to answer the question as to why the people of many nations are so afraid of government interference and, why many nations are so afraid to assume a more aggressive role in the global economy and market.

Many liberalist and free market radicals are opposed to having a government that protects and safe guards the economy. They believe that government should only provide public goods, and intervene only when there is no one else to provide protection for the well being of society. We can now see from the Financial Crisis of 2007-09 that the government bailed out many industries and imposed a stricter regulatory framework in which those industries should operate. In this paper I will explain that if the government reformed its policies, and used them adequately to protect all businesses equally, without being interested only in the big ones, the economy will fluctuate better and a future recession or economic downfall could be prevented. At the same time government needs to protect its nation’s local industries from foreign competition and also help those that want to go global and expand. The role of the government should not only be left to the most successful enterprises to take control, but it should only be the role of the government to provide more guidance and clear policies in how to control them to be fair to everyone else.

The idea of a nation or state that does not involve government protection and intervention in the market economy would just leave the economy in shambles and it would lead to the collapse of the economy. We can all agree that government plays a major role in the economy, but the problem is how the government should be part of the economy; should it only be part of the local market, and should it be tougher with global economy? In the first part of my paper I delineate how in certain parts of the world, as it seems to be the case of many developing countries, government should emphasize more in protecting its nation-state from the global economy with policies to protect its own local business from exploitation from international companies, at the same time, attracting these big businesses to work in their favor. In the second part, I will explore the idea of how many top or large corporations in the United States are dominating the nation not just economically but politically. Then, I will continue to find out why and how the government is so reluctant to take control with innovative policies that would bring more power to the nation. Lastly, I will propose ideas and policies that could work in the favor of a nation or state and keep to maintain a stable role in their own economy.

Great writing and very important topic!!!

But this is a book topic. It’s not appropriate as a short paper topic. How about focusing more on the second and third part and formulating a bit more specific research question?

Are you familiar with SuperPac? How about investigating political donation (or funding) pattern for the last Presidential election? Big corporations or rich people want to influence politics through various channels, and political funding is one good channel.

Of course, you can choose different channels (or sources) such as lobbying, if you have any specific case in mind. It’s up to you.

What is the mode of production? When you referred to American economy there were elements of both Capitalism and Socialism, a market economy can exist in both systems. Your proposal sounds like advocacy of a welfare state/socialism as the main mode of production.

maybe NEW FORM OF SOCIALISM, reforms that will work in the new age of globalization. But like professor Mkang has said this would be a book topic… who knows i may just write it! lol

Title: Quantitative Policy Effectiveness

Money plays a role in both iniquity and prosperity. In some people’s life money plays a role in iniquity, while in others it plays a role in happiness and prosperity. Due to the current economic crisis that began in December 2007, the money playing the role in happiness and prosperity seems very far-fetch. This paper analyzes the United States policy in response to the financial crisis of 2007–2009 by focusing on the United States monetary policy. To interpret the monetary policy, the paper will present the role of government acting in tandem, to prop up the financial system. To convey the point across, the analysis will show us the United States Federal Reserve System and other political entities trying to lower the financial crisis in various ways, but specifically with Quantitative Easing 1 and 2. The argument that I am going to discuss in this research is that why hasn’t QE 1 and 2 being so effective, along with what are the advantages and disadvantages?

Why did the U.S. government launch QE1 and QE2, and recently QE3 again repeatedly?

I think this question may be more suitable to explore further in the paper. It looks too early to tell whether QE1 & QE2 were effective or not . Of course, we can evaluate some economic effects (both negative and positive) of QEs, but most of all, we cannot evaluate QE policy properly because we cannot estimate the situation if QEs had not been adopted. In other words, do you think that the U.S. economic recovery would have been faster without QEs?

So, as to QEs, you’d better change your main research question which can be answered in a more straightforward way. For instance, why did the U.S. government adopt QEs despite strong counterarguments or concerns for inflation in the near future? This kind of question may be more manageable to explore in a short paper.

Alright I will go with the different question: why did the US government launch 3 QE?

Topic: Globalization and the need for International Regulation and Enforcement focusing on the International Market– the idea of creating a healthy global economy and the benefits it will have on the domestic front.

Why hasn’t this been implemented yet?

Globalization is no longer a choice for nations yearning for success, it is a prerequisite. We now live in a world of interconnectedness and there is no going back. We are linked economically, and socially. There is one prong lacking to make this a trifecta of “interconnectedness”—a political link. Within a world that has begun to function like an organism, where our domestic choices affect our international relationships, there is a need to establish international governance in order to promote healthy trading, in regards to activity and ethics. Why this has not been done yet is very clear. Countries fear they will lose their rights domestically—national sovereignty. However, with a lack on international governance overseeing trade, there are questionable things being done in the name of capitalism in other countries. It is regular practice where companies run away from tightly to lightly regulated jurisdictions to promote their market. They question if international intervention cause more harm than good for domestic development. A supreme international body with fully-fledged regulatory and supervisory powers over all financial institutions is the ideal solution.

Examples to consider: The Basle Accord of 1988, European Union (flaws, strengths, and where international enforcement could have strengthened this regional institution).

The Basle Accord was recently revised: Basle III. Probably you can explore the Basle Accord III: why the Basle Accord was revised in response to the current global financial crisis and why only some countries have complied with the new Accord so far.

Of course, by exploring the case, you can discuss the broad theme you have raised in the draft.

You may want to look at the Basel III accords pertaining to US regional (local banks who aren’t broker/dealers) and their interesting impacts on holdings of soverign debt. ( i do not know the basis on non-US but I imagine they are similar)

IE how does Basel III and say (at random) Apple Bank of NY and foreign debt?

Interesting topic. I like how you described the economic/social/political links of interconnectedness as a “trifecta.” Just remember to mention somewhere in your introduction how you will organize the contents of your paper. Also, a word of advice – consider revising the passive voice “Why this has not been done yet is very clear” into the active voice “It is very clear why this has not yet been done.” Good luck.

Paper question: How has the residential, as well as the commercial real estate market healed prior to the 2008 market crash and how can it continue to sustain a positive future? Argument: The real estate market has shown wide varieties of change for the positive after the 2008 market crash. As we are currently living through a ‘buyers’ market, I will discuss why we will see a positive sustained future in NYC real estate, as well as outline the key points that could suggest a possible ‘bubble’ again in the housing market, and prove them to be false.

“Healed” prior to the 2008? Probably it’s a typo of “heated”, right?

First, NYC is a special area where always demand exceeds supply in the housing market. So, I don’t think you can generalize your point only by investigating the NYC case. Of course, you can’t prove the falsehood of future housing bubbles in the U.S.

Second, if you’re going to explore the NYC case, try to investigate more specifically on city’s policy toward the housing market in NYC.

Third, as I have repeatedly suggested, please reformulate your main research question by using a “WHY” form. For instance, why have not the real estate market in NYC affected greatly from the subprime crisis? You can highlight some unique aspect of the housing markets in NYC. Of course, don’t jump on rash generalizations based on the NYC case.

Topic: Government of the people or for a selective few During the 2007-2009 financial crises the U.S government went head first into the crises in order to try and stop the bleeding (prolong suffering). The government implemented a number of different strategies to prop back up the financial system with the Treasury, Federal Reserve, and The Federal Deposit Insurance Corporation all working in tandem to elevate the crises. The approach in terms of policies taken by the government was that of government intervention on a large scale. However with this enormous injection of money by the government into the failing economy as a way to save some of the major financial institutions from going under, the government never considered nationalizing these institutions. Why was this so? With government literally pulling these Banks and companies out the pits of destruction with its monetary policies. It was only logical that the government nationalize these institutions so they could be properly managed until the government felt it fit to privatize them again. Some critics to this theory may say nationalization of companies is in stark contrast to what a free market should be like or that nationalizing these companies effects democracy directly. But when companies and Banks are allowed to grow to a level where their mismanagement can lead to an entire economic crisis, then the government needs to react and do so authoritatively. In my research paper I will be examining the reason for the 2007-2009 financial crises and how involved were these big companies in causing this crisis. Secondly I will be analyzing some of the arguments against the nationalization of major companies and offer my critiques. Lastly I will set out reason why I believe nationalization of companies deemed Cooperate giants even if it’s for a short period of time can prevent future financial crisis.

It’s an interesting puzzle. But your argument is not provided yet. Why didn’t the U.S. government nationalize banks?

The first section that plans to describe the background of the 2007-09 financial crisis won’t be necessary too much. Shorten that part. Instead, focus more on the debates on the nationalization issue: different logics that supported nationalization and anti-nationalization. And then provide your view, probably, supporting the nationalization option and convince me why it was a better policy option.

BTW, your draft needs much polished in terms of writing style. There are already many awkward expressions and ungrammatical expressions. Do proofreading and editing before submitting your final paper.

Rescuing America  

The economy was at a free fall by the end of 2008 and it was impossible To deny it, the economy needed a fiscal Stimulus Plan quickly.There had to be some drastic changes soon because the U.S collapse had also the potential to collapse the global economy . After a ten year period of cutting taxes and Increasing spending failed policy that lead to a 6 trillion deficit, president Bush was soon leaving the office and ready to Handout a new elected president a disastrous legacy . The new President had to accept from his predecessor a recession worst seen in 80 years, rising unemployment , a big deficit,failed cities, america’s reputation ruined, a war in Iraq and Afganistan and a FED that was about to go into bankruptcy.The stimulus plan was one of President Obamas first bill to pass, why did he considered it to be vital for Americas economy at that time?

In less than a month in office President Obama signed into law, without the Republican’s support,on February 17,2009, the American Recovery and Reinvestment Act of 2009 mostly know as the economic stimulus plan of $787 billion. the primary objective for ARRA was to rapidly boost economic growth, and save between 900,000-2.3 million jobs.The Act included direct spending in infrastructure, education, health, energy, federal tax incentives,expansion of unemployment benefits,and more benefits for americans. The Act also included long-term spending projects (e.g., a study of the effectiveness of medical treatments) and other items specifically included by Congress (e.g., a limitation on executive compensation in federally aided banks added by Senator Dodd and Rep. Frank). With Republicans against it, stating that it was only going to be wasteful,the stimulus package jolted the economy out of it’s coma and fixed the financial mess.

Consumers not spending lead to business struggling which made them reduce workers,then consumer don’t want to spend, which created a vicious cycle that the ARRA was designed to break. One of the best advantages of the stimulus is that we can all track where money was spent and how it created jobs by investing in  infrastructure, improved education to make America more competitive and giving”Making Work Pay ” tax credits to boost consumers confidence.

Good details on the Act. But I can’t see whether you’re answering the raised question properly: why did President Obama consider the Act so vital for the American economy?

Probably you may need to ask a slightly different question to include more political economy answer to the question. For instance, why did the Act pass so quickly (or easily) despite strong opposition from the Republican party? Or, why was the Act so comprehensive (in terms of covering scope)? Or the opposite question may be fine: why was the Act so unfocused or small scale, considering the severity of the crisis?

Check out more specifically which aspects the Republican party opposed to regarding the Act.

BTW, do proofreading and editing before you submit your final paper.

Should the US government set stricter rules and regulations for banks in order to prevent an Economic Crisis from happening again as in 2008?

I believe it is important that the government sets strict rules and regulations on US banks because the Banks have a large influence on the US economy. Without regulation, Banks would have the power to swing our economy for its benefit. It is not right that banks do not get audited. Such actions must be tamed through stricter regulations in order to protect the country’s economy and well being. This is important because it has a huge affect on everyone living in the United States. If these banks have so much power, then we must regulate their power in order to protect us as citizens of this country from being hurt by their greed. As shown in the documentary Inside Job, banks continuously disregard any regulations stated by the government. When caught in malicious acts, the heads of these banks are barely penalized, and in the end, it is the public that is most affected. In order to change this, the government must intervene and enforce its rules. The Dodd-Frank act claims to “protect the American Public” by regulating swap dealers and increasing transparency and improving pricing in the derivatives marketplace. Yet when Brooksley Born put out a legislation that it was necessary to regulate derivative trading, she was quickly shut down by The Federal Reserve’s Secretary Alan Greenspan. The first part of my paper will discuss the head banks and firms of America and how they were involved in the Financial Crisis. Secondly, I will go into what inside derivative trading is and how it was done. In the third section, I will go into what the Commodity Futures Modernization Act is and why it was implemented. In the fourth section, I will go into the different views of the CMFA. In the fifth section, I will discuss the Dodd-Frank Act and how it has been used. Lastly, I will gather all my research and prove why it is necessary to have government intervention in US Banks and firms.

“When Brooksley Born put out a legislation that it was necessary to regulate derivative trading, she was quickly shut down by The Federal Reserve’s Secretary Alan Greenspan.” Why was it shut down? How can you answer the question?

I understand you’re interested in the CMFA and the Dodd-Frank Act, and more broadly financial regulatory reforms. But, I expect only a 10 page paper, which focuses on a concrete question with a clear argument.

So, I guess it may be enough to focus either on the CMFA case or the Dodd-Frank Act. As to the CMFA, you have already raised a key question to explore. If you’re interested in more recent financial regulatory reforms, you can check out the Dodd-Frank Act and explore why certain regulatory reforms have not been properly included in the Act. Of course, choosing a topic of your paper is entirely your decision based on your interest.

The U.S. government’s macroeconomic policy in response to the global financial crisis of 2007-09 is a subject of deep contention. My particular topic is that of America’s hegemony, which is important because of the vast political and economic responsibilities/burdens which come along with carrying the distinction for being the world hegemon. To be more specific, I will be exploring the impact of the global financial crisis on the hegemonic title of the U.S. Many political scientists and economists are debating over the answer to the following pressing controversial question. Did the global financial crisis of 2007-09 weaken the United States’ hegemonic position in world politics/economics to the extent that other countries or regions (i.e. China or the European Union) will overtake the U.S. as a direct result of said crisis in the next couple of decades? In short, my argument is that the answer is no. I will be elaborating on my position throughout the course of this paper. Many intellectuals disagree with my argument, and insist that the U.S. is now weakened to the degree that an alternative political-economic player (or multiple players, for that matter) will surpass the U.S. to become the next new hegemon(s). They will posit the idea that the global financial crisis has wounded the political-economic capabilities of the U.S. so deeply that after the next several presidential election cycles, The People’s Republic of China or the European Union may be the subsequent imperially dominant geopolitical state. However, I firmly believe that this is not the case. The contents of this paper will be organized as such: the initial portion will investigate the conundrum of the paper; the penultimate segment will assess present perspectives, while providing my own opinions in contrast with extant judgments; the final component will supply empirical evidence to reinforce my thesis, before I conclude with a discussion on policy implications of my analysis.

ah, the indents didn’t go though.

paragraph 2 starts at “In short…” paragraph 3 starts at “The contents…”

OK. Your question and argument is clear. But a remaining task is how to prove your point. Which aspect you want to explore to support your argument?

Technology level, for instance, the number of patent? Quality of higher educational institutions? Superior political system such as the check and balance system (democracy)? Superiority of American liberalism?

Please let me know ASAP how you’re going to support your argument.

Why are economically weaker countries trying to resist austerity policy in order to resolve the European debt crisis?

Argument: The most important factor in resisting austerity policy is sovereignty of each individual European nation. Many countries feel as if especially Germany is trying to control and force countries out of the crisis by implementing strict monetary policy by limiting possibilities of receiving aid if countries do not follow up on the requirements given. These requirements include severe spending cuts within government institutions. This approach cripples negotiations from the very origin. Furthermore, because it requires a drastic shift within society and most citizens are not happy with that kind of change. This phenomenon then, lashes out to political leaders who are, in all European countries, voted in through democratic elections and therefore are not totally free from their domestic society.

Position: In order to resolve the European debt crisis austerity policy is not optimal considering the fact that each country is sovereign and no country is trying to be controlled by others. Countries have to be seen as partners and not enemies in order to resolve the crisis. Loosening austerity policy and implementing more government spending instead, is much easier to promote and negotiate in a union where 17 countries have to come to a consensus. Also providing more money to the market and promoting growth would benefit the Eurozone much more than trying to cut themselves through their debt. Considering the fact that there has been way too little growth to even tackle a slice of the debt accumulated over the years since the economic EU was formed. Germany cannot expect political leaders to fully accept the conditions put upon them because their career is tied to their countries public opinion. Germany benefited the most from the EU than any other country and therefore has to take the lead in the right direction, a direction that allows at least as much political unity than there is economic unity.

OK. I can get your clear position. But I wonder how you’re going to show the significance of “sovereignty” as an explanatory variable. In other words, how has national sovereignty made it difficult to revolve the current fiscal crisis in the Eurozone zone?

Who supports the austerity policy and who opposes to it? Try to figure out this issue clearly both at the Euro regional and at the domestic levels. And then choose a specific country case and issue (or sector) that can support your argument (& position).

SUB PRIME LENDING CRISIS and the involvement of financial institutions :

The American dream that many people know of was that of owning your own house and being called a home owner. That dream seems to be moving further and further from the hands of today’s generation. The main question of to my paper is why the financial industries were left to their own devices and creating a bubble that led to the financial crisis.

Greed and instability of financial institutions have made sub-prime lending which was to be helpful to those Americans unable to attain credit due to their jobs or history. Leading to banks to increase the long term interest rate to being double of what the value of the house is actually worth. Created to expand the American dream was made by financial and lending institutions as an easy way of creating money without the interference. Mortgage-backed securities that were made to difficult to understand and hide most of the insecurities and flaws of the sub prime lending. The flaws that the government had by not regulating and the question those financial institutions were left to do as they pleased due to the ruling of the Republican Party. did the SEC and other regulating companies ignore the signs that the private financial business and investors were leading the country to crisis.

The essay will discuss the origins of sub- prime lending. the creation of mortgage based securities through pooling and involvement of financial companies in the investing of sub prime mortgages. the fiscal institutions and their play in the misuse of sub- prime lending.

You and talked about this topic. But I can’t still get your main argument. on your main question: Why has financial deregulation (or more specifically securitization) been accelerated for the past two decades?

Review some existing views and then decide your position. Then, if you’re more interested in figuring out securitization, explore further how it was introduced and allowed before the subprime crisis of 2007-09.

Title: Why not Dodd-Joe? Why didn’t the United States government take on a more Keynesian approach, of creating jobs and tackling unemployment, rather than injecting large amounts of bailout money to banks? This paper investigates the action taken by the United States government in direct response to the financial crisis that occurred in 2007, focusing on the Dodd-Frank Act and its provisions.

Who is Joe? Keynes?

Your research question is good. But I’m not sure whether the Dodd-Frank Act can be a good example to explain the question.

Regarding your question, you can think of various factors such as ideological orientation of the Obama administration, electoral concerns (the last mid-term election), opposition from the Republican party (the Republican Party was the majority in the House), and some other economic factors as well. Out of various factors, focus on one critical factor that supports your argument.

At the current proposal, I can’t see your clear argument yet. Choose one and try to defend it.

Can i use the argument of bipartisanship? A divided house making it difficult to recover from the recession

Sure! It’s an important factor. Find some key voting records or gridlock situations to support your argument.

BTW, you don’t need to get my approval for your argument. Free speech is fully allowed for my class. It’s your paper, so your view (argument) matters more than anything else. If you think it is the key factor, just stick to it and try to convince it.

Why has a lack of bipartisanship slowed the recovery of Economic Reform during Obama’s first term?

Is that a better argument in itself

Why more quantitative easing is needed from the Federal Government? This past September QE3 was passed and although its results haven’t been felt I strongly believe more quantitative easing shall be done. Overall Quantitative easing is a stimulus to boost the economy be the federal purchasing a higher percentage of mortgages from big firms like Goldman Sacks to eventually lower interest rates so more people can qualify for loans. In the long run more loans being passed will drive the market positively. I, like Mr. Bernanke believe that three quantitative isn’t enough, the economy needs more to come in the near future to ultimately show drastic improvements in the economy. If no more were to be offered the efforts of past quantitative easing will be an effort wasted.

Why do some people oppose to the QE policy? I guess you want to argue against them, right?

If that’s the case, figure out the anti-QE view first and pick one of critical issues to argue against the view. For instance, inflation is the primary concern of those anti-QE viewers. On what grounds is this view wrong or should not be the primary concern? Do you think you can provide enough evidence to argue against this view?

Of course you can do. Inflation was just an example. Try to figure out those key points those opponents to the QE policy highlight to support their views and if your position is against them, pick one issue and try to argue again it by providing some empirical evidence.

You might want to examine the arguments against QE3 that stem from the “failures” of the earlier rounds of QE and Operation Twist.

If your focus is on more loans for consumers, you may want to explain why that is better for the economy instead of investment from savings or consumer debt reduction for example.

Research Question: Why doesn’t the Dodd-Frank Act eliminate the possibility of another financial crisis in its current form?

The Dodd-Frank Wall Street Reform Act was signed into law by President Obama on July 21st, 2010 as a response to the economic crisis of the late 2000s. It was held up as a savior, a financial superhero of sorts, that was supposed to bring sweeping change to an unruly financial industry. But as it stands, the bill does not appear to have the superhuman strength to prevent another economic crisis. This can be attributed to many factors which will be discussed in this paper.

Since being signed into law, the act has been stagnated with over 60 percent of it not actually in place. Lobbyists from large financial institutions have been working non-stop to roll-back or lessen the regulations within the act. And to be blunt, some of the policies within the bill may just be ineffective by nature. Due to its seeming inefficiency the bill has been subject to much scrutiny. Even Presidential hopeful Mitt Romney proclaimed that he would “repeal and replace” Dodd-Frank if he succeeded in winning the Presidency. But the Dodd-Frank Act is just what is needed to regulate current financial services and it is essential to the financial future of the United States. This paper will defend the strengths of the Act, highlight reasons much of the bill is still inactive and recommend ways the few weaknesses in the bill can be amended.

Firstly, I will highlight some of the important features of the bill and why they are so important to the financial health of the economy. Next, the paper will shine light on the reasons why most of the act is still inactive. Lastly, the paper will discuss measures that can be taken to save the bill, either from its own inherent weaknesses or save it from stagnation and get more or the entire bill active.

I can get what your paper is heading for, but I can’t quite get what exact target you’re aiming at: what is your main “WHY” question?

“This paper will defend the strengths of the Act, highlight reasons much of the bill is still inactive and recommend ways the few weaknesses in the bill can be amended.”

–> What strength are you going to defend? What weaknesses does it have?

As your main research question is still unclear, your argument cannot be clear yet.

Do review the Act ASAP, and pick one primary issue you want to explore in detail.

Randall Richards

United States of America: Will the Federal Reserve be the key to a future without any financial crisis?

In order to prevent another financial crisis like the one that took place in late 2007 there was a very important law enacted known as the Dodd-Frank Wall Street Reform and Consumer Protection Act by President Barack Obama on July 21, 2010. The financial crisis led to widespread calls for many changes to the financial system. In June 2009 Obama introduced a proposal to a major change of the United States financial regulatory system so that nothing like what had happened would happen again. The main components of the bill were the consolidation of regulatory agencies with the ability to oversee and evaluate systemic risk. There would also be more transparency and regulation of financial markets. There was also consumer protection reforms including a new consumer protection agency and uniform standards for “plain vanilla” products as well as strengthened investor protection. The other components of the law include tools for future financial crisis which include a resolution regime which allow for orderly winding down of bankrupt firms, and including a proposal that the Federal Reserve receive authorization to make certain actions. There were also various measures aimed at increasing international standards for the way financial trades were handled.

It’s a good start you’ve already checked out some details of the Act. But,I can’t see your research question or argument yet. For instance, “Will the Federal Reserve be the key to a future without any financial crisis?” Is this your main research question?

If that’s the case, how is this question is related to the Dodd-Frank Act? Of course, it’s related, but it’s not properly stated in your proposal.

Also, as your argument is not articulated yet, you couldn’t provide your clear argument to the main research question.

If you’re interested in the Act, check out the original bill first and how the original bill was revised or skipped in the legislation process. You can formulate a question why certain reform was not included (or inserted) in the legislation process.

Title: The Statist Revolution

Thesis Question: Since the first bailout in the United States in 1970 via the Penn Central railroad, has the United States accepted the statist paradigm as the new status quo?

The author of this paper will visit the historical analysis of bailouts within the United States through the lenses of the Marxist, Listian, Smithian and Keynesian perspectives. Through these analyses, the author will offer determine the necessity or lack thereof for bailouts and whether or not the trajectory of American Politics is a move in the direction of statism. The author will take a look into the disintegration of the Bretton Woods System/Gold Standard in it’s correlation with an increase in Government’s willingness to increase debt limits which may have provided ripened climates for said bailouts.

Finally, the author will visit the moral issue of using a form of reverse redistribution in the form of bailouts as a push for statism or driving force for more self regulating markets. This point would be discussed in speculating if there would have even been a financial system left for the collective to utilize or if was ethically wrong to socialize the losses of private finance firms under such incredibly self interested decision making.

“Has the United States accepted the statist paradigm as the new status quo?”

–> Is this your main research question? If you raise your question like this, your answer will either in the affirmative (Yes) or negative (No). It’s not a good way of presetting your research puzzle. I have repeatedly emphasized that you need to formulate your research question by using a “WHY” question. In your case, probably you may raise your question as follows: Why has the U.S. government used more frequently bailout options? Or Why did the U.S. government bailout banks despite strong oppositions to it? Or Why didn’t the U.S. government use the bailout option more aggressively? Or why has the U.S. government expanded its intervention in the economy for the past decades despite the growing dominance of neoliberal economic thinking?

Anyhow, your main research question is not articulated enough yet.

Second, you want to explore your topic “through the lenses of the Marxist, Listian, Smithian and Keynesian perspectives.” Which one is the primary perspective you support? Choose one and defend it against other perspectives. That may be a better way of presenting your argument with clarity. But first of all, you need to reformulate your research question and then you can decide your main argument to answer the question.

Third, various issues you raised in the proposal can be discussed briefly when you talk about the implications of your argument or the significance of your paper topic.

BTW, don’t use the expression “the author of the paper or the author”. Just use “I” when you have to use such expressions.

You may want to revisit the idea of bailout further, and what “bailout” means. Looking even not carefully you can see what what grants and subsidies existed far before the 1970s.

If viewing from those perspectives (which is a large task, you want to include an Austrian perspective for a firm “Anti-statist” perspective which may include in minimal state perspective Mises (far less than Smith) and even anarchist Rothbard (I think useful when comparing to Marx). This would be a fast growing idea in recent years, (check Paul Krugman for a “neo”Keynesian view on them)

My thesis for my research paper is that, I believe that QE3 (Quantitative Easing 3) will help the economy of The United Estates at a short term because it will lower the borrowing cost, but at the same time it will create inflation at a long term because it will decrease the purchasing power of the American dollar meaning that it will devaluate the country’s currency because more money will be available. Also I will analyze why it took a long time for QE3 to get approved and what kind of politics were behind the delay.

The last sentence “why it took a long time for QE3 to get approved and what kind of politics were behind the delay” looks far more interesting than the short-term or long-term effects of QE3.

What factors were critical for the delay? You can think of a couple of factors such as divided government, elelctoral strategy, ideological factor and others. Figure out existing views on the pros and cons on the QE policy and choose one core factor which will support your argument and you want to explore further in the paper.

Is this a supporting argument for QE3 or against?

thank you professor i think i would focus more in the last sentence, which it has to do with politics of it. i feel that a lot of these topics here overlap and most of the students are focusing more in the Economical part of Quantitative Easing rather than the political which it will be perfect for me to write about, i just have to research the material again. any web site that you would recommend?

thank you professor.

@ JustinDebois no i will focus in the politics behind the delay between QE2 and QE3

Banking crisis in the United States has affected us and the entire global economy. But what was it main cause?. Sub-prime crisis was the main reason of banking crisis. Banks started to make risky investments by giving financial support and credit to people so they can buy houses even when they did not have the possibility to pay them back. By having this risky investments, interest rate started to go up. Banks did not worry about this since they were earning more money. Banks also knew that debt can be sold and economic transaction by buying bonds or credit securitizations, subprime mortgages could be removed from the asset side of the concessionaire, being transferred to investment funds or pension plans.

Indeed, “by buying bonds or credit securitizations, subprime mortgages could be removed from the asset side of the concessionaire, being transferred to investment funds or pension plans”, as you described, the subprime mortgage issue has caused the entire financial system crisis.

I can see that you’re interested in the causes of the crisis. But it’s not clear yet what specific topic you’re going to explore in the paper. As your research question is not articulated enough yet, you can’t state your argument yet.

In your proposal, you said that “Banks also knew that debt can be sold…” Do you really think banks knew the problem of the subprime mortgage problem, but continued the risky business just subprime mortgage business was profitable to them? If your answer is Yes to this question, your view is closer to the “moral hazard” view. But if your answer is No to the question, your view disputes the moral hazard view. Which side do you support?

Those people who support the “moral hazard” view claim that banks, even regulators, knew the problem of the subprime lending, but they continued the business (or allowed it) as they expected that if the situation should go bad, they could get a bailout support from the government, as their economic scale is “TOO BIG TO FAI.” In others, banks knew that due to their big size or significance in the economy, the government could not let them go bankrupt.

If you’re interested in the deregulation aspect, you may explore a question: for instance, why did not the government (financial regulatory authorities) regulate (or supervise) the subprime lending? In this case, you can find good information on the “regulatory failure” aspect from the Commission Report of the Congress on the financial crisis.

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200 Outstanding Finance Dissertation Topics for Students

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Do you want to write a brilliant finance research paper? Are you looking for the top finance dissertation topics? If yes, then this blog post is for you. Continue reading this blog post and get exclusive finance dissertation topic ideas for writing your academic paper.

What is a Finance Dissertation?

A finance dissertation is a type of writing that mainly investigates a wide range of financial topics that includes healthcare, banking, risk management, the stock market, etc. In general, finance writing requires extensive research, and most importantly, you should know how to persuade your readers with your arguments or points.

Remember, by submitting an amazing finance dissertation, along with the top grades, you will also receive a high degree of academic knowledge in the finance field.

How to Write a Finance Dissertation

Are you confused about how to write an informative finance dissertation? Cool! Here we have listed some important finance dissertation writing tips and steps. Go through it and get a clear idea of how to write a strong finance dissertation.

Identify a topic

First, to write a finance dissertation, you must have a good finance topic. As there are plenty of finance dissertation topics available, make sure to narrow down your search to a specific niche and identify the best topic that is appealing to you. For testing the hypotheses, it is essential to have datasets. So, have it readily available before you finalize your finance dissertation topic.

Sketch an outline

After you have identified the topic, do deep research and sketch an outline of what you are going to discuss in your finance research paper. During this process, make sure to identify a problem of discussion or thesis statement and also verify the facts and figures associated with the problem by checking them with any reliable sources.

Write the dissertation

Have the outline you have prepared as your guide and begin writing your finance dissertation concisely by covering all the points discussed in the outline. When writing, remember to use the associated data at the appropriate places in your paper.

If you wish to write an excellent finance dissertation and score top grades, then be sure to organize your points coherently as per the general structure of a finance dissertation that includes the following essential sections.

• Introduction
• Theoretical and empirical literature, hypotheses development, and contribution
• Data and Methodology
• Empirical Results

When writing your finance dissertation, avoid using jargon that will confuse your readers, and present your final draft in a simple and understandable manner with the necessary key points.

Proofread and Edit

After you have completed writing the financial dissertation in the best possible way, proofread the entire content and edit the errors, if there are any.

Till now, we saw how to write a finance dissertation. Next, let us move forward and have a look at outstanding topics and ideas for writing a great finance dissertation.

List of Finance Dissertation Topics and Ideas

When it comes to writing a finance dissertation, there are thousands of finance research topics available for you on the internet and in finance books. But to choose the best topic, you need to spend a lot of time browsing. So, in order to save you time and help you, we have compiled a list of the best finance research topic ideas below.

Check the complete list and pick the best finance topic that matches your interest and the academic writing requirements shared by your instructor.

Public Finance Research Topics

• Debt sustainability in developing countries
• How to permanently improve and increase the scale of anti-crisis socio-economic policy planning
• Analyze the use of public funds in developed versus developing countries.
• Propose a method of analysis on the cost-benefit ratio of any government project.
• Impact of the exempted goods prices on the trade deficit
• The impact of the declining income and consumption rates
• Ways of measuring the cost of sustainability
• Investor penalties and their impact in the form of taxes and penalties
• The reliability of sovereign credit ratings for investors in government securities
• The evaluation of how taxes are used to increase revenue
• Public finance and poor management: what does it mean for the public?
• How the implementation of hedge funds can help increase the economy of a country.
• An assessment of the economic systems before industrialization and after industrialization
• The Influence of modernity and technology on government Financial decisions
• The world bank and its financial roles in an Asian country of your choice

Compelling Finance Thesis Topics

• The effects of the public finance sector on the international market
• A critical study of the US government in its financial systems
• Budgeting and accounting systems of the government of your state of choice
• The effect of Population explosion on public Finance.
• An assessment of the economic reforms in contemporary Russia
• How the government raises revenue through taxes and borrowing, and how the government disburses those funds.
• How the government plans, controls, and accounts for such activities through budgeting and accounting, as well as the design and administration of all of these functions.
• The impact of public sector activities on the economic behavior of individuals, firms, nonprofit organizations, and markets, and on economic efficiency.
• Compare and contrast the accounting and budgeting system followed by the government of Australia and the government of India
• Critical analysis of the theory and practice of government taxation
• Discuss the ways the government of a country raises funds through borrowing
• Critical analysis of the financial and budgeting systems of the UK government
• Develop a comparative analysis by describing the Finance Function of the government of the UK and South Africa
• Describe the UK public finances briefly
• Tax incidence; distortions and welfare losses: A study of the United States
• Discuss how a country’s government develops social insurance programs and the source of finance used in the development of these programs

Finance Dissertation Ideas for MBA Students

• Is taxation a selling tool for life insurance?
• Risk portfolio and perception management of equity investors
• Why is it important to have an individual investment?
• Evaluate the effect of the global crisis on using the line of credit in maintaining cash flow.
• Financial laws that prevent volatility in the financial market
• How to handle the credit crisis in financial marketing?
• Risks and opportunities of investments versus savings
• A Study on Cost And Costing Models in Companies
• Assess the intermediaries in the stock market and how they affect or improve market growth.
• A study of investment and the investor in the stock market
• Online payment: the risk and the growth of financial technology
• Advantages and Disadvantages of Cryptocurrency
• The study of stocks in the banking sector
• The Assessment of risk in mutual funds
• A critical assessment of risk management in internet trading
• A survey of investment preferences and strategies of real estate investors
• The study of debt patterns and how they affect financial accountability
• The financial risk of Chinese Communism
• Financial planning for a salaried employee and strategies for tax savings
• The Assessment of risk and risk patterns in Forex trading
• Impact of Interest Rates on the Stock Market.
• Empowering Women Through Microfinance.
• Determinants of Corporate Dividend Payouts.
• Impacts of Corporate Social Responsibility on the Firm’s Profitability.

International Finance Dissertation Topics

• How to stabilize international capital markets
• Exploring the monetary funding opportunities by the International Monetary Fund
• How to improve international capital structure
• An exploratory study on the management of support services in international organizations
• How internal auditing enhances good corporate governance practice in an organization
• The trends in the international economic systems
• An accounting perspective of the need for a theorizing corporation
• The politics of the international economy and how policies have political undertones
• The role of currency derivatives in shaping the global market
• A review of financial terms in the international context
• How exchange rates affect international trading
• A study of liberal international economy and its potential benefits to all
• A financial engineering perspective on the causes of large price changes
• What determines payouts and corporate dividends?
• What is the role of the International Monetary Fund in alleviating systemic poverty in beneficiary countries?
• A comparative analysis of Western markets and African markets
• Is business ethics attainable in the global market arena?
• Factors that affect the capital structure of Go Public manufacturing companies
• Regional integration and its importance in a capitalist or socialist environment
• The effectiveness of financial forecasts and their impacts on internal development
• Asian regionalism and international finance: a review of the literature.
• Role of international finance in global imbalances and financial crisis: a descriptive study.
• Management and transformation of policy stigmas in the domain of international finance: a systematic analysis.
• How can the global banking industry lower the negative impact of the recurring financial crisis in the global market?
• Develop a descriptive and analytical study on the role played by international finance in global imbalances and financial crisis

Read more: Interesting Dissertation Topics to Consider for Academic Writing

Business Finance Dissertation Topics

• How to start a business without money at hand
• Small business and medium-sized business: a Critical Assessment of investment choices, strategies, and risks
• A study of budget control, inventory management, and their roles in business growth
• How do price fluctuations affect business transparency and customer trust?
• A study of business preferences in investors
• A critical assessment of the theories of financial probability and how it affects business growth
• Striking a balance between risk and profitability
• Economical ways of negotiating for lower monthly bills
• An Analysis of the strategies employed by microfinance institutions which leads to Growth of business decline
• The impact of financial decisions on the profitability and the risk of a firm’s operations
• Why business managers should take advantage of the federal stimulus package
• How politicians can help small businesses make it to the top
• What are the standards of financial reporting and how does it improve business accountability?
• Advantages of creating multiple corporations for business entrepreneurs
• Benefits of Corporations to small scale business Ventures

Captivating Finance Dissertation Ideas

• Why taking the ratio of current assets to current liabilities is important to any business
• Why good liquidity is a vital weapon in the face of a crisis
• Evaluate the best retirement plans for entrepreneurs
• Why you should closely examine the numbers before making any financial decisions
• Strategies for improving your company’s online presence
• Brand evaluation for financial investment and customer satisfaction measurement
• Comparative analysis of NPA of public sector banks, private sector banks, foreign banks
• Evaluate the credit appraisal process in the SME sector of the United States
• The emergence of Initial Public Offers (IPOs) as an avenue of investment in foreign companies
• Analysis of the investment opportunities in the stock market with a special focus on Saudi Arab’s oil sector
• Analyses the effect of changes in companies’ credit ratings on equity returns
• Comparative evaluation of the most common strategies applied in mergers and acquisitions
• Comparative analysis of management accounting and cost accounting
• Describe the difference between Accounting and Financial Management
• Analysis of financial statements of Tesco Plc by using the ratio analysis technique

Corporate Finance Dissertation Topics

• Evaluate the effectiveness of corporate financing tools and techniques.
• How are corporate strategies related to corporate finance?
• Corporate finance decision-making in unstable stock markets
• Managing transparency in corporate financial decisions
• Organizational structure and how it is related to corporate debt rate
• Compare and contrast the different internationally recognized corporate financial reporting standards.
• Ways in which Governance influences corporate financial activities
• How does information technology impact corporate relations among companies?
• The effect of firm size on financial decision-making incorporates
• How different investment models contribute to the success of a corporate
• Financial Realities: What it Means for Personal Finances and corporate finances
• The ethical challenges of corporate finance and possible solutions for financial security
• Why corporate organizations should learn about accounting and auditing
• The problems and challenges faced by corporate organizations under the contemporary financial systems
• The importance of the knowledge of business finance for an entrepreneur
• The essence of valuation of cash flows in financial and non-financial corporates
• How capital structure and an organization’s funding of its operations relate.
• How technological connectivity has helped in integrated financial management
• Identify proper capital structure models for a company
• Business modernization: what has changed and what remains practical?

Finance Management Research Topics

• Crowdfunding: how has social media contributed to emergency financial assistance
• How financial growth relates to financial independence
• The effect of fiscal and monetary policy on controlling unemployment
• Loan granting and its recovery problems on commercial banks
• Financial security: the reality of a lie for middle and low-income earners
• A study of equity and technical analysis before and after investment
• A study of foreign exchange and the risk involved in such transactions
• Blockchain technology: what does it mean for the world?
• Assess the Financial and Strategic Implications for Acquiring Firms.
• Financial management practices in the insurance industry and risk management
• Security threats to effective management in banks
• The impact of shareholders on decision-making processes in banks
• The role of the capital market in economic development
• The effects of financial leverage on company performance
• How diversity in banks affects management and leadership practices

Healthcare Finance Research Topics

• An assessment of life insurance and health insurance and how it contributes to financial realities
• The Impact of culture and globalization on Healthcare Financing
• Achieving more value from managed care efforts in healthcare systems
• Strategies for increasing cash flow with a patient accounting review
• Improving profitability through accelerating philanthropic giving to healthcare systems
• Finding the system’s solution to healthcare cost accounting
• Profitable ways of financing the acquisition of a healthcare enterprise
• Strategies for marketplace achievement in turbulent times: Medical staff marketing
• How hospitals spend money from charitable organizations and donor funding
• Affordable treatment and care for long-term and terminal diseases
• Acceleration and effective information strategies for cash management in hospitals
• A study of the cost accounting strategies under the prospective payment system
• The effects of mergers and acquisitions on private hospitals
• How to manage bad debt and charity care accounts in hospitals
• How to measure nursing costs with patient acuity data in hospitals

Read more: Amazing Criminology Dissertation Ideas for You to Get Started

Interesting Finance Dissertation Topics

• Analyze the financial statements of VISA and MasterCard.
• Which banks are more profitable, domestic or foreign?
• Is there a link between capital structure and corporate strategy?
• Microfinancing and poverty alleviation
• How important is credit flow to the agronomic industry?
• Corporate Social Responsibility in the banking industry
• Modern accounting standards: Do they live up to the regulator’s expectations?
• The effects of Brexit on the UK banks’ ability to hire extremely talented specialists
• Are banking profits ethical?
• The theory of economic integration in Europe
• Digital banking problems faced by the elderly
• The loan is the potential source of constant debt.
• Why do banks oppose digital currency so fiercely?
• Risks and benefits associated with advanced mobile banking technology
• Auditing: a Critical Assessment on the theories of trust in business
• Poverty alleviation schemes: a sham or potential means to reduce poverty
• Fraud: how financial institutions can tackle the challenge of online scam
• Domestic and foreign banks: a study of profitability and risks
• Online Investments: the test of individual financial choices
• Social security: the financial side that protects customers

Excellent Finance Dissertation Topics

• Models for strengthening cost accounting efforts through the improvement of current data sources.
• Methods for boosting cash flow while carefully reviewing the accounting.
• A thorough analysis of information systems, cost accounting, and productivity.
• Economies of scale strategies utilizing common auxiliary and support services
• Profitable methods for funding the purchase of a healthcare company.
• Private hospitals and the effects of mergers and acquisitions.
• A research project on cost accounting methods for the projected payment system.
• How to handle charity care and bad debt accounts in hospitals.
• An examination of the administrative structure and organization of a hospital with regard to funding.
• evaluation of how efficient credit management affects commercial banks’ profits.

Latest Ph.D. Finance Dissertation Topics

• Evaluate the effectiveness of risk management strategies in financial institutions.
• Analyze the performance and applicability of traditional and modern asset pricing models.
• Examine the role of financial innovations in market dynamics and efficiency.
• Assess the impact of regulatory policies on financial institutions and market resilience.
• Investigate the financial implications of outsourcing procurement activities.
• Write about the financial methods of supporting and developing entrepreneurship in the USA.
• Conduct a study on financial reporting quality and earnings management of corporate companies.
• Explain the role of auditing in ensuring financial accountability and transparency.
• Compose a research paper on Corporate Cash Holdings and Financial Flexibility.
• Investigate the relationship between financial knowledge and investment decision-making.

The Bottom Line

Keep in mind, choosing the best topic from the finance dissertation topics suggested in this blog post alone will not help you score an A+ grade. To boost your grades, your research, and writing should be of top quality and relevant to the topic you have selected. In case you find it difficult to write a quality finance dissertation, then immediately place your order by writing your requirements to us and get instant finance assignment help .

We have a team of professional writers who are experts in the field of finance to assist you in completing a plagiarism-free, high-quality finance dissertation as per your requirements on time and at an affordable rate.

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Drowning in Debt: How Does the U.S. Solve its Debt Crisis?

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Chapter two: real estate lending decision in kuwaiti banks.

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China is a very attractive gaming destination in the Asia Pacific region. This city attracts a large number of tourists and international visitors. It has also seen a rapid growth in the establishment of large gaming companies, ever since liberalization for gaming operators in 2002. This must have actually spurred economic growth, and boosted SMEs, which are the economic growth power engines. This paper explores the role of SMEs in an emerging economies, the role of manpower in SMEs, as well as understanding the key success factors of the SMEs in China.

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The use of evidence and evaluation to ensure we are making smart investments with thesis, final project- investors are hesitant on providing start up capital to small businesses.

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Writing an Essay about a Financial Crisis

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Financial crisis is a topic which interests greater number of students every year. This topic is relevant for the present days. That’s why students choose to write an essay about financial crisis at universities or colleges. The benefit of writing a basic essay about financial crisis is that the writer is actually living in times of its happening. That gives him a chance to present subjective opinion of the current situation from financial and economic point of view of certain countries.

• Essay Outline . Essay about financial crisis should outline the main reasons of the crisis in the country, its negative effects on the economic growth and society well-being. The next step is to present potential ways how to predict and prevent possible crises in the future according to essay basics structure.

Past two decades were famous for a number of financial crises in all the economy of many countries worldwide. As a rule, every crisis is followed by economic recessions, and sometimes effect it makes is absolutely devastating.

The crucial nature of crisis in financial sphere is a topic that interests many researches. Economists try to analyze the reasons and mechanism of the crisis, predict possible ways of its development and evaluate the damage it will cause.

One of the research aspects is comparing crises in different countries and trying to create a plan for avoiding their negative afterwards effects.

There are different mechanisms of the financial crisis development. Every country has some peculiarities, but there is a specific pattern for describing common periods of financial crises.

Collapse in asset prices, plunge in capital flight and bank-credit.

Boom in asset prices, investment, bank lending and capital inflows.

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Banks lend people more money than they can afford to take. The reason why this happens is that there is very low possibility that all depositors will ask their money back at the same time. If this happens, the banks will definitely fail.

An employment of “fractional reserve” policy by banks takes place.

Fiat money and fractional reserve banking allows banks to access “free” money. At the same time it makes government to appear to be “generous” by giving over-promising of social welfare.

Financial crises have the roots in the easy credit expansion. It creates the financial “boom and bust” cycles.

Reinstitute the money that are backed by real commodities. Ideally, all currency should be backed by gold, as gold is the only money that evolved over time. It is important to understand that gold and silver is money for market when fiat money are for government.

Abolish fiat money.

Start abolishing all central banks.

Let private banks issue 100% of money backed by gold.

Take the issuance of money away from the hands of government. Different kinds of manipulations will be made as long as they have a control of issuance.

Make gold a global currency. It will prevent the government manipulations.

Have free-banking, 100% gold backed monetary system. This solution will attack the problem at the root and save the national finance from further crises.

These are possible ways of solving the problem of financial crisis if at least one action from this list can be successfully done, all the countries will feel remarkable improvement.

There are several important aspects you should understand writing essay about financial crisis in accordance with essay basics.

Review how the current financial crisis has catalyzed an array of responses.

Search for financial crisis’s causes.

Clear understanding of financial crisis cause will help to provide suggestions for finding a “remedy”.

Array responses should also include reworking regulations and scapegoating.

Review the possibility of massive capital injections.

Narrow down the topic and review one industry that financial crisis has influenced the most. (For example, how the financial crisis has affected the automobile industry?)

We have the team of professional writers who will be able to write an essay for you in extremely little time-frame. The essay basic writing can be written from ten days to six hours. Also, we provide editing services for very affordable prices. You can proofread your essay and the writer will proofread, do suggestions and add the most necessary information to your essay.

More and more students want to explore the topic of financial crisis in their essays since it depicts the modern days. It is the most common reason why students submit their writing tasks at colleges and universities on such a topic. One of the benefits of exploring financial crisis in the essay is that a writer is well aware of all details since he/she lives in the times when it occurs. In such a way, the writer can present a personal perception of the crisis and its causes as well as offer possible economic solutions when referring to a country he/she lives in.

Write an outline of the essay. Usually, an essay about financial crisis should present the key causes of the crisis that takes place in a certain country, its negative influence on the economy sector and people in general. Moreover, writer has to present possible ways to predict the outbreak of the crisis and evaluate the future outcomes.

The last century is known for numerous financial crises that negatively influenced the economy of many countries on a global scale. In general, every crisis provokes the recession in economy, which leads to detrimental and drastic changes in the life of the country.

The essence of the crisis is the topic that many economists and financial experts discuss. They try to evaluate the causes and development of the crisis, predict future results and damages.

More and more researchers in numerous countries work in the field of crisis prevention and introduce plans for eliminating devastating effects of the crisis.

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There are numerous aspects that contribute to the development of the financial crisis. Undoubtedly, they are different for every country, but still there are common patterns as well.

Increase in the capital inflows, bank lending, investment, and asset prices.

Deterioration in the capital flight, bank-credit, and collapse in asset prices.

People borrow more money from banks than they can afford. The bank is bound to failure if all depositors ask their money back simultaneously, which happens very rarely, but still is seen in the modern days.

Fractional reserve policy is introduced in the employment sphere.

Fractional reserve banking does not prohibit to access free money. Thus, the government seems to be too generous since it funds numerous programs and promises to improve the life of ordinary people.

The most common reason of financial crises is the easy credit expansion, which provokes the outbreak and boom cycles.

Back-up the money with real commodities. All monetary savings should be backed by silver or gold since precious metal will always be invaluable. There is a need to realize that silver and gold are money that are of high interest for the market, whereas fiat money – for the government.

Eradicate fiat money.

Begin eradication all central banks and their institutions.

Establish a rule for private banks – money should be 100% backed up by gold.

Do not allow government to interfere in the banking process. Usually, governments make the unfavorable manipulations with issuance money.

Establish gold as a global currency in order to predict possible government moves and manipulations.

Introduce free-banking system supported with gold. Such a step will predict possible crises and eradicate the essence of the issue.

The steps presented above are possible ways to cope with the global crisis and improve the economic situation in certain countries.

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There are certain rules students have to realize when they are given a task to write about a financial crisis.

Read the responses of ordinary people and scientists on the matter of crisis.

Find information about the causes of financial crisis.

Understanding of the crisis roots is very beneficial while presenting possible solutions to the issue.

Check whether there is a need of massive capital injections.

Check responses about government interference in the banking processes.

Do not forget to narrow down your topic to a specific field or industry that was affected by the crisis. For instance, how the financial crisis influenced the food manufacturing?

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