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Bagehot or Bailout? An Analysis of Government Responses to Banking Crises

2005/12/20 by Guillermo Rosas · 2 citations
Economics, Econometrics and Finance · Business, Management and Accounting · #Global Financial Crisis and Policies #Banking stability, regulation, efficiency #Islamic Finance and Banking Studies

paper · doi:10.1111/j.1540-5907.2006.00177.x

openalex publication_date 2005/12/20 · openalex created_date 2025/10/10 · openalex updated_date 2026/07/29

Abstract

Political intervention into markets can take a nearly endless number of forms. During the latter part of the twentieth century, there was a widely shared sense that governments should decrease their role in the economy. Still, there were important variations in this trend. In response to onerous banking crises, countries chose policies that varied dramatically between rescuing insolvent banks (Bailout) and enforcing bank closures (Bagehot). Bailouts are often portrayed as regressive wealth transfers from taxpayers to bankers as the result of “crony capitalism.” However, government policy choice may be patterned as much by domestic institutions—political regime and central bank autonomy—and international constraints—economic openness and support from international financial institutions—as by political promises to stand by crony allies in hard times. I test these arguments by fitting a Bayesian hierarchical item response model of policy making that takes full advantage of data on government responses to banking crises .

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