Summers and Sarin dont argue that such regulations should be rolled back, as Donald Trump and some other Republicans do. Instead, they highlight new factors that seem to have created risks regulators didnt foresee when reacting to the 2008 wipeout. Super-low interest rates, for instance, have hammered bank profitability. So have new rules limiting what banks can charge for things like credit-card use and overdraft protection. Lightly regulated shadow banks, such as hedge funds, private-equity firms and online lenders, account for an increasing share of กระเป๋าแฟชั่น financial activity and represent a new competitive threat to traditional banks. And the intense regulatory focus on banks during the last decade suggests new rules further limiting what they could do are always possible. Those factors and others have depressed the big banks franchise value the intangible characteristics that give a brand-name business an edge thats measurable in the stock price. In mathematical terms, that shows up in a given banks market value relative to its actual assets. Summers and Sarin focus on the so-called price-book ratio, and the higher it goes, the more stable a bank is, because more relative equity provides a larger cushion if theres a crisis and stock prices plummet. Price-book ratios have plunged since 2006, largely because investors value banks more poorly than they did 10 years ago. The KBW Bank Index is a proxy for how bank shares, and by extension market values, have tumbled during that time: Screen Shot 2016-09-15 at 12.24.45 PM More Even though banks are taking fewer operational risks, declining price-to-book ratios can make banks more vulnerable in a crisis.
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Protecting the brand And while airlines may have good reasons not to overcharge their best customers, they also have to be careful not to undercharge the other classes of client. The temptation is to aggressively lower prices when there are still empty seats left before a flight departs -- but if this becomes the norm there's a serious risk of undermining the brand and alienating higher-value passengers. A number of companies, such as Bidflyer, กระเป๋าเป้ kanken Plusgrade and SeatFrog, have come up with applications that allow airlines to sell upgrades to the highest bidder through an auction mechanism -- an efficient but anonymous way to get passengers to tell the airline how much they're willing to pay for premium services. Back to basics The apparent randomness of airfares makes for an excellent conversation topic with friends and colleagues, but it can also be a source of anxiety for many travelers. Perceptions that prices are immensely variable can add to the fear that customers may be overcharged for any extras they inadvertently purchase, or the worry that they might not be getting the best deal out there. Which is why many airlines have opted for a different approach: go back to basics and offer branded fares -- a bundle of services for a closed price. This shouldn't be confused with the rigid fare system that prevailed when the first low-cost airlines hit the scene. This is more like an evolution of the low-cost fare system which lets customers choose the extras they want to add to the base fare. This approach means re-bundling a bunch of services -- from checked-in luggage to a wider, more spacious seat --- into a number of fare package options of varying complexity, all selling for a set price.
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