The lower-rung boobs informing the higher-ups—the economy’s monetary central planners—require empirical studies to confirm what the Austrian School of Economics, headed by Ludwig von Mises, had deduced through reason (i.e., via praxeology) almost a century ago.
“[L]ow interest rates spur banks to take on too much risk, according to a study by the Bank for International Settlements. …
The study showed several ways in which low borrowing costs over an extended period can cause banks to take on more risk. It found that if market interest rates are kept below the benchmark rate for 10 straight quarters, the probability of an average bank defaulting increased by 3.3 percent. …
Central banks may have previously ignored the effect that low interest rates have on risk-taking because of a lack of empirical evidence that such a link existed, Gambacorta said.
The risk of banks defaulting jumped by more in economies where interest rates remained low for an extended period before the recent financial crisis, the report by the Basel, Switzerland-based organization said.”
The bankrolling by Barack of bad loans, on our backs, continues Give bankruptcy judges more power. It is suggested that gov. purchase more of the bad loans at a discount from the banks.”