Editing 2008 Financial Crisis (section)

== Creating (Synthesis / Create) 🏗️ ==
Designing improved financial systems, regulations, and crisis-prevention tools.

=== Design patterns & best practices ===
* Transparent securitization structures with clearer risk mapping.
* Strong capital requirements and liquidity buffers.
* Better borrower vetting and mortgage-underwriting standards.
* Clearer communication from central banks to reduce panic.

=== Integration & extension strategies ===
* Integrating macroprudential policies into national regulatory systems.
* Coordinating cross-border supervision for multinational banks.
* Enhancing data-sharing between regulators and institutions.

=== Security, governance, or ethical considerations ===
* Conflicts of interest in rating agencies.
* Fairness in bailout decisions and moral-hazard concerns.
* Protections for vulnerable borrowers.
* Governance reforms for large, systemically important institutions.

=== Lifecycle management strategies ===
* Periodic review of financial regulations (e.g., Dodd–Frank provisions).
* Updating stress-test scenarios based on emerging risks.
* Monitoring climate-related financial risk and new asset classes.

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