Banca e Bandidagem

Quando sabemos que um banqueiro é bandido e mau-caráter? Quando inventa argumentos para justificar a bandidagem, como este:
This comes at a time when regulators are raising the amounts of equity the banks must hold, thus lowering their returns further. So by the slightly crazed logic of the system, the only way the banks can satisfy their shareholders is by actively seeking more risk – or, in other words, throwing their money away again.
The place they are most likely to do that – since it is where the immediate profits lie – is wherever the asset bubble is. Last time, it was developed world real estate. This time, Wyman reasonably suggests, it could be commodities and/or real estate in the emerging economies.
Behind this lies the glum premise that another banking bust is coming within the next few years – the only question being how individual banks can limit the damage. A group such as Wyman has an axe to grind here, since it aims to make money advising them accordingly. But it is interesting – and faintly disquieting – that it considers this a plausible scenario to present to its banking clients