This problem-set concerns an essentially fraudulent culture that is a 
symptom only of a larger transformation that some commentators call 
"financialization," where the finance sector overshadows the real 
productive economy and takes control of it. It is naïve in the extreme 
to think that a new set of prudential standards can change the finance 
culture when politicians themselves created it, starting with 
deregulation policies in the Reagan years, and when financiers hold the 
highest public office. In one sense, the real power and influence is 
anchored in a set of beliefs about markets and finance, especially given 
its demonstrated immense profits in the 2000s with the invention of new 
financial products and the new information technologies exploiting the 
speed of transactions. Under these circumstances the financial moguls 
hardly needed to buy favors or to exercise pressure: It was done for 
them by politicians and policy-makers. Banks use the latest mathematical 
modeling to demonstrate risk profiles that popularized the belief that 
unregulated markets are virtually foolproof. These attitudes still 
persist today, despite the crisis and the dangers of further crashes, 
constituting the greatest single stumbling block to genuine reform.

full: 
http://truth-out.org/opinion/item/17536-the-crisis-of-finance-capitalism-and-the-exhaustion-of-neoliberalism
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