My comment: Despite his diagnose is correct, the treatment that they
suggest is doubtfull. In my opinion, the first step is not to fix the
banking system, the first step is to revive economic activity.

First of all because the banking problem is a problem only in advanced
economies, in emerging and developing economies the banking system is
not a serious issue, and the solution will come from emerging and
developing economies, not from the advanced ones.

Secondly because right now the bigger risk for advanced economies is
proteccionism, it will be a brake to economic activity and a seed for
future inflation. Not a seed to grow in the long term, but in the
short term, as soon as global demand raises again, maybe as soon as in
2010. In my opinion, although now we all focuss on this crisis, the
worst crisis comes later. As soon as recovery from this crisis starts
we will find an hyperinflationary crisis because demand of commodities
will rise fast and because production capacity is declining due to
current lower demand (metal mines, oil wells, food fields, etc. are
closing doors or trimming production) and demand will grow faster than
production once recovery starts.

Peace and best wishes.

Xi

http://www.bloomberg.com/apps/news?pid=20601087&sid=a6aaWZ8ab8yU&refer=home

Feb. 7 (Bloomberg) -- Advanced economies are already in a depression
and the financial crisis may deepen unless the banking system is
fixed, International Monetary Fund Managing Director Dominique Strauss-
Kahn said.

“The worst cannot be ruled out,” Strauss-Kahn said in Kuala Lumpur,
where he was attending a gathering of central bankers from Southeast
Asia. “There’s a lot of downside risk.”

Ten days ago, the IMF cut its world-growth estimate for this year to
0.5 percent, the weakest pace since World War II. Stimulus packages
alone won’t succeed in dragging the global economy out of recession
unless confidence is restored in the banking system, Strauss-Kahn said
today.

“All this will work if, and only if, the different countries are
likely to do what they have to do in terms of restructuring the
banking sector,” he said. “And today it’s not done.”

The U.S. economy has lost 3.57 million jobs since a recession started
in December 2007, its biggest employment slump of any economic
contraction in the postwar period as companies from Macy’s Inc. to
Caterpillar Inc. cut costs. The U.K. economy will shrink this year by
the most since 1946, the IMF forecasts.

“There is hope that the fiscal and monetary stimulus measures being
implemented around the world can help turn things around,” said David
Cohen, Singapore-based director of Asian economic forecasting at
Action Economics. “But there is still the risk it can be short-
circuited by further financial turmoil.”

$780 Billion Package

The U.S. Senate is due to vote early next week on an economic stimulus
package totaling at least $780 billion that President Barack Obama
said is needed to prevent the economy from sinking into a deeper
recession. Asian nations from China to Singapore and India have
pledged more than $685 billion on their own spending programs.

The Obama administration is considering subjecting banks to a new test
to determine whether they require fresh capital injections as part of
a rescue plan to be unveiled by Treasury Secretary Timothy Geithner
next week, people familiar with the matter said.

Governments should be ready for “full-fledged” intervention, acting
quickly to sell or wind-up insolvent lenders, Strauss-Kahn said. While
the European Central Bank, which left interest rates unchanged this
week, may have more room to cut borrowing costs, such a policy may not
be as important as restructuring the region’s banks, he said.

Borrowing Costs

“We’re probably not very far from the point where the question of
interest rates is not the most important question,” Strauss-Kahn said.
“Providing direct liquidity to the market, restructuring the banking
sector, may have more influence on demand than interest rates.”

In Asia, “there’s still room for bigger stimulus packages,” the IMF
official said. Malaysia, for example, may introduce a second stimulus
package larger than November’s 7 billion-ringgit ($1.9 billion) plan,
he said.

Developing Asia will probably expand 5.5 percent this year, the
slowest pace since 1998, the IMF said in last month’s update of its
World Economic Outlook report. The region may expand 6.9 percent next
year, the fund forecasts.

Asian nations will need a recovery in the global economy before the
region can exit a slowdown, the IMF said this month. Strauss-Kahn said
today the fund’s forecast for a recovery to start in 2010 is “very
uncertain.”

Demand for Loans

Demand for IMF loans is rising in nations suffering from weaker export
sales, banking industry turmoil and deteriorating investor confidence.
The organization has so far agreed to lend $47.9 billion to countries
affected by the crisis, including Belarus, Hungary, Iceland, Latvia,
Pakistan, Ukraine and Serbia.

Strauss-Kahn said he agreed with Poland that the eastern European
nation isn’t in need of assistance from the fund now, but may require
financial aid in the future.

The fund may collaborate with some countries to restore confidence,
without necessarily providing immediate loans, the official said.

“Some need for precautionary arrangements may appear,” he said,
without naming specific countries.

Critics of the fund say it’s failed to keep up with the pace of change
as the worldwide recession deepens.

The IMF and similar institutions are “incapable” of coping with the
global financial crisis, because their resources can’t keep up with
demand, former World Bank President Paul Wolfowitz said on Feb. 4.

Russian Prime Minister Vladimir Putin has criticized the World Bank,
IMF and World Trade Organization as anachronistic organizations that
give no voice to emerging economies.

The IMF and the World Bank were set up at the 1944 Bretton Woods
conference. The IMF was designed to prevent crises in the
international monetary system and to provide financing to distressed
countries.
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