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The TBTF problem basically stemmed from the fundamental shift, from the 1980s onwards, from the traditional relationship-oriented model of banking towards the transaction-oriented model […]. Underlying this benign stance was the belief that the transaction-oriented model was good for both economic growth and stability; it was seen as allowing: the spreading of credit risk away from highly leveraged balance sheets towards individuals and institutions better able and willing to bear such risk; better risk management; more transparency on the fundamental value of loan portfolios; greater liquidity; and more flexibility in risk-return trade-offs. The financial crisis has shattered this benign view.

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