Qué hacer con los banqueros "codiciosos
A raíz de la crisis financiera más reciente, los organismos reguladores financieros de todo el mundo han buscado formas de frenar la asunción excesiva de riesgos por parte de los banqueros. La mayoría de las veces, esto se hace limitando las primas y desarrollando políticas de recuperación (Gray, 2016). Tales decisiones se basan en la opinión generalizada de que los incentivos financieros son un factor para la asunción de riesgos. Que la posibilidad de obtener grandes beneficios personales es tan atractiva que muchos individuos están dispuestos a asumir riesgos excesivos para conseguirlos. Esta es la visión clásica "homo-economicus" del comportamiento humano, en la que se considera a las personas actores racionales, motivados para maximizar la utilidad personal por razones de interés propio (Aktipis y Kurzban, 2004; Thaler, 2000). En otras palabras, ser codicioso.
Pero .... ¿y si los banqueros no asumieran riesgos para ganar sus primas por motivos de codicia, sino por motivos de necesidad?
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