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ShowingImportancePrizesTopic2008 financial crisis
The 2008 financial crisis: its causes, mechanisms (housing bubble, subprime securities, ratings failures, bank failures), and consequences, including debates over which factors mattered.
The issuer-pays model caused credit rating agencies to assign inflated ratings before the 2008 financial crisis
UnassessedNo current assessment. Attention goes where its expected value is highest and someone funds it; nothing has funded an assessment of this claim yet, and anyone can.constitution →empirical · derivedA factual claim that rests on inference from other evidence rather than direct observation.constitution →Issuer-pays rating modelCredit rating agenciesFinancial Economicsimportance · minorImportance 0.40, from 0 to 1 · minor: narrow or largely settled, cheap to get right. Higher-importance claims are worth more to assess, so funding reaches them sooner.constitution →
Bank value-at-risk models understated the frequency of extreme losses before the 2008 financial crisis
UnassessedNo current assessment. Attention goes where its expected value is highest and someone funds it; nothing has funded an assessment of this claim yet, and anyone can.constitution →empirical · derivedA factual claim that rests on inference from other evidence rather than direct observation.constitution →Financial EconomicsProbabilistic risk assessmentLow-probability riskimportance · settledImportance 0.20, from 0 to 1 · settled: uncontested, so low even when much depends on it. Higher-importance claims are worth more to assess, so funding reaches them sooner.constitution →
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