OBECNÉ A ZVLÁŠTNÍ PŘÍČINY FINANČNÍ KRIZE A JEJICH DŮSLEDKY PRO REGULACI JEDNOTLIVÝCH SEGMENTŮ FINANČNÍCH SLUŽEB

This article deals with present financial crisis as a result of credit expansion. Debt problem was mask with financial instrument innovations, namely structured bonds in securing form. By the help of this, instruments were walked around state of the regulatory body and postpone assignment of disequilibrium. A part of rating agency in this process is described. Special attention is paid to impact of financial crisis on financial market, especially on insurance business. The article calls attention on asymmetry information problem and possible influence and adequacy of regulatory attitudes on return to equilibrium level particularly in EU.