Critically evaluate the reasons for the recent global financial crisis.

find and read the following articles:
Gramlich,D. and Mikhail V.Oet,M.V. (2011)The structural fragility of financial systems: Analysis and modeling implications for early warning systemsJournal of Risk Finance,the Volume:12 Issue:4
Niinimaki, J.P. (2009)does collateral fuel moral hazard in banking?journal of banking &Finance, volume, issue3, March 2009. Pages 514-521
Casu,B.(2011) Introduction to BankingFinancial Times Prentice Hall
Casu,B.Giradone, C. and Molyneux P.,(2006)Introduction to banking Pearson Education