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* **Regulasi yang Lemah:** Regulasi perbankan yang tidak ketat atau pengawasan yang kurang efektif bisa menjadi celah bagi praktik-praktik yang merugikan. Misalnya, bank bisa mengambil risiko yang terlalu besar, melakukan investasi yang spekulatif, atau menyembunyikan masalah keuangan. Ketika hal ini terjadi, risiko gagal bayar akan meningkat karena tidak ada yang mengawasi.
