Moral Hazard Critical Thinking Essay Assignment
Financial Management Spring 2017
Professor Frank Werner
The term “moral hazard” has been in the news over the past few years. What does this mean? Why is it a concern to many financial market observers? What role, if any, did it play in the financial crisis of the last decade? What, if anything, do you think should be done about it?
Your essay should be 3 pages (approximately 750 words). It will be graded twice: (1) by your Financial Management professor for responsiveness and the accuracy and of your content and (2) by your class’s English Department TA for the quality of your writing; the flow and coherence of your paper; the use of references; and the mechanics of spelling, grammar, syntax, etc.
Submit your essay by uploading it to Blackboard no later than midnight on the date specified on your course syllabus.
Critical Thinking Essay Assignment – Financial Management Spring 2017
Content Grade Rubric
|What does the term “moral hazard” mean?||Fully defined||Partially defined||Incorrectly defined||Not answered|
|Why is it a concern to many financial market observers?||Fully explained||Partially explained||Incorrectly explained|
|What role, if any, did it play in the financial crisis of the last decade?||Fully explained||Partially explained||Incorrectly explained|
|What, if anything, do you think should be done about it?||Thoughtful, complete answer||Partial answer||Inappropriate answer|
|Final Course Score Points: (Total Score / 16) x 2.5|
Gabelli School of Business
Sophomore Core Critical Thinking Essay English Grading Rubric – Spring 2017
The English Department TAs will grade essays on a 10-point scale, with five points assigned to writing mechanics and the other five points assigned to your argument. Within each category, the TAs will be looking for the following:
|Mechanics:||/5||1) Grammar2) Spelling/punctuation
|Argument:||/5||1) Argument is clearly stated2) Organization/flow of essay
4) Supporting evidence
5) Creativity of presentation
10/9—A – An “A” paper contains no or very few grammatical errors, as well as few or no logical flaws in argument. The essay shows evidence of research, paired with a clearly stated thesis. The evidence presented within the argument must link to the thesis and adequately support all points presented. The thesis statement follows the prompt and the essay itself remains on topic at all times. An “A” paper has good organization and logic. An “A” paper is PROOFREAD and contains clear and flowing transitions from one idea to the next.
8/7 – B/C—A “B/C” paper contains grammatical errors and does not appear to be closely proofread. The essay contains logical flaws, but still attempts to answer the prompt. The thesis is somewhat unclear, and is less developed with evidence or research. Grammar and spelling may hinder comprehension in a “C” paper, and transitions are choppy.
6/5 –D/F—A “D/F” paper does not follow the prompt and has an underdeveloped or missing thesis statement. The essay contains many grammatical errors, and does not appear to be proofread at all. There is no evidence of research and the essay lacks flow of transitions and logic.
4 & under – F – An F paper is totally unresponsive to the prompt and/or is extremely poorly written.
As with everything you write at the Gabelli School of Business, you will be expected to uphold the highest standards of honesty and integrity. Plagiarism is against college policy, and completely unacceptable in this class. Students found plagiarizing will be referred to the Dean of CBA. The following is an excerpt from the Fordham University Policy on Academic Integrity, available online as well as in your student handbook.
Plagiarism occurs when individuals attempt to present as their own what has come from another source. Plagiarism takes place whether such theft is accidental or deliberate. It is no defense to claim that one has “forgotten” to document ideas or material taken from another source.
Examples of plagiarism include, but are not limited to:
iii. Presenting borrowed material, whether a phrase, sentence, or whole paragraphs without placing quotation marks around the borrowed material in the approved style;
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