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Mohamed A. El-Erian

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Neither a Quick Nor Comprehensive European Fix

Posted: 12/10/11 10:27 AM ET

As a New York Jets fan, I despair of all the talk about the New England Patriots. Yes they have an amazing combination in Coach Belichick and quarterback Brady; and yes they have incredibly talented tight ends and, in Wes Welker, one of the most dedicated players in football. But do I need to keep on hearing about it over and over again; and must I constantly worry about what the Patriots mean for the wellbeing of my Jets?

I desperately want to wish the Patriots away, but I cannot. They matter.

After all, the Jets are in the same division, we play them at least twice a year, and they often control our path to the playoffs.

When it comes to Europe, investors around the world also face this exasperating combination of having, but not wishing to pay close attention.

Every week, if not every day, Europe influences stocks, overwhelms sector-specific news, and frustrates careful security selection. The result is wave after wave of manic risk on and risk off days, together with spiking correlations and unsettling volatility.

A week ago, markets were hoping that the combination of an ECB policy meeting and yet another Summit of European leaders would allow them to leave behind -- not for a day or a week, but for months and quarters -- the unsettling European cloud. Unfortunately, neither was decisive enough; and yet another golden opportunity was insufficiently exploited by European policymakers.

Don't get me wrong, the two events did produce important results. Yet, given the scale and scope of the European crisis, they are not enough.

Put differently, what came out is necessary but not sufficient.

The ECB took bold steps to help banks facing crippling liquidity challenges. But it poured cold water on the notion that it was ready to go "all in" to stabilize the European sovereign debt problems.

At their Summit, leaders provided the foundation for a potentially stronger and less imperfect Eurozone. But they did not go far enough in combining the emphasis on fiscal discipline with growth and jobs, together with real institutional robustness. Meanwhile, they opened what could well prove to be quite a destabilizing Pandora's box.

British Prime Minister Cameron would have no part of the treaty changes proposed by his French and German counterparts. I suspect that this is a leading indicator of broader political strains that will get worse.

Additional tensions are likely to surface as leaders return to their domestic constituencies and, importantly, as the Summit's broad agreements get translated into specifics.

This is not only about stress between the 17 Eurozone countries and the 10 other members of the European Union (such as Britain) that are not members of the zone. It is also about frictions within each group.

European leaders still need to do a lot more, and quickly, if they are to catch up and get ahead of the crisis. Accordingly, and regrettably, the specter of volatility caused by European headlines will not recede for long. Investors need to continue to watch and worry about Europe... and I have no choice but to continue to watch and worry about the Patriots.

This post was originally published on CNBC. The views expressed are the author's own.

 
As a New York Jets fan, I despair of all the talk about the New England Patriots. Yes they have an amazing combination in Coach Belichick and quarterback Brady; and yes they have incredibly talented t...
As a New York Jets fan, I despair of all the talk about the New England Patriots. Yes they have an amazing combination in Coach Belichick and quarterback Brady; and yes they have incredibly talented t...
 
 
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04:33 PM on 12/12/2011
We can't fix Europe, the united states or the world till we learn how to fix us....we are the problem...our ways don't work today any more than they worked thousands of year ago....how long does it take us to learn what works and what doesn't.....ahhhhhh but we are the ones that can reason......not.....the old viking
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03:24 PM on 12/12/2011
Interesting analogy: Up here in New England, we love our Patriots, but ever since the NY Giants Superbowl, we expect our team to implode in the playoffs. I hope a similar fate doesn't tackle Europe.
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Bayard Waterbury
social philosopher
02:44 PM on 12/12/2011
Mohammed, great article, but it only tells what we already knew. The story behind the story is that Europe has what so many divorces share in common, that is "irreconcilable differences". Let's face it, culturally, the populations of the various members of the European Economic Union are vastly different, almost from different planets. Sadly, the similarities are what keep them mired in the morass of national debt and decline that is plaguing their unified economic spheres. What the cultures dictate is that a solution, realistic and necessary, can't gain consensus because the various negotiators understand what each of their national constituancies will accept. The obvious one is Merkle, whose populace, hard working and disciplined, don't relate to those in southern Europe whom they view to be lazy and undisciplined. Most of the northern countries culturally align mostly with German sentiment, and most of the southern countries are inclined to a seriously resentful attitude toward the Germanic attitude of superiority. This leaves it essentially to Great Britain (which has almost no determinative power) and France (which is essentially a country of socialist free spirit) to make nice. So, all things considered, collapse is a likely outcome of intransigence such as exists now and will exist ad infinitum.
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elsquibbs
Socially liberal, fiscally prudent atheist.
09:32 PM on 12/11/2011
"But do I need to keep on hearing about it over and over again; and must I constantly worry about what the Patriots mean for the wellbeing of my Jets?"

Yes.
02:56 PM on 12/11/2011
Imagine a giant pot where european countries put an equal amount into it,then you get a percentage back.For every ten Britain put in we got one back,for every ten Ireland put in they pulled out 100.That is how it was at one stage.Then Portugal and Greece said sorry we cant afford to put any in but still pulled out handfulls.That is why the euro went downhill.There are only two countries that can still sustain paying in,Germany and Britain.France is pulling out what it puts in so is not actually contributing anything.Since we initially joined we have had to pay enormous amounts,now is the time to say no,nien ,non .We want equal footing and/or as we pay more ,more sayso .The Europeans need us more than we need them.Not all Europeans are in the EC ,we do not need to be in it,plus if we leave we can get rid of the stupid Human rights Act,something Clegg wont budge on.
12:23 AM on 12/12/2011
you forget economics 1.01. It is not about budget contribution to the EU. It is about common market and the fact that commerce within the Eurozone is creating a lot of value for everyone. Where would the UK be without access to the largest market in the world. Where would the UK be if it was not able to sell financial services to the rest of the EU?
I can tell you: nowhere... You believe Europe need UK more than the reverse? I can tell you that it's been a long time a lot of Europeans have wondered why there was not more integration without the UK. Now it's coming.
Budget contribution to the EU is about developping markets where commerce can happen. Sort of a Marshall plan....
09:51 PM on 12/10/2011
El-Erian, The WSJ, and Robbing America Chronicle all agree that the agreements announces every week are not enough to stop the crisis from worsening. But in what the last two disagree with El-Erian is in the motivations of Germany for seeking the new modifications to the treaty of Lisbon that formed the EU.

To www.robbingamerica.com in their piece "Heroic Britain's 'NO'.....While Europe Moves Toward Dictatorship" Germany wants to control Europe through the ECB and Brussels. They are referring to a dictatorship of the Bureaucracy of Brussels and the lost of sovereignty of the nations of Europe that makes that necessary.
04:59 PM on 12/11/2011
I am so glad we have enlightened leadership here in the US.
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Bayard Waterbury
social philosopher
02:53 PM on 12/12/2011
I hope that this comment is intended to be sarcastic. Our enlightened American leadership is what sponsored the problem in the first place. Europe simply tried a failed American strategy of the shameless pursuit of money at any cost, and built a very similar bubble there. The problem is that neither this country or Europe can provide a leadership paradigm that will make it possible to painlessly deleverage the hundreds of trillions of bad debt that the strategies caused, and the kinds of can-kicking solutions pursued will only delay the inevitable total economic collapse constantly looming. The real question is, can the international community of nations agree to a total restructuring of internationally linked debt overhang? In my opinion, this is not just unlikely, but impossible, and mostly because it would require all nations and cultures to act in completely egalitarian cooperation. We all know that that will NEVER HAPPEN! Don't talk about American "enlightened leadership", it simply doesn't exist.
12:25 AM on 12/12/2011
Germany has understood for long that if you have money you have the power. They have the money so they can dictate their economic will to those who ask for money. Of course they would lose a lot if the euro would break but in the meantime they are the money providers...
09:36 PM on 12/10/2011
"British Prime Minister Cameron would have no part of the treaty changes proposed by his French and German counterparts. I suspect that this is a leading indicator of broader political strains that will get worse."
The UK never wanted to take part in the Euro, so this is nothing new. They always have been seeing themselves different. Political strains will always be a part of the EU because it consists of very independent countries. But as far as economic insight I give the leaders of the EU a higher mark than the leaders of the USA at the moment. If we have to wait for the Tea Party to understand how a consumer based economy works, I would say, don't hold your breath.
09:28 PM on 12/10/2011
"Every week, if not every day, Europe influences stocks, overwhelms sector-specific news, and frustrates careful security selection."
Hahaha, I especially like the phrase" frustrates careful security selection"! This was what pulled us all down into the abyss in the first place. Careful? You mean: a security selection that brings the most profit and who cares about the risks.
I get the feeling that there are a lot of risk-takers around the world looking at the way Europe tries to regulate more and more and also has a treaty now to get more uniformity in fiscal and budget policies in the different countries. That is something that the gamblers with our money do not like at all. More regulation and oversight; less possibilities to do with our money what they like.
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Norma Ward
09:27 PM on 12/10/2011
As a means of insuring themselves against losses from their Euro bond portfolios, American banks have dramatically increased their use of credit default swaps as shown here:

http://viableopposition.blogspot.com/2011/12/european-debt-credit-default-swaps-next.html

It is these same instruments that bankrupted AIG during the Great Recession and, with the value of CDS being questioned after the Greek debt 50 percent haircut, the value of this form of "insurance" against default is dicey at best.

Apparently, banks are slow to learn from their past mistakes.
09:52 AM on 12/11/2011
Something that has been in the news, but on the periphery, and never mentioned in the corporate media, is that there are an extimated $700 TRILLION in derivatives floating around out there, many of which are expected to come crashing down around the ears of the banks and therefore of the world's economies. I don't think even the most astute experts can predict how many of these derivatives will go bad, but there's fear that enough of them will that it could create a disastrous and unprecedented impact on the world economies.

http://www.marketwatch.com/story/the-700-trillion-elephant-room-theres
12:29 AM on 12/12/2011
don't forget that a derivative contract has two legs. the number you use is the notional amount not the NPV of the instruments... for example, a large part of the derivatives are interest rate swaps or currency swaps, where the NPV accounts for a few % of the notional. And then you have net position. So sure there is a systemic issue related to solvency of players, but this is not related to the derivative market in itself.
12:27 AM on 12/12/2011
AIG was SELLING CDS... this is what bankrupted them. By definition if you want to protect yourself you are BUYING them, which is very different. The CDS market in itself is not bad, it was the use of it by AIG (always sell protection, therefore be exposed to the first bankrupcy) that went down, not the use of CDS altogether...
08:46 PM on 12/10/2011
Territorial expansion is one of the key factors in creating wealth and prosperity. Sure, freedom has its blessings. But it is not enough. When Hadrian built its wall Roman Empire began its decline. When America reached the west coast it stopped growing.

Europe needs territorial expansion to grow.

With a warmer world, the European vacation window will be wider than the current summer two months with great benefits to the tourist industry. Siberia will become arable and with its fertile top soil, it will be the future bread basket of the world. It will attract emigrants who will not settle in Europe relieving it of its current burden of social services. These are but a couple of examples of the many benefits of a warmer climate.

The best solution for Europe is a warmer climate.
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acudoc
07:51 PM on 12/10/2011
Mr. El Erian of Pimco----nice job re-arranging deck chairs on the financial Titanic.
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Mark Dobbins
I may be dumb but I'm not that dumb
07:37 PM on 12/10/2011
Everyone watch closely because the last innings of socialism are being played out before our very eyes. Just as communism failed after a 70 year experiment in the USSR, European socialism is failing after its 60 year run.

Capitalism remains the worst economic platform, except for everything else that's been tried in scale.
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09:02 AM on 12/12/2011
Canada isn't doing too badly with its prudent 'socialism'.
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Mark Dobbins
I may be dumb but I'm not that dumb
05:30 PM on 12/12/2011
It's a good thing that they have the resource extraction businesses like oil sands and timber to pay for all of it.
06:45 PM on 12/10/2011
What is going on today in the bond markets is a combination pump and dump and loan sharking. No amount of pretense that bond ghouls like Pimco are doing anything else in practice. Trying to advise and be above it all demonstrates Wall Street at its worse. Even if we are on the Marina.
As a bond ghoul at the end of a 30 year bull run, forgive me if the credibility of your comments strains ones common sense. Today, the only way to make money in the bond market is to scare people into not lending so rates go up and then watch them come gapping down leaving those on the other side of the trade holding the bag. Squeezing them right when they need the loan the most. So watching rates double, triple and quadruple just before rollovers occur, mostly due to rumor and collusion, then return to perhaps a few bps from where they were, over and over again, seems to be the game the bond ghouls play now, even when treasuries are negative.
No amount of high brow PR hides what is going on. And the end game of course, is the US, unless they start cutting the spending and creating a budget surplus. That’s why today some Billionaires love Obama. In fact both Pimco and Buffet got to be so rich, exactly because they could control and take advantage of public perception. Today Europe is evidence. Tomorrow, the profligate US.
06:28 PM on 12/10/2011
Sarkozy and Merkel wanted to impose a tax on the second largest currency and stock exchange on the planet - London. PM Cameron wouldn't allow it.

People in Britain signed up for a common market, not a federal union where our Parliament gets trumped by unelected Commissioners. As a result of the fact that the Greek government lied to us on seventeen separate occasions about the sheer scale of their debt, British people have overwhelmingly had enough of paying out for failed southern European economies. Since the days of the Common Agricultural Policy nations like Portugal, Italy, Spain and Italy have squandered untold sums through inefficient and corrupt government.

Under Blair we were refused a referendum. Why? Because British people have wanted out of the political elements of the treaty for a generation now. It is a completely self-appointing body of bureaucrats and we don't see why we should be paying nations that are wasting our money.

Cameron did the right thing - listened to the will of his own people.

Blair?....don't even get me started....
12:36 AM on 12/12/2011
wait for it, the tax will come. you are speaking about failed southern economies but, from my POV, Britain fares barely better. How do you call a country where the lone real source of wealth lies in one economic sector (finance) and overwhelmingly in one city (london). There is almost nothing else in this country except finance, and most people working in the sector now are not even brit anymore...
In effect the UK is barely more than an island of state-supported people, paid for by the taxes of a minority of bankers and financiers that sell financial services to the rest of Europe... not pretty. (of course I exagerate to pass the message but I think everyone understands).
Don;t forget that before finance really developped as a sector, the UK was calling for IMF help...
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09:11 AM on 12/12/2011
Add to all that the £7bn+ that went to Ireland.
09:30 AM on 12/12/2011
I agree.

I'd only add that the UK has always treated Ireland as a "special case" - the economies are so closely linked that Ireland is really just an extension of the UK economy in everything but name. 16% of all of Ireland's exports go to Britain, a massive percentage.

Given Britain's (current) ownership of Northern Ireland it's in the North's interest to make sure the South doesn't go under.

But still...
03:51 PM on 12/10/2011
Mohammad I very much value your opinion . .
It seems what is really needed is a Change in Attitude . .
that by consensus . . the Punch Bowl Needs to Be Taken Away . .
come to the Realization . . the Bill $$$$$
. . Finally!!! . . CanNot be passed on to the Dwindling number of Grandchildren . .
this diet of Snicker Bars & Red Bull have only Prolonged the Crisis . .