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Your essay should contain a critical review of the chosen journal article.
Lopez-Espinosa, G., Rubia, A., Valderrama, L., Anton, M., 2013. Good forone, bad for all: Determinants of individual versus systemic risk. Journal of Financial Stability 9, pp. 287-299.It should be based on and linked to: a) the material covered in lectures and workshops, b) in-class discussions, and c) any additional readings and references. The essay should be 2,000 words in length (excluding table of contents, references and any appendices) and should contain the following key features:1. An introduction which sets the chosen article within the context of bank risk and the relevant academic literature.2. A thorough discussion of the risk measurement and management techniques employed in the article.3. A description of the relevant econometric methodologies 4. A comprehensive and critical discussion of all the aspects related to bank risk-taking behaviour both from an individual and a systemic point of view.5. A critical analysis of the major findings and the related policy implications