SI FI ) ▁or ▁system ically ▁important ▁bank ▁( SI B ) ▁is ▁a ▁bank , ▁ins urance ▁company , ▁or ▁other ▁financial ▁institution ▁whose ▁failure ▁might ▁trigger ▁a ▁financial ▁crisis . ▁They ▁are ▁col lo qu ial ly ▁referred ▁to ▁as ▁" to o ▁big ▁to ▁fail ". ▁ ▁Over view ▁ ▁As ▁the ▁financial ▁crisis ▁of ▁ 2 0 0 7 – 2 0 0 8 ▁unfold ed , ▁the ▁international ▁community ▁moved ▁to ▁protect ▁the ▁global ▁financial ▁system ▁through ▁prevent ing ▁the ▁failure ▁of ▁S IF Is , ▁or , ▁if ▁one ▁does ▁fail , ▁limit ing ▁the ▁ad verse ▁effects ▁of ▁its ▁failure . ▁In ▁November ▁ 2 0 1 1 , ▁the ▁Fin an cial ▁St ability ▁Board ▁published ▁a ▁list ▁of ▁global ▁system ically ▁important ▁financial ▁institutions ▁( G - SI F Is ). ▁ ▁The ▁Bas el ▁Committee ▁on ▁Bank ing ▁Super vision ▁introduced ▁new ▁reg ulations ▁( known ▁as ▁Bas el ▁III ) ▁that ▁also ▁specifically ▁target ▁S IF Is . ▁The ▁main ▁focus ▁of ▁the ▁reg ulations ▁is ▁to ▁increase ▁bank ▁capital ▁requirements ▁and ▁to ▁introduce ▁capital ▁sur charg es ▁for ▁system ically ▁important ▁banks . ▁However , ▁some ▁econom ists ▁have ▁war ned ▁that ▁the ▁t ighter ▁Bas el ▁III ▁capital ▁reg ulation , ▁which ▁is ▁primarily ▁based ▁on ▁risk - weight ed ▁assets , ▁may ▁further ▁neg atively ▁affect ▁the ▁stability ▁of ▁the ▁financial ▁system . ▁ ▁It ▁is ▁important ▁to ▁note ▁that ▁both ▁the ▁Fin an cial ▁St ability ▁Board ▁and