Looking for some research, outline help with my Masters question, context and requirement detailed below. References, also really helpful.

5. Context Theme 3 of our GIFP module covers a number of areas relating to risk and risk management whilst Theme 4 looks at the operational aspects of financial institutions and both are set against a background of minimising risk through regulation. There is a potential conflict between these two areas. Regulation is aimed at reducing systemic risk but financial institutions, especially banks, take risks every time they lend money. Since the recent global financial crisis, banks in many countries have been criticised for not lending enough to small and medium sized businesses, especially in times of recession when they need funds the most, as regulators and regulations force the banks to focus on quality within their lending operations. This is referred to as the counter cyclical argument. Banks are effectively firms and their primary objective is maximising shareholder wealth through profit maximisation. However, regulators impose strict operating restrictions on banks as their objective is to control the bank's liquidity and solvency in an attempt to minimise systemic risk especially in the post crisis era. 6. Requirement: Critically review how the tensions between these two objectives can be resolved showing how banks can attempt to maximise their profits whilst operating under these regulatory constraints. Your conclusions should be based on evidence you have reviewed and you may draw upon relevant theories and ideas and where appropriate use analysis, arguments and justification by using examples and illustrations.