The risk of damage being done to the health of the financial system as a whole. A constant concern of bank regulators is that the collapse of a single bank could bring down the entire financial system. This is why regulators often organize a rescue when a bank gets into financial difficulties. However, the expectation of such a rescue may create a moral hazard, encouraging banks to behave in ways that increase systemic risk. Another concern of regulators is that the risk management methods used by banks are so similar that they may increase systemic risk by creating a tendency for crowd behavior. In particular, problems in one market may cause banks in general to liquidate positions in other markets, causing a vicious cycle of liquidity being withdrawn from the financial system as everybody rushes for the emergency exit at once. (See capital asset pricing model. )