scholarly journals Актуелни правци промјена регулације финансијског система // Actual trends of financial system regulation changes

2012 ◽  
Vol 10 (16) ◽  
pp. 173 ◽  
Author(s):  
Драгана Башић
Keyword(s):  
Banking System ◽  
Financial System ◽  
State Intervention ◽  
Banking Regulation ◽  
Positive Effects ◽  
Regulation And Supervision ◽  
International Regulations ◽  
Banking Regulation And Supervision ◽  
Benefits And Costs ◽  
Regulation Changes

Резиме: Сваки финансијски систем због ризика који носи његова сложеност, динамичност и отвореност, неминовно је контролисан и регулисан регулативом локалног и интернационалног карактера. Предности регулације за здравље финансијског система су вишеструке, али се поставља питање: Гдје је граница контроле и регулације, када она прераста своје ефекте и постаје извориште опортунитетних губитака?У овом раду је истражена генеза развоја контроле и регулације у економији и финансијском систему једне земље, дефинисан њен домен и мјере ефеката и истакнути су позитивни ефекти и ограничења државне интервенције, односно регулације и супервизије са аспекта варијације услова њихове примјене.Процес хармонизације банкарске регулације и супервизије на међународном нивоу је веома значајан и дешава се аналогно имплементацији базелских споразума. Увођење и имплементација стандарда базелских споразума и препорука Базелског комитета је свакако допринијела финансијској стабилизацији банкарских система, а хармонизација међународном финансијском стандардизираном извјештању неопходном за рационално доношење одлука при инвестирању. Као и сваки процес, и ови процеси неминовно захтијевају одређену анализу користи и трошкова њихове имплементације, односно анализу њихове исплативости.Summary: Every financial system due to risks of its complexity, dynamism and openness, is inevitably controlled and regulated by local and international regulations. Advantages of regulation for the health of the financial system are multiple, but the question is where are the boundaries of control and regulation, when it outgrows its effects and becomes the source of opportunity losses.This paper explores the genesis of control and regulation development in economy and financial system of a country, defines its domain and measures of effects, and highlights the positive effects and limitations of state intervention, i.e. regulation and supervision from the aspect of variations in conditions of their application.The process of harmonization of banking regulation and supervision at the international level is very important and happens analogous to implementation of the Basel agreements. The introduction and implementation of Basel agreements standards and recommendations of the Basel Committee has certainly contributed to financial stabilization of the banking system, and harmonization of international financial standardized reports necessary for rational decision-making during investment. Like any process, these processes will inevitably require some analysis of the benefits and costs of their implementation, and analysis of their cost-effectiveness.

Banking regulation and supervision: lessons from the czech republic

1998 ◽  
Vol 7 (1) ◽  
Author(s):  
Roman Matoušek
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Present Situation ◽  
Banking Regulation ◽  
Banking Supervision ◽  
The Czech Republic ◽  
Regulation And Supervision ◽  
Banking Regulation And Supervision ◽  
Remarkable Progress ◽  
Made In

We have concentrated on the current issues linked to the goals of banking regulation and supervision. Attention has been focused mainly on the problem of entry into and exit form the banking sector and the institutional framework banking supervision as a whole. Although we are aware that the present situation in emerging markets is far from that of standard economies, we argue that remarkable progress has been made in creating an appropriate banking system since the beginning of the 1996.

scholarly journals Features of Application of Modern Concepts of Bank Regulation and Supervision in Russia

Federalism ◽  
2020 ◽  
pp. 162-172
Author(s):  
L. A. Badalov
Keyword(s):  
Economic Development ◽  
Central Bank ◽  
Banking System ◽  
Bank Regulation ◽  
Banking Regulation ◽  
Regulation And Supervision ◽  
Socio Economic Development ◽  
Bank Regulation And Supervision ◽  
Alternative Approaches ◽  
Banking Regulation And Supervision

Even in times of crisis, the key to stability of the modern banking system remains largely the concepts of banking regulation and supervision used by supervisors. In the context of globalization and external challenges, the Central Bank of Russia is adapting foreign concepts of regulation and supervision to the realities of the Russian financial system in order to ensure sustainable socio-economic development of the country. That is why the article is devoted to the analysis of the effectiveness of modern concepts of banking regulation and supervision. The article lists and characterizes the most common concepts in the use of banking regulation and supervision, as well as provides an author’s view of modern alternative approaches to the organization of banking regulation and supervision, which can allow the Central Bank of Russia to improve the applied supervisory regime.

scholarly journals Deposit flows and structure in Serbia

Bankarstvo ◽  
2020 ◽  
Vol 49 (4) ◽  
pp. 68-87
Author(s):  
Milena Lazić ◽  
Ksenija Zorčić
Keyword(s):  
Financial Crisis ◽  
Global Financial Crisis ◽  
Banking System ◽  
Financial System ◽  
Banking Regulation ◽  
The Stability ◽  
The Global Financial Crisis ◽  
Deposit Guarantee Schemes

Having drawn attention to the existing banking regulation issues, the Global Financial Crisis also raised awareness of the importance of depositors' confidence for the stability of the financial system, and brought the role and significance of the deposit guarantee schemes to the fore. Serbian economy started experiencing its effects in Q4 2008, in parallel with the global spreading of the crisis. This paper focuses on the fluctuations in deposit levels and structure in the Serbian banking system, between 2008 and 2019. It also aims to underscore the importance and development perspectives of the Serbian deposit guarantee scheme.

scholarly journals Foreign Investment, Regulatory Arbitrage, and the Risk of U.S. Banking Organizations

2019 ◽  
Vol 55 (3) ◽  
pp. 955-988 ◽  
Author(s):  
W. Scott Frame ◽  
Atanas Mihov ◽  
Leandro Sanz
Keyword(s):  
Banking Regulation ◽  
Internal Controls ◽  
Location Decisions ◽  
Regulatory Arbitrage ◽  
Holding Companies ◽  
Regulation And Supervision ◽  
Country Differences ◽  
Cross Country ◽  
Banking Regulation And Supervision

This study investigates the implications of cross-country differences in banking regulation and supervision for the international subsidiary locations and risk of U.S. bank holding companies (BHCs). We find that BHCs are more likely to operate subsidiaries in countries with weaker regulation and supervision and that such location decisions are associated with elevated BHC risk and higher contribution to systemic risk. The quality of BHCs’ internal controls and risk management plays an important role in these location choices and risk outcomes. Overall, our study suggests that U.S. banking organizations engage in cross-country regulatory arbitrage, with potentially adverse consequences.

scholarly journals РЕГУЛЮВАННЯ ДІЯЛЬНОСТІ БАНКІВСЬКОГО СЕКТОРА У КОНТЕКСТІ ЗАБЕЗПЕЧЕННЯ ЙОГО ЕКОНОМІЧНОЇ БЕЗПЕКИ

2020 ◽  
pp. 91-98
Author(s):  
Плукар Л.А.
Keyword(s):  
Financial Stability ◽  
Banking Sector ◽  
Banking System ◽  
Banking Regulation ◽  
Economic Security ◽  
State Regulation ◽  
Crisis Prevention ◽  
Regulation And Supervision ◽  
Systemic Risks ◽  
National Banking System

The article substantiates the need to regulate the banking sector to ensure economic security of its operation. The main tasks of state regulation and supervision of the banking sector have been identified. The types of existing models of the institutional structure of the system of banking regulation and distribution of powers between prudential supervisors are revealed. Requirements for the development of a model of regulatory policy in the banking sector of Ukraine have been formed. The necessity of creating early crisis prevention systems (macroeconomic, based on warning indicators), monitoring of systemic financial institutions, application of macroprudential analysis with regular publication of a strategic document - the Financial Stability Report. The foreign experience of macroprudential regulation and supervision with the help of established specialized divisions of central banks on financial stability and security is reflected. The creation of a separate unit of financial stability and security in Ukraine was initiated, reporting directly to the Chairman of the NBU. The scheme of correlation of subjects of management and tools of maintenance of economic safety of national banking system with separation of subjects of management of economic safety of banking sector, tools of maintenance of economic safety of banking sector at the international and national levels of banking supervision is developed. The implementation of the principles of the Basel Accords in the activity of the banking system of Ukraine is determined as a determining factor in strengthening its financial stability and economic security. The issue of trust in the banking system is one of the main criteria for success, efficiency and security of the banking sector of the economy of each state. The need for monitoring and management of systemic risks has been proved.

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