Basel 3: Banks approved new requirements
The new agreement called the Basel 3 has been signed and will gradually lead to the affirmation of new requirements that banks must comply. Let's look at the features.
The definition
Behind the achievement of which is the basis of the Basel regulation 3 there was a significant work of all the Governors of central banks. The address below for the definition of this regulation was to agree to "conditions" especially in terms of equity the most severe. This choice was due to a desire to make in the future, banks are more resistant to crisis as the last linked to subprime mortgages.
Time is not immediate
Before the definitive entry into force of the new Basel 3 must wait at least 2013, when its contents will begin to be gradually applied to become officers then finally to all member countries by January 2019. Currently, the text of the new Basel Committee should be submitted to the Financial Stability Board, the supra-national body that is currently driving the governor of the Bank of Italy Draghi. The next step will be the ratification of the agreement by next G20 Seoul.
New Requirements
The new Basel 3 has focused particularly on the regulatory capital of banks and its ability to contain risk. In essence, the objective of the new standards is to make banks more robust against possible crisis situations and to ensure that it is important to hold these funds to address the risks. According to Basel 3 banks will have a higher regulatory capital to be directly proportional to the investments that the Institute does. With these solutions, the governors of central banks want to make European institutions more robust and safe for customers. A reflection which seems to make is that, however, this new regulation will not lead banks to invest less to avoid having to deal with the excessive costs related to increasing the mandatory safety fund.
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Questions and Answers
It is fair to say that despite a turbulent year and many challenges, we have made some progress towards this goal. There has been progressive intensification of financial sector reforms, and the financial sector as a whole is more sensitized than before to the need for internal strength and effective management as well as to the overall concerns for financial stability.
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