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Prudential Regulation And Banking Supervision

Prudential Regulation and Banking Supervision PDF

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Author: Vincent P. Polizatto
Publisher: World Bank Publications
ISBN:
Size: 79.70 MB
Format: PDF, Docs
Category : Banking law
Languages : en
Pages : 33
View: 3544



Banking Regulation In Israel

Banking Regulation in Israel PDF

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Author: Ruth Plato-Shinar
Publisher: Kluwer Law International B.V.
ISBN: 9041167927
Size: 72.15 MB
Format: PDF, Kindle
Category : Law
Languages : en
Pages : 330
View: 426


In the aftermath of the 2008 global financial crisis, many governments are seeking ways to improve their banking regulation systems in the interests of both economic health and consumer protection. Among the globally competitive countries that withstood the crisis with no significant disruption, Israel stands out, suggesting that other countries might benefit from an in-depth analysis of its banking system. This is the first book in English to provide such an analysis, emphasizing the crucial balance between prudential regulation and conduct of business regulation, which in Israel are both regulated by the same agency, unlike the ‘Twin Peaks’ model that prevails in other market-based economies. With recommendations that are highly applicable to many countries, the book examines a broad range of issues that are of current concern to the banking community worldwide. Among these issues are the following: – the architecture of financial regulation; – nationalization and privatization of banks; – conflicts of interest in the banking system resulting from universal banking; – problems of concentration and lack of competitiveness in the banking system; – the growing power of institutional investors and their entry into traditional banking activities; – mechanisms for recovery and resolution in the event of a bank failure; – new models of banking regulation, such as self-regulation and contractual regulation; and – bank consumer protection, complaint handling and redress. Even though the book focuses on Israeli banking regulation, its detailed attention to the development of a suitable supervisory model is of immeasurable international value for regulators, lawyers, bankers, academics, and business people who are in any way connected to the banking world; particularly following the 2008 crisis and its devastating effects. It is sure to be of service as many jurisdictions continue to search for optimal tools designed to prevent another such crisis.

European Prudential Banking Regulation And Supervision

European Prudential Banking Regulation and Supervision PDF

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Author: Larisa Dragomir
Publisher: Routledge
ISBN: 1135149917
Size: 55.98 MB
Format: PDF, ePub, Mobi
Category : Business & Economics
Languages : en
Pages : 448
View: 3992


The financial market events in 2007-2009 have spurred renewed interest and controversy in debates regarding financial regulation and supervision. This book takes stock of the developments in EU legislation, case law and institutional structures with regards to banking regulation and supervision, which preceded and followed the recent financial crisis. It does not merely provide an update, but anchors these developments into the broader EU law context, challenging past paradigms and anticipating possible developments. The author provides a systematic analysis of the interactions between the content of prudential rules and the mechanisms behind their production and application European Prudential Banking Regulation and Supervision includes discussions of the European banking market structure and of regulatory theory that both aim to circumscribe prudential concerns. It scrutinises the content of prudential norms, proposes a qualification of these norms and an assessment of their interaction with other types of norms (corporate, auditing and accounting, consumer protection, competition rules). It also features an analysis of the underpinning institutional set-up and its envisaged reforms, focusing on the typical EU concerns related to checks and balances. Finally, the book attempts to revive the debate on supervisory liability, in light of the developments discussed. This book will be of great value to all those interested in financial stability matters (practitioners, policy-makers, students, academics), as well as to EU law scholars.

Optimal Prudential Regulation Of Banks And The Political Economy Of Supervision

Optimal Prudential Regulation of Banks and the Political Economy of Supervision PDF

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Author: Mr.Thierry Tressel
Publisher: International Monetary Fund
ISBN: 1498338550
Size: 75.13 MB
Format: PDF, Kindle
Category : Business & Economics
Languages : en
Pages : 61
View: 4188


We consider a moral hazard economy in banks and production to study how incentives for risk taking are affected by the quality of supervision. We show that low interest rates may generate excessive risk taking. Because of a pecuniary externality, the market equilibrium may not be optimal and there is a need for prudential regulation. We show that the optimal capital ratio depends on the macro-financial cycle, and that, in presence of production externalities, it should be complemented by a constraint on asset allocation. We show that the political process tends to exacerbate excessive risk taking and credit cycles.

Bank Prudential Supervision

Bank Prudential Supervision PDF

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Author: Australian National Audit Office
Publisher:
ISBN: 9780642443052
Size: 14.67 MB
Format: PDF, Docs
Category : Banking law
Languages : en
Pages : 112
View: 5887


The Australian Prudential Regulation Authority (APRA) was established on 1 July 1998 as the prudential regulator of banks and other authorised deposit-taking institutions (ADIs), life insurance companies (including friendly societies), general insurance companies, superannuation funds and retirement savings accounts. ANAO's objectives for this audit were to assess the efficiency and effectiveness of APRA's prudential supervision of banks. Prudential supervision aims to protect depositors by ensuring that financial institutions adopt prudent risk management practices designed to ensure their continuing solvency and liquidity. APRA is a relatively new organisation, established in July 1998 and becoming responsible for prudential supervision of all ADIs from July 1999. ANAO concluded that there are steps APRA can take in a number of areas to improve its supervisory practices, including improving the administration of the ADI supervisory levy; strengthening its risk management approach; and maintaining closer adherence to international standards for prudential supervision issued by the Basle Committee on Banking Supervision. ANAO made five recommendations concerning administration of levies, risk-based supervision and supervision of cross-border banking. APRA agreed, or agreed with qualifications, to all recommendations, as well as agreeing with the overall audit conclusions.

Cross Border Banking

Cross border Banking PDF

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Author: Gerard Caprio
Publisher: World Scientific
ISBN: 981277341X
Size: 18.73 MB
Format: PDF, ePub, Mobi
Category : Business & Economics
Languages : en
Pages : 477
View: 4009


Cross-border banking, while having the potential for a more efficient financial sector, also creates potential challenges for bank supervisors and regulators. It requires cooperation by regulatory authorities across jurisdictions and a clear delineation of authority and responsibility. That delineation is typically not present and regulatory authorities often have significantly different incentives to respond when cross-border-active banks encounter difficulties. Most of these issues have only begun to be seriously evaluated. This volume, one of the first attempts to address these issues, brings together experts and regulators from different countries. The wide range of topics discussed include: the current landscape of cross-border bank activity, the resulting competitive implications, emerging challenges for prudential regulation, safety net concerns, failure resolution issues, and the potential future evolution of international banking. This book has been selected for coverage in: . OCo Index to Social Sciences & Humanities Proceedings- (ISSHP- / ISI Proceedings). OCo Index to Social Sciences & Humanities Proceedings (ISSHP CDROM version/ISI Proceedings). Sample Chapter(s). Chapter 1: Cross-Border Banking: Forces Driving Change and Resulting Regulatory Challenges (363 KB). Contents: Special Addresses: Cross-Border Banking: Forces Driving Change and Resulting Regulatory Challenges (M H Moskow); Cross-Border Banking and the Challenges Faced by Host Country Authorities (G Ortiz); Survey of the Current Landscape: Risks in US Bank International Exposures (N Cetorelli & L S Goldberg); Cross-Border Banking in Asia: Basel II and Other Prudential Issues (S Hohl et al.); Competitive Implications: Competitive Implications of Cross-Border Banking (S Claessens); Bank Concentration and Credit Volatility (A Micco & U Panizza); Prudential Regulation Issues: Home and Host Supervisors' Relations from a Host Supervisor's Perspective (P Bednarski & G Bielicki); Basel II Home Host Issues (P Jackson); Market Discipline Issues: Confronting Divergent Interests in Cross-Country Regulatory Arrangements (E J Kane); Market Discipline Issues Associated with Cross-Border Banking (D D Evanoff); Safety Net Issues: The Lender of Last Resort in the European Single Financial Market (G J Schinasi & P G Teixeira); Payment Systems and the Safety Net: The Role of Central Bank Money and Oversight (J Stehm); Insolvency Resolution Issues: Banking in a Changing World: Issues and Questions in the Resolution of Cross-Border Banks (M Krimminger); Bank Insolvency Procedures as Foundation for Market Discipline (A Angkinand & C Wihlborg); Policy Panel: Where to from Here?: Comments on Cross-Border Banking: Regulatory Challenges (C Calari); Designing the Home-Host Relationship to Support in Good Times and Bad: Trans-Tasman Developments (A Orr); and other papers. Readership: Professors teaching financial institutions, banking, financial regulation, or international financial markets; research economists interested in financial markets and institutions; financial regulators and policy-makers; financial consultants with internationally active customers."

Ireland

Ireland PDF

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Author: International Monetary Fund. Monetary and Capital Markets Department
Publisher: International Monetary Fund
ISBN: 1475542283
Size: 29.84 MB
Format: PDF, Kindle
Category : Business & Economics
Languages : en
Pages : 29
View: 5474


This Technical Note discusses the findings and recommendations made in the Financial Sector Assessment Program for Ireland in the areas of banking supervision and observance of the Basel core principles. The effective operational implementation of the Single Supervisory Mechanism (SSM) is well established in Ireland, and all authorities are actively engaged and committed to the new supervisory framework led by the European Central Bank. The SSM has further strengthened the prudential regulation and supervision of banks since the time of the 2013 assessment. The transition to the operational implementation of the SSM has not resulted in major gaps in banking supervision, but some transitional challenges remain.

The Regulation And Supervision Of Domestic Financial Conglomerates

The Regulation and Supervision of Domestic Financial Conglomerates PDF

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Author: David H. Scott
Publisher: World Bank Publications
ISBN:
Size: 39.25 MB
Format: PDF, Kindle
Category : Conglomerate corporations
Languages : en
Pages : 38
View: 6523



Central Banks As A Bank Supervisor

Central Banks as a Bank Supervisor PDF

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Author: Stanyo Dinov
Publisher: Tectum Wissenschaftsverlag
ISBN: 3828869629
Size: 46.55 MB
Format: PDF, Kindle
Category : Law
Languages : en
Pages : 108
View: 6403


Stanyo Dinov analyses and compares the three most advanced and most influential financial systems in the world, their structure, models of regulation and their actual financial legislation against the background of the global financial crisis in 2007. After a brief introduction, the first chapter is devoted to the function of the Central Banks and the two main divisions theories about the role of the CBs, namely their responsibility for monetary policy, or for monetary policy and banking supervision. The work also displays the four existing regulative approaches to financial supervision: the Institutional, the Functional, the Integrated and the Twin Peaks. The main part represents and compares the Central Banks and their regulatory structure, starting with the oldest one, the BoE. The benefits and the drawbacks of the one or the other system are outlined. In the conclusion, the most important results are presented and an ideal modal solution is suggested.

Banking Regulation Of Uk And Us Financial Markets

Banking Regulation of UK and US Financial Markets PDF

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Author: Dalvinder Singh
Publisher: Routledge
ISBN: 1317176316
Size: 28.88 MB
Format: PDF, Mobi
Category : Business & Economics
Languages : en
Pages : 238
View: 938


Dalvinder Singh provides an interdisciplinary analysis of the legal aspects of prudential supervision. This gives the reader a broader understanding of the core processes of banking supervision. By using the UK as a case study, a comparison is made with the US to illustrate the different ways of approaching the issues. The author examines the legal as well as the theoretical, economic, political and policy issues that underpin the purpose of prudential supervision, such as corporate governance, enforcement sanctions, the role of external auditors and accountability of financial regulators. These are considered in the context of broad-policy considerations which render prudential supervision necessary, namely financial stability and depositor protection. The book will be of interest to academics, policymakers, regulators and practitioners, and equally will serve specialist undergraduate and postgraduate programmes in law, management and economics which focus on financial regulation.

Aligning Financial Supervisory Structures With Country Needs

Aligning Financial Supervisory Structures with Country Needs PDF

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Author: Jeffrey Carmichael
Publisher: World Bank Publications
ISBN: 9780821360026
Size: 10.76 MB
Format: PDF, Kindle
Category : Business & Economics
Languages : en
Pages : 263
View: 7591


This publication contains the proceedings of an international conference on the regulation of financial institutions and supervisory structural reforms, held in Washington D.C., United States in December 2003 and involving participants from 52 countries. It considers case studies of experiences of regulatory reform approaches adopted in a number of countries including Australia, South Africa, Ireland, Sweden, Hungary and Estonia.

Guernsey

Guernsey PDF

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Author: International Monetary Fund
Publisher: International Monetary Fund
ISBN: 1455213748
Size: 54.86 MB
Format: PDF, ePub, Mobi
Category : Business & Economics
Languages : en
Pages : 89
View: 4755


The Basel Core Principles for Effective Banking Supervision (BCP) assessment confirms the high standard of prudential regulation and supervision described in the 2003 assessment, and found that the issues identified have largely been addressed. The Guernsey Financial Services Commission (GFSC), being the integrated regulator, is responsible for the regulation and supervision of all financial institutions and services provided on the island, and as the banking supervisor, has disciplinary powers to address safety and soundness issues. The GFSC cooperates with the home supervisors of institutions active on the island. Several broad areas for further action have been identified.

Australia

Australia PDF

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Author: International Monetary Fund. Monetary and Capital Markets Department
Publisher: International Monetary Fund
ISBN: 148439898X
Size: 14.53 MB
Format: PDF, Docs
Category : Business & Economics
Languages : en
Pages : 281
View: 6086


This Detailed Assessment of Observance report specifies Base Core Principles (BCP) for effective banking supervision in Australia. An assessment of the effectiveness of banking supervision requires a review of the legal framework, and a detailed examination of the policies and practices of the institution(s) responsible for banking regulation and supervision. In line with the BCP methodology, the assessment focused on banking supervision and regulation in Australia and did not cover the specificities of regulation and supervision of other financial institutions. The assessment has made use of five categories to determine compliance: compliant; largely compliant, materially noncompliant, noncompliant, and non-applicable. The report insists that Australian Prudential Regulation Authority (APRA) should put more focus on assessing the various components of firms’ Internal Capital Adequacy Assessment Process and other firm-wide stress testing practices. A periodic more comprehensive assessment of banks’ risk management and governance frameworks will further enhance APRA’s supervisory approach.

Islamic Banking

Islamic Banking PDF

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Author: Mr.Luca Errico
Publisher: International Monetary Fund
ISBN: 1451980418
Size: 44.74 MB
Format: PDF, ePub, Docs
Category : Business & Economics
Languages : en
Pages : 32
View: 1024


This paper analyzes the implications of Islamic precepts on banks’ structure and activities, focusing on banking supervision issues. It points out and discusses these issues in the context of a paradigm version of Islamic banking, as well as in frameworks that fall between the paradigm version and conventional banking. The case of Islamic banks operating in a conventional system is also examined.

Global Bank Regulation

Global Bank Regulation PDF

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Author: Heidi Mandanis Schooner
Publisher: Academic Press
ISBN: 9780080925806
Size: 67.32 MB
Format: PDF
Category : Law
Languages : en
Pages : 352
View: 1735


Global Bank Regulation: Principles and Policies covers the global regulation of financial institutions. It integrates theories, history, and policy debates, thereby providing a strategic approach to understanding global policy principles and banking. The book features definitions of the policy principles of capital regularization, the main justifications for prudent regulation of banks, the characteristics of tools used regulate firms that operate across all time zones, and a discussion regarding the 2007-2009 financial crises and the generation of international standards of financial institution regulation. The first four chapters of the book offer justification for the strict regulation of banks and discuss the importance of financial safety. The next chapters describe in greater detail the main policy networks and standard setting bodies responsible for policy development. They also provide information about bank licensing requirements, leading jurisdictions, and bank ownership and affiliations. The last three chapters of the book present a thorough examination of bank capital regulation, which is one of the most important areas in international banking. The text aims to provide information to all economics students, as well as non-experts and experts interested in the history, policy development, and theory of international banking regulation. Defines the over-arching policy principles of capital regulation Explores main justifications for the prudent regulation of banks Discusses the 2007-2009 financial crisis and the next generation of international standards of financial institution regulation Examines tools for ensuring the adequate supervision of a firm that operates across all time zones

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