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Bank regulation презентация
Содержание
- 1. Bank regulation
- 2. Need for banking regulation? Banks’ fragility Systemic risk Protection of depositors
- 3. Fragility of banking business $1 m deposit
- 4. Simplified balance sheets of a Financial Institution Secondary securities Primary securities Risk intermediation
- 5. E.g. 1. Deposits’ Withdrawals and Systemic Risk
- 6. Cash deficit
- 7. Cash deficit $1 m deposit cash i1
- 8. Bank panic and bank runs $1 m
- 9. E.g.2. Deterioration of loans quality
- 10. Deterioration of loan quality Loan quality deteriorates Bank capital as a cusion against losses
- 11. Role in Economy: Transmission of Monetary Policy
- 12. Summary FIs are a delegated monitor over
- 13. Central Banks 1991 1913 1998 1864
- 14. Regulation
- 15. Banks supervision: central banks Control over money
- 16. Deposits insurance Federal Deposit Insurance Corporation (FDIC)
- 17. Banks supervision: restriction on entry Chartering and
- 18. Banks supervision: assessment of risk management
- 19. Regulations Consumer protection: Community Reinvestment Act
- 20. Regulation NOT TO REGULATE NOT TO REGULATE
- 21. Calculate risk asset ratio Under Basel I
Need for banking regulation? Banks’ fragility Systemic risk Protection of depositors
Слайд 4Simplified balance sheets of a
Financial Institution
Secondary securities
Primary securities
Risk intermediation
Слайд 10Deterioration of loan quality
Loan quality deteriorates
Bank capital as a cusion against
losses
Слайд 11Role in Economy: Transmission of Monetary Policy
Open market operations (T-bills)
Borrowing of
the last resort
Reserve requirements
M1 M2
Слайд 12Summary
FIs are a delegated monitor over the borrowers when there is:
Economies
of scale in information costs
Benefits of economies of scale > cost of delegation
FIs are risky because of:
Assets transformation
Maturity intermediation
Denomination intermediation
FI are important in economy since they
facilitate payment transactions
allocate investments
are transmitters of central banks’ monetary policy
Benefits of economies of scale > cost of delegation
FIs are risky because of:
Assets transformation
Maturity intermediation
Denomination intermediation
FI are important in economy since they
facilitate payment transactions
allocate investments
are transmitters of central banks’ monetary policy
Слайд 15Banks supervision: central banks
Control over money supply
Prudential control
Open market operations
Reserve requirements
Minimization
of financial crisis
Lender of the last resort
Lender of the last resort
Слайд 16Deposits insurance
Federal Deposit Insurance Corporation (FDIC)
Established in 1934
Resulted in decline of
bank failure rate from 28.16% in 1933 to 0.27% in 1934
Insurance size:
$250,000 in the USA
£75,000 in the UK
€100,000 in the most of EU
Insurance size:
$250,000 in the USA
£75,000 in the UK
€100,000 in the most of EU
Слайд 17Banks supervision: restriction on entry
Chartering and licenses
Minimum capital requirements:
UK: £5 mln.
KZ:
KZT 10 bn.
EU: €5 mln.
Basel I, Basel II, Basel III capital requirements: Equity to Total assets ratios
EU: €5 mln.
Basel I, Basel II, Basel III capital requirements: Equity to Total assets ratios
Слайд 19Regulations
Consumer protection:
Community Reinvestment Act (CRA): banks must serve local communities
Home
Mortgage Disclosure Act (HMDA): prohibited discrimination on the basis of age, race, sex, or income
