A supervisão bancária na América Latina e o acordo de Basiléia II

• Autor(a) principal: Perrelli, Joaquim Tavares
• Data de Publicação: 2008
• Tipo de documento: Dissertação
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações da PUC_SP
• Texto Completo: https://tede2.pucsp.br/handle/handle/9340
• topic: Banco Central; Crise financeira; Supervisão bancária; Teoria da regulação; Estabilidade econômica; Acordo da Basilea II (2004); Bancos -- Supervisao; Central Bank; Financial crisis; Bank supervision; Regulation theory; Economic stability; CNPQ::CIENCIAS SOCIAIS APLICADAS::ECONOMIA

The bank regulation is developed as the financial markets become more complex and sophisticated, consequently increasing its exposition to a greater risk level. Bank supervision is an institution that depends on bank regulation to act, monitoring and inspecting financial institutions, in order to accomplish it aim, financial stability. Basel II agreement incorporates two decades´ concepts, since its previous editions, improving and estabilishing principles for effective supervision and monitoring risk levels according its classification. Its implementation depends however from each evaluated country´s context. In the case study ahead, there are being analysed data and information from World Bank´s research on supervisory structure, budgetary and operational authonomy, among others. So, bank supervision belongs to a proccess and as an activity itself, its evaluation is difficult due to the dynamic nature of the capitalist system. The economies operate in cycles and when economic activity is high, credit operations levels increases too. Between these operations hired during the high level economic activity, there are the operations that will generate troubles when economic activity level becomes lower. So the supervision alternates position between a preventive and corrective set of actions. Its procedures will never be perfect and there will always be financial institutions in trouble so as there will always be financial crisis