文档介绍：《巴塞尔协议III》(Basel Agreement III)
"Basel Agreement III”
Definition: the Basel agreement is the abbreviation of the agree0%, the core capital adequacy ratio is also above 8%, the average provision coverage is more than 150%.
The impact on Europe: after the establishment of the Basel III agreement, the European banks suffered the greatest impact, and for banks, the new agreement requires banks to reduce the balance sheet size and scope of business. Banks must raise savings to avoid potential asset losses, and the amount of loans that investors receive will decrease.
Two, improve the banking prudential supervision standards
According to the third edition of "Basel agreement" to determine the new standards of bank capital and liquidity regulation, in the comprehensive assessment of validity based on the current regulatory system, improve the capital adequacy ratio, leverage ratio, liquidity, loan loss provisions and other regulatory standards, supervision system arrangement to build unified, more forward-looking. Enhance the ability to resist risks of banking financial institutions. The (a) to strengthen the regulation of capital adequacy ratio
, improve the capital adequacy ratio calculation method. First, strict capital definition, to enhance the loss of regulatory capital absorptive capacity. The regulatory capital from the current two level classification (tier one capital