Basel III: Global ve Türk bankacılık sektörüne etkileri

Basel kriterleri bankalarda etkin risk yönetimini ve piyasa disiplinini geliştirmek, sermaye yeterliliği ölçümlerinin etkinliğini artırarak sağlam ve etkin bir bankacılık sistemi oluşturmak ve finansal istikrara katkıda bulunmak için yapılan düzenlemelerdir. İlki 1988 yılında yayınlanan ve en sonuncusu da 2010 yılında ilan edilen Basel III kriterleri, bankalar için son düzenleme olmayacaktır. Zamanla piyasadaki gelişmelere uyum sağlamak için daha nice Basel kriterlerine ihtiyaç duyulacaktır. Yapılan düzenlemelerle Basel III kriterleri bankacılık sektörünü daha dayanıklı hale getirerek ve global sermaye ile likidite oranlarını genişletmektedir. Bu çalışmada, Basel III kriterlerinin getirdiği yeniliklere ve uluslararası bankacılık sektörünün karşılaşacağı olumlu ve olumsuz etkilerine değinilecektir.

Basel III: Effects of the global and the Turkish banking sector

Basel Criteria is the regulation that has contributed on developing effective risk management and market discipline,creating a substantial and efficient banking system by increasing the effectiveness of capital adequacy ,measurement and financial stability. Basel criteria was published firstly in 1988 and the last one in 2010 which will not be the last regulation for the banks. In future there will be more need for regulations in order to adapt to market improvements. With these regulations, Basel III criteria expands global capital and liquidity rates by making banking industry more substantial. In this study, the novelties of Basel III criteria and the positive and negative effects of these novelties in the international banking sector will be discussed.

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