Ulusrarası Bankacılık düzenlemelerinden Basel III kriterlerinin finansal istikrara olası etkilerinin değerlendirilmesi

Finansal istikrara ilginin artmasının temel nedenleri, yüksek maliyet içeren finansal krizlerin yaşanması ve krizlerle karşılaşma sıklığının artması ile finansal işlemlerin hacminin artması ve yeni karmaşık enstrümanların ortaya çıkmasıdır. Son küresel finansal krizde edinilen tecrübeler ışığında, Basel Komite tarafından küresel finansal istikrarın tesis edilmesi amacıyla bankaların sermaye ve likidite gereksinimlerinin düzenlenmesine yönelik reform niteliğinde bir dizi yeni düzenleme yapılmıştır. Bankacılık sektörünün finansal sistem ve genel ekonomi içerisinde konumu ve ağırlığı itibarıyla, bankaların gerek ulusal gerekse uluslararası bazda istikrarlı bir yapı ile faaliyetlerini sürdürmesi önem arz eden bir husustur. Bu kapsamda, yapılan çalışmamızda küresel finansal kriz sürecinde geliştirilen Basel III Kriterlerinin finansal istikrara olası etkileri değerlendirilmiştir.

Assessing probable effects of basel III criteria, one of the international banking regulations, on financial stability

Main reasons for the increase in interest on financial stability are living high-cost financial crisis, increasing the frequency of encounter with crises, emergence of new and complex financial instruments, increasing the volume of financial transactions. In the light of experience gained in the last global financial crisis, Basel Committee has performed a series of new reformist regulations in order to establish financial stability for regulating capital and liquidity requirements of banks. As of banking sector position and weight in financial system and overall economy, it is an important issue that banks should carry on their activities with a stable structure both national and international basis. In this context with this study, probable effects of Basel III Criteria on financial stability that improved during global financial crisis has been assessed.

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