Baselsääntöihin

Baselsääntöihin, commonly known as the Basel Accords, are a set of international banking regulations developed by the Basel Committee on Banking Supervision (BCBS). The primary objective of these accords is to ensure the stability of the international financial system by establishing minimum capital requirements for banks.

The first Basel Accord, Basel I, was introduced in 1988. It focused on credit risk and established a risk-weighted capital ratio. Banks were required to hold a certain percentage of capital against their risk-weighted assets.

Basel II, published in 2004, refined and expanded upon Basel I. It introduced a more sophisticated approach to risk measurement, incorporating operational risk and market risk alongside credit risk. Basel II also allowed banks more flexibility in calculating their capital requirements, moving towards internal ratings-based approaches.

Basel III was developed in response to the global financial crisis of 2007-2008. It aims to strengthen bank capital and liquidity to improve the banking sector's resilience to financial and economic shocks. Key components of Basel III include higher capital requirements, new liquidity standards, and measures to address systemic risk.

The Basel Accords are not legally binding treaties but are implemented by national regulators in member countries. They have had a significant impact on banking practices worldwide, influencing how banks manage risk and maintain capital adequacy. The ongoing evolution of these accords reflects the dynamic nature of the global financial landscape and the continuous efforts to promote financial stability.