Mikroprudentialseteks

Mikroprudentialseteks refers to regulatory policies and supervisory practices aimed at ensuring the safety and soundness of individual financial institutions. The term "mikroprudential" signifies a focus on the micro-level, meaning it examines each bank, insurance company, or other financial entity on its own merits. This contrasts with macroprudential policy, which looks at the stability of the financial system as a whole.

The core objective of mikroprudentialseteks is to prevent individual institutions from failing. This is achieved through various measures. Capital requirements, such as those mandated by Basel Accords, ensure that banks hold sufficient capital to absorb potential losses. Liquidity requirements, similarly, aim to guarantee that institutions have enough liquid assets to meet their short-term obligations. Stress tests are often employed to assess how well firms would fare under adverse economic conditions.

Supervisors monitor institutions for compliance with these regulations and also assess their risk management practices, governance, and overall business models. Early intervention is a key aspect, allowing regulators to address problems before they become systemic. The goal is to foster confidence in the financial sector by assuring depositors, investors, and the wider public that individual firms are well-managed and resilient. While distinct, mikroprudential and macroprudential approaches are often complementary, working together to create a more stable financial environment.