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New challenges in the management of banking risks

机译:银行风险管理中的新挑战

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The recent financial and economic crisis has negatively affected the entire economy, especially the banking system, causing a reduction of economy growth, an increase of non-performing loans, a deterioration of financial stability indicators and an increase of inflation. From this experience have been extracted a number of lessons, but also new challenges to the monetary authorities on the management of such situations in the future. The measures taken to reduce the vulnerabilities of the banking system have led to actions at both micro and macroeconomic level, being accompanied by additional costs and new risks. The objective of this article is to emphasize the risks propagated on the banking system in the recent economic and financial crisis, the measures who have been undertaken to reduce them and the evaluation of the level in which one adequate risk management can ensure the positive development of banking activity and the stability of the economy. Into crisis context we could identify a number of destabilizing factors that have affected the performance of banks and created the instability in the entire system. As a reaction to these events, monetary authorities have acted by implementing legislative measures that have targeted the business model implemented in banks, but also the liquidity and capital level. However, to achieve the proposed goals is required the adoption of some actions on banks level, taken individually, which were materialized in the modification of investment policies, mergers, corporate governance, entry into other markets and so on. The analysis shows that the banking system is characterized by a high level of sensitivity, subjected to vulnerabilities caused by the recent international crisis and the increase of risks at his structure. The measures taken to reduce the risks were differentially according to the level of development of each country, but the compliance therewith has reduced the negative effects of the crisis and provided a better risk management to help avoid such situations in the future.
机译:最近的金融和经济危机对整个经济,特别是银行体系产生了负面影响,导致经济增长减少,增加不良贷款,金融稳定指标恶化和通货膨胀的增加。从这种经验中已经提取了许多课程,而且还对货币当局在未来管理这些情况的新挑战。减少银行系统脆弱性采取的措施导致了微观和宏观经济水平的行动,伴随着额外的成本和新风险。本文的目标是强调在最近的经济和金融危机中对银行系统传播的风险,以减少其减少的措施以及对一个充分风险管理的水平的评估可以确保积极发展的措施银行活动与经济稳定。陷入危机背景下,我们可以识别一些影响银行表现的稳定因素,并在整个系统中创造了不稳定。作为对这些事件的反应,货币当局通过实施针对银行实施的商业模式的立法措施,也是流动性和资本水平。然而,为了实现拟议目标,需要采用银行级别的一些行动,单独采取,这些行动在投资政策,兼并,公司治理,进入其他市场进入其他市场等方面进行了重大。分析表明,银行系统的特点是高度敏感性,受到最近国际危机引起的脆弱性和他结构的风险的增加。根据每个国家的发展水平,减少风险所采取的措施,但与其的遵守情况降低了危机的负面影响,并提供了更好的风险管理,以帮助避免将来的这种情况避免这种情况。

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