Presentation Du Nouvel Accord De Bale Sur Les Fonds Propres

TL;DR

This paper explains the architecture of the Basel 1999 agreement, emphasizing its three-pillar structure designed to adapt banking regulation to a liberalized financial environment.

Contribution

It presents a detailed overview of the Basel 1999 accord's architecture, highlighting its innovative three-pillar framework for banking prudential regulation.

Findings

Introduction of a three-pillar regulatory framework

Enhanced focus on market discipline and supervisory review

Alignment of capital requirements with risk assessment

Abstract

In order to adapt to the liberalization of the financial sphere started in the Eighties, marked in particular by the end of the framing of credit, the disappearance of the various forms of protection of the State whose profited the banks, and the privatization of the near total of the establishments in Europe, the banking regulation evolved to a prudential approach, perceived like the only mode of regulation not entering in contradiction with the rules of the market. The current banking regulation is pressed on the supervision, the discipline of the market and the ratios prudential; in particular the ratios of the minimal own capital stocks. The object of this article is the presentation of the architecture of the new agreement of Basle (1999) which is based on three pillars consolidating it self mutually.