Regolamentazione bancaria: serve un cambio di approccio

Titolo Rivista ECONOMIA E DIRITTO DEL TERZIARIO
Autori/Curatori Giovanni Ferri
Anno di pubblicazione 2017 Fascicolo 2016/3
Lingua Italiano Numero pagine 26 P. 383-408 Dimensione file 492 KB
DOI 10.3280/ED2016-003003
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La crisi finanziaria globale e quella dei debiti sovrani europei hanno portato a nuove regole per l’assunzione di rischi da parte delle banche. Basilea 3 e le misure ad essa accompagnatesi hanno alzato la capitalizzazione bancaria e introdotto altre regole. Sosteniamo che, specialmente nell’approccio europeo one-size-fits-all, le nuove regole hanno impatti negativi sulle banche tradizionali, specie cooperative e casse di risparmio. In primis, tipicamente affidandosi di più ai modelli Internal Rating Based (IRB) rispetto alle banche tradizionali, le banche più orientate alla finanza hanno godono di maggiore flessibilità nel determinare i propri requisiti di capitale, talora sollevando sospetti di arbitraggio regolamentare. Inoltre, le banche tradizionali, particolarmente quelle di minore dimensione, sono improvvidamente aggravate da crescenti costi di compliance a regole disattente alla proporzionalità. Concludiamo che la regolamentazione sta contribuendo a erodere la diversità bancaria in Europa, con potenziali contraccolpi negativi sulla stabilità finanziaria.;

Keywords:Basilea III, regolamentazione bancaria, banche tradizionali e banche orientate alla finanza.

Jel codes:D53, G21, G28

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Giovanni Ferri, Regolamentazione bancaria: serve un cambio di approccio in "ECONOMIA E DIRITTO DEL TERZIARIO " 3/2016, pp 383-408, DOI: 10.3280/ED2016-003003