Regulation of the banking system
in The UK financial system (fifth edition)
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Bank regulation has seen significant change as a consequence of the 2007-8 global financial crisis. One development that was evident before the crisis but which has come more to the fore since is global harmonisation of regulation. There are two broad methods used by governments to control and support the banking industry, namely provision of a safety net and regulation. This chapter discusses the rationale for regulation, before moving on to consider how regulation should be structured. The rationale for regulation includes the major failures that have occurred in the UK and the various types of risks faced by the banks. The chapter examines the elements of the safety net such as bank supervision, stress tests and deposit insurance, as well as capital adequacy and the Basel I and II accords. It discusses the Basel III framework and examines banking recovery and 'resolution'.


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