Abstract
This research covers in general the issues of banking, capital adequacy, the Basel accords and credit risk. In particular, the aim of the study is to examine the application — in theory and in practice — of the rules published by the Basel Committee, established within the Bank for International Settlements, to prevent economic crises in the banking system.
According to the results of the research, it can be said that regulation in the banking field is useful in preventing economic crises in theory. In practice, each accord requires revision after a certain period, the most important reason being that incalculable risks always exist.
Chapter Structure
- Chapter One — The Basel I and Basel II Accords
- Chapter Two — The Basel III Regulations
- Chapter Three — The Impact of the Basel III Regulations on the Banking Sector (a comparative analysis of the international and Turkish banking sectors)
- Conclusion and Bibliography
How This Work Relates to the Advisory Practice
The question at the centre of the thesis — how capital regulation changes credit decisions — is also the starting point of the advisory offered to companies today. Understanding why a bank prices a loan the way it does requires understanding its capital requirement. The debate on CRR III and the output floor, and its effect on corporate lending, is the current face of that same framework.
The full text of the thesis can be shared on request. Please get in touch with questions on the subject or to request access to the academic work.
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