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Regolamentazione bancaria: serve un cambio di approccio
Titolo Rivista: ECONOMIA E DIRITTO DEL TERZIARIO  
Autori/Curatori: Giovanni Ferri 
Anno di pubblicazione:  2016 Fascicolo: Lingua: Italiano 
Numero pagine:  26 P. 383-408 Dimensione file:  492 KB
DOI:  10.3280/ED2016-003003
Il DOI è il codice a barre della proprietà intellettuale: per saperne di più:  clicca qui   qui 


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 Code: D53, G21, G28

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Giovanni Ferri, in "ECONOMIA E DIRITTO DEL TERZIARIO " 3/2016, pp. 383-408, DOI:10.3280/ED2016-003003

   

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