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Previous issue date: 2004-07-28 / The process of transforming local financial market into global centers is contributing to the functional convergence among the markets and favoring the establishment of the Basel II. Activities which were firstly related to the offer of services in local basis, are becoming financial services with uniform and homogeneous characteristics, where the service suppliers are universal instituitions. This liberal moviment has resulted in the removal and simplification of policies, when it authorized the banks to act without the regulation limits through acts previously prohibited.The liberalization and flexibilization of these rules have caused great instability in the financial market, because the economic agents have tried more and more profitability rather than great risks. Because of this complexity that the connected financial system worldwide and the magnitude of the capital flow negotiated was tranformed; the financial risks and economic turbulence have risen. The Basel Capital Accord was created by part of Central banks and entity supervisors of G10 members, then, as an attempt to define the objectives and general mechanisms of supervision of national financial systems , with focus on the banking systems. However, it was noticed later that the present accord was not sufficient to prevent crisis, mainly, the banking crisis. Thus, the Basel Commitee representing once again the international banking industry, elaborated a new Basel Accord, yet more demanding (called Basel II), which has the objective of prevention of banking crisis and correcting the distortion of the old accord. This study it had as objective to verify the impacts of this new Agreement in the national banking institutions. In research carried through with Brazilian banks, showed that the credit area, for being one of most important of a bank, will have that to readjust itself quickly. It showed, also, that the small Brazilian financial institutions will suffer to greaters impacts from the Basel II. / O processo de transforma????o de mercados financeiros locais em centros globais est?? contribuindo para a converg??ncia funcional entre mercados. Atividades antes relacionadas com oferta de servi??os em bases locais ganham dimens??o de servi??os financeiros dotados de caracter??sticas uniformes e homog??neas, em que os prestadores de servi??os s??o institui????es universais. Este movimento liberal implicou na retirada e na simplifica????o das normas, ao autorizar os Bancos a agir sem os limites regulamentares por meio de comportamentos anteriormente vedados. A liberaliza????o e a flexibiliza????o desses regulamentos causou grande instabilidade no sistema financeiro, j?? que os agentes econ??micos buscaram, cada vez mais, rentabilidade ?? custa de maiores riscos. Em face dessa complexidade em que se transformaram os sistemas financeiros mundialmente interligados e da magnitude dos fluxos de capitais transacionados, ampliaram-se os riscos financeiros e as turbul??ncias econ??micas. O Acordo da Basil??ia surgiu, ent??o, como uma tentativa por parte dos Bancos Centrais e entidades supervisoras dos pa??ses membros do G-10 de definir objetivos e mecanismos gerais de supervis??o dos sistemas financeiros nacionais, com foco no sistema banc??rio. Entretanto, observou-se com o tempo que o Acordo vigente n??o foi suficiente para prevenir crises, principalmente, as banc??rias. Desse modo, o Comit?? da Basil??ia, representando mais uma vez a ind??stria banc??ria internacional, elaborou um novo Acordo, ainda mais exigente (denominado Basil??ia II), que tem como objetivo a preven????o de crises banc??rias e de corrigir eventuais distor????es do Acordo antigo. Este estudo teve como objetivo verificar os impactos desse novo Acordo nas institui????es banc??rias nacionais. Em pesquisa realizada com Bancos brasileiros, a ??rea de cr??dito, por ser uma das mais importantes, ter?? que se readaptar rapidamente. Mostrou, tamb??m, que as pequenas institui????es financeiras brasileiras sofrer??o os maiores impactos com a implanta????o da Basil??ia II.
| Identifer | oai:union.ndltd.org:IBICT/oai:132.0.0.61:tede/682 |
| Date | 28 July 2004 |
| Creators | Costa Junior, Luis Carlos Fontes |
| Contributors | Segreti, Jo??o Bosco, Slomski, Valmor, Peleias, Ivam Ricardo |
| Publisher | FECAP, Mestrado em Controladoria e Contabilidade Estrat??gica, FECAP, Brasil, Funda????o escola de Com??rcio ??lvares Penteado |
| Source Sets | IBICT Brazilian ETDs |
| Language | Portuguese |
| Detected Language | English |
| Type | info:eu-repo/semantics/publishedVersion, info:eu-repo/semantics/masterThesis |
| Format | application/pdf |
| Source | reponame:Biblioteca Digital de Teses e Dissertações do FECAP, instname:Fundação Aramando Álvares Penteado, instacron:FAAP |
| Rights | http://creativecommons.org/licenses/by-nc-nd/4.0/, info:eu-repo/semantics/openAccess |
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