tailieunhanh - Lecture Legal and regulatory aspects of banking supervision – Chapter 2

The following will be discussed in this chapter: General principles of banking regulation, banking crises, banking system (operations, potential problems, criticality), institutional investors, investment banks, pension funds, hedge funds. | MBF-705 LEGAL AND REGULATORY ASPECTS OF BANKING SUPERVISION OSMAN BIN SAIF Session: Two Summary of Previous Session Course Objectives Key Learning Outcomes Course Contents/ Structure Why we need regulations? Who are the supervisors / regulators of banking industry? How bank earns Profit? What is safety and soundness of a bank? How is safety and soundness of a bank measured? CAMELS 2 Summary of Previous Session (Contd.) What is consumer protection? What are the key objectives of bank regulation? 3 Agenda of this session General principles of banking regulation Banking Crises Banking system (Operations, potential Problems, Criticality) Institutional investors investment banks Pension Funds Hedge funds Central Bank. US Example 4 Agenda of this Session (Contd.) Government Securities / Bonds Credit rating agencies Mortgage Brokers Secondary Mortgage Markets Mortgage backed security OTC 5 General Principles of Bank Regulations Banking regulations can vary widely across nations and . | MBF-705 LEGAL AND REGULATORY ASPECTS OF BANKING SUPERVISION OSMAN BIN SAIF Session: Two Summary of Previous Session Course Objectives Key Learning Outcomes Course Contents/ Structure Why we need regulations? Who are the supervisors / regulators of banking industry? How bank earns Profit? What is safety and soundness of a bank? How is safety and soundness of a bank measured? CAMELS 2 Summary of Previous Session (Contd.) What is consumer protection? What are the key objectives of bank regulation? 3 Agenda of this session General principles of banking regulation Banking Crises Banking system (Operations, potential Problems, Criticality) Institutional investors investment banks Pension Funds Hedge funds Central Bank. US Example 4 Agenda of this Session (Contd.) Government Securities / Bonds Credit rating agencies Mortgage Brokers Secondary Mortgage Markets Mortgage backed security OTC 5 General Principles of Bank Regulations Banking regulations can vary widely across nations and jurisdictions. The general principles of bank regulation throughout the world are— Minimum Requirements; Supervisory Review; Market Discipline. 6 General Principles of Bank Regulations (Contd.) Minimum Requirements Requirements are imposed on banks in order to promote the objectives of the regulator. The most important minimum requirement in banking regulation is maintaining minimum capital ratios. 7 General Principles of Bank Regulations (Contd.) Supervisory Review Banks are required to be issued with a bank license by the regulator in order to carry on business as a bank, and the regulator supervises licensed banks for compliance with the requirements and responds to breaches of the requirements through obtaining undertakings, giving directions, imposing penalties or revoking the bank’s license. 8 General Principles of Bank Regulations (Contd.) Market Discipline The regulator requires banks to publicly disclose financial and other information, and depositors and other creditors are able to .

• Ngân hàng - Tín dụng
• Banking supervision
• Banking operations
• Banking practices globally
• Role of the supervisor
• Banking companies ordinance
• Bank regulation
• Banking system
• Financial supervision
• Mortgage brokers