Bitte verwenden Sie diesen Link, um diese Publikation zu zitieren, oder auf sie als Internetquelle zu verweisen: https://hdl.handle.net/10419/72457 
Erscheinungsjahr: 
2013
Schriftenreihe/Nr.: 
IW Policy Paper No. 6/2013
Verlag: 
Institut der deutschen Wirtschaft (IW), Köln
Zusammenfassung: 
This paper presents and critically evaluates the bank capital requirement rules proposed by the European Union - the capital requirements directive CRD IV and the capital requirements regulation CRR. First, the rules of the Basel III accord about equity capital standards of banks are briefly described. Second, the EU proposal based on Basel III is presented. The article differentiates between rules fully in line with Basel III, modified rules, and new rules not covered by Basel III. Third, the EU proposals are critically evaluated. The paper concludes that the proposals lead in the right direction, but there is still much room for improvement. In fact, some of the planned rules should be urgently revised. Above all, risk weights for member state government bonds must be introduced, liquidity requirements should not overly favour government bonds, and member states should be able to set capital requirements which are greater than 18% of risk-weighted assets.
Schlagwörter: 
Banken und Versicherungen
Europäische Währungsunion
Finanzmärkte
Finanzmarktregulierung
JEL: 
G21
G18
G32
Dokumentart: 
Working Paper

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