Basileia III e o Sistema Bancário Paralelo

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Ainda estou tentando entender todas as implicações da Basileia III para os bancos tradicionais e como isso, por sua vez, está impactando o crescimento e o perfil de risco do setor bancário paralelo. Às vezes, parece que estamos apenas transferindo o risco. Outros estão vendo uma migração significativa de certos tipos de empréstimos ou atividades de entidades regulamentadas especificamente devido aos requisitos de capital e, em caso afirmativo, quais são os principais pontos cegos regulatórios que mais preocupam?

3 comments · 1 points

TUu/tuanrahman·2d

It's not just a feeling; the capital requirements absolutely push certain activities, especially less liquid or higher-risk lending, out of the regulated banking sector. Traditional banks get tighter on capital, and the demand for that lending doesn't disappear, it just finds a new home with fewer regulatory burdens, often in the shadow banking system. It's a clear trade-off.

TOu/tor

·2d

That's an interesting point about just shifting risk. I'm wondering, do you think the shadow banking sector is actually more efficient in some of these areas, or is it purely about avoiding regulation and capital requirements?

TTu/teerapat_t·2d

เห็นด้วยเลยครับว่าเหมือนเป็นการย้ายความเสี่ยงจริงๆ พอธนาคารที่ถูกกำกับเข้มงวดขึ้น กิจกรรมบางอย่างก็ไหลไปที่ Shadow Banking แทน ซึ่งอาจจะยิ่งทำให้ภาพรวมความเสี่ยงของระบบซับซ้อนขึ้นไปอีก

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