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The Features, Background and Difficulties of Bank Regulatory Capital Requirements

Alíz Zsolnai
PhD, Chief Senior Counsellor, Ministry for National Economy of Hungary

Published in: Public Finance Quarterly 2012/2 (p. 200-212.)


Summary: Credit institutions are the driving force and financiers of the economy. Due to the decisive role of credit institutions, issues related to bank regulation are surrounded by eternal debate and conflict. This publication aims to explore the aspects, problems and anomalies of regulatory capital requirements involving individual domestic and local credit institutions in the area of bank regulation. The author proceeds to examine the scope, reach and depth of regulatory capital requirements, especially their inadequate nature and problems related to application with regard to smaller, local credit institutions (principally cooperative banks). In addition, the publication addresses, with a view to the legal aspect of regulatory issues, the disharmonies of integration related to individual policy areas.

Keywords: regulation, capital requirement, bank, cooperative credit institution

Journal of Economic Literature (JEL) kód: G21, G32, G15, F34


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