Evolución e impacto de la regulación bancaria internacional hasta Basilea III: el caso de América Latina = Evolution and impact of international banking regulation until Basel III: The case of Latin America
DOI:
https://doi.org/10.18002/pec.v0i16/17.1339Palavras-chave:
Acuerdos de Basilea, Regulación bancaria, Crisis financiera, Prociclicidad, América Latina, Basel accords, Banking supervision, Financial crisis, Pro-cyclicality, Latin AmericaResumo
La crisis financiera ha cuestionado la efectividad de los Acuerdos de Basilea como herramienta de regulación y supervisión bancaria a nivel internacional, especialmente por la coincidencia temporal de Basilea II y los problemas del sector bancario. En el caso de América Latina, esto se une tanto a las particularidades de su sistema financiero, que ha afrontado reformas muy significativas en los últimos años, como a la forma diferencial en que la crisis financiera se ha manifestado.
El artículo revisa las características del esquema de regulación bancaria internacional hasta llegar al nuevo Acuerdo de Basilea III y su previsible adaptación al caso latinoamericano, con especial interés sobre los efectos en la financiación y prociclicidad.
The financial crisis has questioned Basel Accords effectiveness as regulatory and supervisory tools in the international banking area, especially because Basel II was firstly applied when banking problems started. In the Latin America case, this happens in a particular financial system, which has suffered significant reforms over the last years, and where the financial crisis has behaved in a different way.
The paper analyses the main characteristics of the international banking regulatory framework until current Basel III Accord. It also addresses its foreseeable adaptation to the Latin American context, with special emphasis on funding and pro-cyclicality
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