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Baselreglerna: En finansiell kris största fiende?
Linköping University, Department of Management and Engineering. Linköping University, Faculty of Arts and Sciences.
Linköping University, Department of Management and Engineering. Linköping University, Faculty of Arts and Sciences.
2014 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
The rules of Basel : The greatest enemy of a financial crisis? (Swedish)
Abstract [sv]

Banker är mer sårbara än vanliga företag då banker är nära sammankopplade med varandra. Att skapa finansiell stabilitet finns i statens, bankernas och allmänhetens intresse. Det finansiella systemet är komplext vilket innebär att många aktörer interagerar med varandra på många olika sätt. Problem i en bank kan lätt spridas till andra banker och en förtroendekris kan leda till att finansiärer tar tillbaka sina insättningar. Att finansieringen hos en bank stryps är ett av de största hoten mot ett fungerande betalningsväsende.

Baselreglerna är ett internationellt regelverk för tillsyn av banker med det främsta syftet att uppnå finansiell stablitet. Trots att risker hos banker har minimerats genom regelverket har en del kritik riktats mot Baselreglerna. Exempelvis att implementeringen är kostsam och att olika aktörer gynnas alternativt missgynnas.

Den stora frågan i uppsatsen är om Baselreglerna kommer att kunna förhindra en framtida finansiell kris. Vi har kommit fram till att det inte finns någon garanti för att en finansiell kris skulle kunna förhindras eftersom det är svårt att täcka upp för alla risker som det komplexa finansiella systemet kan bli utsatt för. Däremot kan Baselreglerna försvåra uppkomsten av en finansiell kris.

Abstract [en]

Banks are more vulnerable than usual businesses because banks are closely connected with each other. A shared interest between the state, the banks and the public is to create financial stability. The financial system is complex which means that several operators interact with each other in many different ways. A problem within a bank can easy spread to neighboring banks and crisis of confidence may affect financiers to withdraw their assets. One of the largest threats to a functioning payment system is if a banks funding is strangled.

The rules of Basel are an international framework of financial rules that regulate banks. The main aims with the rules of Basel are to achieve financial stability. Despite the minimized risk for banks the framework has encountered some criticism. For instance the implementation cost is high and different actors will benefit alternative be disadvantaged by the rules of Basel.

The issue in this essay is whether the Basel rules will be able to prevent a future financial crisis. We conclude that there is no guarantee that a financial crisis could be prevented. This is because it is difficult to cover for all risks that the complex financial system might be exposed to. However, the rules help to prevent the emergence of a financial crisis.

Place, publisher, year, edition, pages
2014. , 42 p.
National Category
Economics
Identifiers
URN: urn:nbn:se:liu:diva-111154ISRN: LIU-IEI-FIL-G—14/01162—SEOAI: oai:DiVA.org:liu-111154DiVA: diva2:753854
Subject / course
Bachelor Thesis in Economics
Supervisors
Examiners
Available from: 2014-10-17 Created: 2014-10-09 Last updated: 2014-10-17Bibliographically approved

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Offesson, SandraArfvidsson, Erik
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