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Regolamentazione bancaria: serve un cambio di approccio

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  • Giovanni Ferri

Abstract

La crisi finanziaria globale e quella dei debiti sovrani europei hanno portato a nuove regole per l?assunzione di rischi da parte delle banche. Basilea 3 e le misure ad essa accompagnatesi hanno alzato la capitalizzazione bancaria e introdotto altre regole. Sosteniamo che, specialmente nell?approccio europeo one-size-fits-all, le nuove regole hanno impatti negativi sulle banche tradizionali, specie cooperative e casse di risparmio. In primis, tipicamente affidandosi di pi? ai modelli Internal Rating Based (IRB) rispetto alle banche tradizionali, le banche pi? orientate alla finanza hanno godono di maggiore flessibilit? nel determinare i propri requisiti di capitale, talora sollevando sospetti di arbitraggio regolamentare. Inoltre, le banche tradizionali, particolarmente quelle di minore dimensione, sono improvvidamente aggravate da crescenti costi di compliance a regole disattente alla proporzionalit?. Concludiamo che la regolamentazione sta contribuendo a erodere la diversit? bancaria in Europa, con potenziali contraccolpi negativi sulla stabilit? finanziaria.

Suggested Citation

  • Giovanni Ferri, 2016. "Regolamentazione bancaria: serve un cambio di approccio," ECONOMIA E DIRITTO DEL TERZIARIO, FrancoAngeli Editore, vol. 2016(3), pages 383-408.
    • Handle: RePEc:fan:ededed:v:html10.3280/ed2016-003003
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    More about this item

    Keywords

    Basilea III; regolamentazione bancaria; banche tradizionali e banche orientate alla finanza.;
    All these keywords.

    JEL classification:

    • D53 - Microeconomics - - General Equilibrium and Disequilibrium - - - Financial Markets
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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