Basel III jako reakce na nedostatky v bankovní regulaci a dohledu a jeho dopady na bankovní sektor Evropské unie a České republiky

Abstract

The aim of this thesis is to clarify the complex picture of the development of the banking regulation and the supervision in the European Union and the Czech Republic before and after the recent global financial crisis and to assess the impacts of the new rules of Basel III on the Czech banking sector adopted on base of the capital requirements. The thesis consists of four parts and there were used the description and analysis methods and there were used classification and induction as a additional methods. Banking regulation and supervision and their future shape are one of the most discussed topics among economists, politicians, national and international institutions engaged in banking regulation and supervision since the crisis erupted . All these subjects argree with the idea that banking regulation and supervision is necessary, but their intensity and rules are questionable. The reacition on the deficiencies in banking regulation and supervision is a new agreement of capital adequacy Basel III, issued by the Basel Committee on Banking Supervision. The introduction of new rules contained in this agreement should help to prevent and to mitigate of the adverse impacts of possible future financial crises or only of the mild economic fluctuations.