Dohled nad bankovním sektorem z pohledu rizikovosti aktiv

Abstract

Abstract

The name of master´s thesis: Banking sector supervision in terms of risk assets

Name of Student: Bc. Pavel Raška

This thesis deals with the banking supervision in terms of risk assets. It is divided into four chapters, which contain characteristics of banking, banking supervision, the importance of capital adequacy and de lege ferenda.

The aim is the definition and understanding of the system of banking regulation and supervision. Partial objectives of the thesis are an analysis of capital requirements as part of the banking sector, implementation of Basel recommendations to the EU and the Czech legislation, and finally outline the desired banking supervision.

The first two parts include the basic characteristic of banks, the banking sector and its regulation and supervision. There are explained activities of banks, banking structure and supervision in the Czech Republic and in the European Union. The objectives, principles and components of banking supervision are described at the end.

Currently valid Basel II is analyzed in the third part, including its implementation into EU and Czech legislation. Basel II consists of three pillars: capital requirements, supervisory process and market discipline. The last chapter includes the possible future development of banking supervision in the form of higher capital requirements, banking union in the EU area and financial transactions tax.