Convergența la cerințele de adecvare a riscului bancar de lichiditate: oportunități vs constrângeri

Abstract

In the current context, the banking sector represents a point of stability for the country's economy and effective risk management is essential. Liquidity risk is one of the most important because its triggering has a productive and immediate effect and bank liquidity management is fundamental. The purpose of the study is to analyze liquidity risk and its influence on the banking sector in the context of adapting to the requirements of the Basel III Agreement and the consequences of the implementation requirements. Research methodology includes the application of several types of methods, such as: observation, comparison, grouping, analysis and synthesis of information. At the same time, deduction, graphic and tabular methods were used, which allowed a profound analysis of the subject. The research demonstrated that the implementation of the Basel Agreement involves both: constraints and opportunities. However, the opportunities are superior and obvious. The Basel III agreement provides stability and consolidation to the banking sector by implementing a modern and secure legislative framework. Higher liquidity requirements are intended to prevent systemic risk and give banks the ability to get over the crisis situations. DOI: https://doi.org/10.53486/sstc.v4.08. CZU: 336.71:330.131.7. JEL: D02, G21, G28, G32.