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Periodical article Periodical article Leiden University catalogue Leiden University catalogue WorldCat catalogue WorldCat
Title:Capital controls and the lending behaviour of South African banks: preliminary findings on the expected impact of Basel II
Authors:Cumming, Seth
Nel, HugoISNI
Year:2005
Periodical:South African Journal of Economics
Volume:73
Issue:4
Pages:641-656
Language:English
Geographic term:South Africa
Subjects:banking
credit
international agreements
External link:https://onlinelibrary.wiley.com/doi/10.1111/j.1813-6982.2005.00044.x/pdf
Abstract:Banking regulation has developed rapidly over the past few years. There is a growing realization that the regulatory environment must keep pace with globalization and with advances in the financial sector. The 1988 Basel Capital Accord was an attempt to align regulatory capital with the actual underlying risks that banks face, thereby improving the soundness of the banking sector. The New Basel Capital Accord, due for implementation in South Africa in 2007, refines this principle and remedies some of the flaws of the 1988 Accord. This paper considers whether such implementation would have an effect on lending patterns and credit expansion in South Africa. It examines the rationale for the 1988 Basel Accord and outlines the relevant features of the New Accord; reviews some of the criticisms directed towards the New Accord, concentrating on the speculation that its implementation will adversely affect bank credit expansion; proposes a method of research for assessing the effect of the New Accord in South Africa; analyses the trends in South African banking and considers how the New Accord may affect bank behaviour. Bibliogr., sum. [Journal abstract]
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