Makroekonomické dopady kapitálové přiměřenosti bank

Macroeconomic impacts of capital adequacy

Josef Jílek and Jiřina Jílková

Politická ekonomie, 1999, vol. 1999, issue 6

Abstract: The paper reviews capital requirements in some developed countries and in the Czech Republic. Capital requirements in the Czech Republic was introduced in 1994. Capital ratio of the group of foreign banks permanently exceeds 13 % while the group of large and small banks has problems. There is excessive volume of credits in the Czech banking sector. Many developing countries and emerging markets decided to follow inflationary solution of bad credits, but not Czech Republic. Due to the lowering of inflation (or even deflation) in the Czech Republic bad credits have not been solved yet. It seems that they will be transferred into some state agency. The reduction of bank credits seems necessary in the near future. In this sense credit crunch can be seen as useful for long-term prosperity of the Czech economy. Capital requirements introduced by the Czech National Bank support desirable credit crunch.

Keywords: capital requirements; capital adequacy; credit crunch; GDP; bank profitability; bad loans (search for similar items in EconPapers)
Date: 1999
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DOI: 10.18267/j.polek.84

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