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dc.contributor.authorAlonso, José
dc.contributor.authorAnguren Martín, Rebeca
dc.contributor.authorManzano, María Cruz
dc.contributor.authorMochón, Joaquín
dc.date.accessioned2024-02-28T09:31:55Z
dc.date.available2024-02-28T09:31:55Z
dc.date.issued2023-12-04
dc.identifier.issnISSN: 2605-0897 (electronic edition)
dc.identifier.urihttps://repositorio.bde.es/handle/123456789/36154
dc.descriptionArtículo de revista
dc.description.abstractThe events of 2023 have served as a reminder of how quickly banking crises can occur. This article analyses the roots of the problems which, ultimately, against a backdrop of uncertainty and rapid contagion effects, affected banks whose business models, governance and risk management presented significant weaknesses. The article also reviews the main implications for the banking sector and authorities worldwide. These events are a fresh reminder that the banking business must be based on business models that are sustainable over time and on appropriate risk management. In addition, the events again highlight the importance of supervisory activity having available the tools needed to guarantee an early and effective response. Lastly, although the current regulations have helped to check the systemic reach of crises, thanks to the increased resilience of the banking sector, reinforcing again the need to implement the Basel III framework, there are certain areas where analysis of the operation of the prudential regulatory framework should continue.
dc.format.extent25 p.
dc.language.isoen
dc.publisherBanco de España
dc.relation.ispartofFinancial Stability Review / Banco de España, 45 (Autumn 2023) p. 23-47
dc.relation.hasversionVersión en español 123456789/34854
dc.rightsReconocimiento-NoComercial-CompartirIgual 4.0 Internacional (CC BY-NC-SA 4.0)
dc.rightsIn Copyright - Non Commercial Use Permitted
dc.rights.urihttps://creativecommons.org/licenses/by-nc-sa/4.0/deed.es_ES
dc.rights.urihttp://rightsstatements.org/vocab/InC-NC/1.0/
dc.subjectBanking crises
dc.subjectContagion
dc.subjectRisk management
dc.subjectLliquidity risk
dc.subjectPrudential regulation
dc.subjectSolvency
dc.subjectSupervision
dc.titleThe 2023 banking crises: the causes and the role played by bank management, supervisors and regulators
dc.typeArtículo
dc.identifier.bdebib000475408
dc.identifier.bdepubFIER-2023-45-2
dc.publisher.placeMadrid
dc.subject.bdeRegulación y supervisión de instituciones financieras
dc.subject.bdeRiesgos y liquidez
dc.subject.bdeSistemas bancarios y actividad crediticia
dc.publisher.bdeMadrid : Banco de España, 2023
dc.identifier.doihttps://doi.org/10.53479/36154
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