BASEL COMMITTEE

 BASEL COMMITTEE

Yah ek international committee h jisse 1980 me establish kiya gaya tha.
Basel Switzerland me ek place hai,jaha 28 countries k central bank k governors ki meeting hui thi.
Ye committee bank me reform se related hai.
BASEL-1 ki reposrt 1988 me aayi thi aur usme kaha gaya tha ki sabhi banks ko 8-12% CAR maintain karna hoga.,lekin INDIA me banks ne BASEL-1 ko follow karne se mana kar diya.
Iske liye 1991 me NARSIMHAN COMMITTEE ko form kiya gya,jisne ye kaha ki jo bank BASEL-1 ko follow nahi krega,use RBI dwara di jaane wali sufidhaye band kar di jaengi.
(4sep1993-ko new bank of india ko issi karan pnb me merge kar diya gya)
BASEL-2 ki report 2004 me aayi,isme 3 recommendation tho,jisse BASEL-2 k 3 PILLARS kaha jaata hai.
1.CAR==CAPITAL/RISK
2.SUPERVISORY REVIEW
Bank me time-time par inspection honge jo 2 type k honge.
a.INTERNAL isse bank khud conduct karata hai,isse ICAAP(Internal capital adequacy assessment process) kaha jaata hai.
b.EXTERNALisse RBI dwara conduct karaya jaata hai,isse SREP(supervisory review and evolutionary process) kaha jaata hai.
3.MARKET DISCIPLINE
3 types>>
a.CREDIT RISK
bank apne aise kisi customer ko loan nahi provide karati hai,jo use rok le,use credit risk kehte hain.
b.OPERATIONAL RISK
Mismanagement k karan bank k business me kami hoti hai to isse operational risk kaha jaata hai.
c.MARKET RISK
Bank dwara kharide(buy) gaye gold,foreign currency,equity share me koi risk hota hai to use market risk kaha jaata hai
*- in 2010 basel 3 guidelinesis released. These guidelines are introduced in response to financial crisis of 2008.India deadline to migrate to basel 3 is 31 march 2019.