Banking Supervisory Regulation; Comparative Study of the Bankruptcy of Chinese and Congolese Commercial Banks Due to Non-Compliance with Prudential Rules: Causes, Consequences and Suggestions
| Autor: | Malula Kaya Guy Roger |
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| Rok vydání: | 2021 |
| Předmět: | |
| DOI: | 10.5281/zenodo.4705407 |
| Popis: | Recent developments in banking systems pose challenges for both banks and supervisory authorities. Bank control is carried out in a traditional way in the form of legal condition and management ratio. Most rules limit risk in a simple and direct way. Any credit institution is required to have an internal risk control system in place. The purpose of this system is to verify compliance with procedures within the rules in force, to verify compliance with the limits of risks, to ensure the quality of accounting and financial information. Prudential rules are intended to ensure minimum security while harmonizing competition rules. This is the set of rules gradually introduced by the bale agreement and retraced by the national supervisory authorities. In the context of this article we examined the management of prudential rules by the supervisory and regulatory authorities of the Chinese and Congolese banking sector; we highlighted these prudential rules by doing a comparative study compared to Chinese and Congolese commercial banks that went bankrupt due to non-compliance with prudential rules. We have demonstrated the causes of bankruptcy; the consequences of bankruptcy and we have proposed solutions to make bank risk management more efficient by scrupulously observing international and national legislation in China and Congo. |
| Databáze: | OpenAIRE |
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