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Theoretical and Applied Economics
No. 3 / 2020 (624), Autumn

The main theoretical aspects regarding the capital adequacy models

Bucharest University of Economic Studies, Romania
Bucharest University of Economic Studies, Romania
Ștefan Gabriel DUMBRAVĂ
Bucharest University of Economic Studies, Romania

Abstract. The credit institutions shall apply the measurement approach to a lesser extent to determine capital adequacy. The Basel Accords pay attention to this very aspect of capital sizing in order to be able to finance economic activities, but especially to reduce the effect of the risks caused by capital inadequacy. This study can be performed using statistical-econometric models, based on which to estimate the establishment of the necessary capital. If capital is not adequate (brought to the size of market demand), a number of risks arise that disrupt credit-based financing. Although many credit institutions have chosen the simplest method for determining the capital requirement for operational risk, efforts must be made to use the “standard approach”, thus ensuring the premises for the transition to the “advanced approach”, considered the effective form of operational risk monitoring.

Keywords: credit institutions, capital, market, risk, standard approach, advanced approach, statisticaleconometric models and methods.

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