Guvernanţa corporativă şi managementul riscului în instituţiile de credit

Dr. Sebastian BODU, MBA

formator, Institutul Notarial Român

ABSTRACT

Although it is an integral part of corporate governance, in general, in the case of credit institutions, risk management acquires autonomous values. Banks are prone to risk by their very business model. When you do business with other people’s money, the risk you expose your business to is much greater than when you do business with your own money. And banks do business predominantly with other people’s money, more precisely, with depositors’ money. For an efficient and prudent management, a series of regulations were dedicated to credit institutions through the Basel III Agreement. Other regulations are appropriated through governance codes. An ever-current discussion is to what extent credit institutions can be left to self-regulate, respectively to what extent states must intervene with regulatory legal norms. Prudential supervision of the banks,...