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Modernizing Bank Regulation in Support of Financial Deepening

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Author Info

  • Torsten Wezel
  • Mario Mansilla
  • Gustavo Adler

Abstract

This paper studies how Uruguay''s regulatory framework was gradually strengthened to address shortcomings identified during the 2002-03 crisis, to align with international standards and, more recently, to deal with cyclical pressures resulting in an acceleration of bank lending. In particular, regulatory reforms pertaining to loan classification and provisioning as well as liquidity requirements are reviewed and evaluated against best practices. The paper concludes that prudential regulation in Uruguay now generally conforms to high standards while also embracing innovative elements such as dynamic provisioning.

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Bibliographic Info

Paper provided by International Monetary Fund in its series IMF Working Papers with number 09/199.

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Length: 28
Date of creation: 01 Sep 2009
Date of revision:
Handle: RePEc:imf:imfwpa:09/199

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Related research

Keywords: Credit risk; Bank reforms; Bank supervision; Banking sector; Basel Core Principles; Credit expansion; Financial soundness indicators; Liquidity management; Risk management; credit; loan classification; banking; reserve requirements; prudential regulation; banking supervision; bank lending; bank liquidity; banking system; collateral; segmentation; bank for international settlements; bank supervisors; banking systems; loan loss provision; liquidity ratio; bank credit; bank funding; capital requirement; reserve requirement; payment systems; banking crisis; cash flows; banking law; banks ? balance sheets; bank loan; monetary authority; basel accord; return on assets; bank clients; loan review; capital adequacy; bank distress; clients; prices; stress testing; bank policy; payments; bank regulations; bank of england; international accounting standard; banks ? balance sheet; bank profits; bank regulation; banks ? loan; accounting standard;

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References

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  1. Koh, Winston T.H. & Mariano, Roberto S. & Pavlov, Andrey & Phang, Sock Yong & Tan, Augustine H.H. & Wachter, Susan M., 2005. "Bank lending and real estate in Asia: market optimism and asset bubbles," Journal of Asian Economics, Elsevier, vol. 15(6), pages 1103-1118, January.
  2. Joe Crowley, 2008. "Credit Growth in the Middle East, North Africa, and Central Asia Region," IMF Working Papers 08/184, International Monetary Fund.
  3. Adolfo Barajas & Ralph Chami & Thomas Cosimano, 2004. "Did the Basel Accord Cause a Credit Slowdown in Latin America?," JOURNAL OF LACEA ECONOMIA, LACEA - LATIN AMERICAN AND CARIBBEAN ECONOMIC ASSOCIATION.
  4. Antonio Garcia Pascual & Jorge Cayazzo & Socorro Heysen & Eva Gutierrez, 2006. "Toward An Effective Supervision of Partially Dollarized Banking Systems," IMF Working Papers 06/32, International Monetary Fund.
  5. International Monetary Fund, 2000. "Loan Review, Provisioning, and Macroeconomic Linkages," IMF Working Papers 00/195, International Monetary Fund.
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