... dann kommt Moodys...
www.reuters.com/article/2011/05/24/...odys-idUSWNA930920110524
www.reuters.com/article/2011/05/24/...odys-idUSWNA930920110524
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de.advfn.com/...t&s=LSE%3ABKIR&p=0&t=36&vol=1" style="max-width:560px" />
Die ANALysten sollten es damit mal versuchen 
Und für den Unsinn die die verzapfen müsste es mal gleich..... 
The European Union may delay a decision on whether to adopt two parts of global banking rules designed to limit lenders’ debt and force them to hold long-term funds.
The European Commission said it’s too soon for the EU to commit to binding measures because their likely effects haven’t been fully examined, according to draft proposals obtained by Bloomberg News. The Basel Committee on Banking Supervision included the so-called leverage ratio and net stable funding ratio in international standards agreed on last year to mitigate the effects of future banking crises.
“A leverage ratio is a new regulatory and supervisory tool for the EU,” according to the plans drawn up by the commission. “Before deciding on whether or not it should be made into a binding minimum requirement, a thorough review of the impacts of its introduction is necessary.”
EU nations have clashed over the severity of the new requirements, known as Basel III, which were endorsed by the Group of 20 last year. The accord includes limits on leverage to prevent banks building up too much debt, and minimum liquidity rules to ensure they can survive a credit crunch. Nout Wellink, chairman of the Basel committee, said today that leverage and liquidity ratios are “critical additions” to the rulebook.
The benefits of Basel III, which also seek to bolster banks’ capital, “will fall short if the framework is not implemented fully and in a consistent manner,” Wellink said in prepared remarks for a speech in St. Petersburg, Russia.
Basel’s proposed leverage ratio would require a bank to have Tier-1 capital equivalent to 3 percent of its assets, preventing it from accumulating assets worth more than 33 times its capital level.
It’s “one hell of a blunt tool,” Bob Penn, financial regulation partner at law firm Allen & Overy LLP in London, said in a phone interview, as it doesn’t recognize the differences in the risk level between different banking activities.
The NSFR aims to limit the mismatch between the duration of loans and deposits, to ensure that banks don’t face cash-flow shortages.
The commission falls short of promising to seek a mandatory adoption of the NSFR, according to the draft proposals for implementing the Basel rules in the EU. Instead, it says it will “consider proposing” such a requirement “after an observation and review period.”
That decision is a “recognition as far as the net stable funding ratio is concerned that Basel was flying blind,” said Penn.
Chantal Hughes, a spokeswoman for the Brussels-based commission, declined to immediately comment.
Lenders have warned that the ratios risk raising borrowing costs for businesses and consumers, and hampering global economic recovery.
Under the terms of the Basel accord, both ratios are scheduled to become binding at the start of 2018 after regulators in the committee decide on any final adjustments.
Regardless of whether the ratios are eventually made binding, lenders would still be expected to report to their national regulators on how they measure up against the benchmarks, without being legally obliged to meet them.
While the Basel agreement is designed for internationally active lenders, the EU intends to apply the rules to “all kinds of banks including small local savings banks and cooperatives and also investment firms,” Monika Mars, a PricewaterhouseCoopers AG director, said in a phone interview.
“Defining one ratio that works across all these different business models is virtually impossible and could create unintended consequences,” Mars said. “Certain business models could be disadvantaged.”
EU governments and lawmakers at the European Parliament need to agree on the final version of the commission proposals on how to implement the Basel rules before they can take effect in the region.
The G-20 sought to bolster bank’s reserves to prevent a repeat of turmoil in financial markets that followed the collapse of Lehman Brothers Holdings Inc. in 2008.
The Basel III agreement more than doubles the amount of high-quality capital that banks must hold to cushion against possible losses.
Basel III and an earlier increase in capital requirements set in 2009 will require EU-based banks to raise about 460 billion euros ($648 billion) in “own funds” to comply with the requirements, the commission document says.
Of this total, 84 billion euros will need to be raised by 2015. The figures reflect “a number of studies prepared by both public and private sectors,” the commission said.
To contact the reporters on this story: Jim Brunsden in Brussels at jbrunsden@bloomberg.net;
To contact the editor responsible for this story: Anthony Aarons at aaarons@bloomberg.net;
http://www.bloomberg.com/news/2011-05-23/...ity-rules.html?cmpid=yhoo
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