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Authors
Advisor(s)
Abstract(s)
Face à criação da European Banking Authority no final de 2014 e as alterações a nível regulatório e de supervisão, o aumento das exigências a nível prudencial e comportamental coloca a questão se as mesmas não poderão condicionar a gestão eficiente de um banco. Na revisão da literatura contextualizou-se o período temporal em que as diferentes entidades, mecanismos e modelos de regulação e supervisão surgiram, com recurso a textos legais e alguns artigos de índole científica. Sendo este tema extremamente recente, não existem muitos artigos ou estudos científicos robustos, sendo esta investigação, acima de tudo, uma
análise exploratória. Por tal motivo utilizou-se uma abordagem de entrevistas semiabertas a uma amostra de conveniência de personalidades da banca, com know-how publicamente reconhecido e experiencia que puderam partilhar e validar posteriormente. Foram analisados os dados do setor bancário português no exercício de 2014, os quais relevam, especialmente, o aumento do custo do risco. Como conclusão, a resposta à questão de investigação parece ser afirmativa e unânime: existe excesso de regulação que condiciona uma gestão bancária eficiente. Contudo, para além das eventuais discussões sobre como o
regulador poderá corrigir, sem ferir a qualidade da supervisão, existe também um tema relacionado que merece ser destacado: a vigilância e aferição da idoneidade e ética dos membros dos órgãos de decisão são fundamentais no setor bancário.
Given to the creation of the European Banking Authority in late 2014 and the amendments to regulatory and supervisory, the increase of the level of prudential and behavioral requirements raises the question whether they may condition the efficient management of a bank. In the review of literature it was contextualized the time period in which the different entities, mechanisms and regulatory and supervisory models have emerged, using legal texts and some scientific nature articles. Being this a very new theme, there aren´t many articles or robust scientific studies, making this research, above all, an exploratory analysis. For this reason we used an approach of semi-open interviews with a convenience panel of personalities sample, with publicly recognized know how and experience they were able to share and validate later. Portuguese banking sector data were analyzed in the year 2014, whose conclusions fall under especially about the increased risk of the cost. In conclusion, the answer to the research question seems to be affirmative and unanimous: there is overregulation that conditions an efficient bank management. However, in addition to any discussions about how the regulator can correct without hurting the quality of supervision, there’s also a connected topic that deserves to be highlighted: monitoring and measuring the competence and ethics of members of the governing organs are critical in the banking sector.
Given to the creation of the European Banking Authority in late 2014 and the amendments to regulatory and supervisory, the increase of the level of prudential and behavioral requirements raises the question whether they may condition the efficient management of a bank. In the review of literature it was contextualized the time period in which the different entities, mechanisms and regulatory and supervisory models have emerged, using legal texts and some scientific nature articles. Being this a very new theme, there aren´t many articles or robust scientific studies, making this research, above all, an exploratory analysis. For this reason we used an approach of semi-open interviews with a convenience panel of personalities sample, with publicly recognized know how and experience they were able to share and validate later. Portuguese banking sector data were analyzed in the year 2014, whose conclusions fall under especially about the increased risk of the cost. In conclusion, the answer to the research question seems to be affirmative and unanimous: there is overregulation that conditions an efficient bank management. However, in addition to any discussions about how the regulator can correct without hurting the quality of supervision, there’s also a connected topic that deserves to be highlighted: monitoring and measuring the competence and ethics of members of the governing organs are critical in the banking sector.
Description
Mestrado em Contabilidade e Gestão das Instituições Financeiras
Keywords
Supervisão Regulação Eficiência Sector bancário Rendibilidade Subprime Supervision Regulation Efficiency, Banking Profitability
Citation
Pica, C. A. (2016). Regulação e supervisão: alavanca ou travão à excelência do desempenho nos bancos? (Dissertação de mestrado não publicada). Instituto Politécnico de Lisboa, Instituto Superior de Contabilidade e Administração de Lisboa. Disponível em http://hdl.handle.net/10400.21/16195