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Advisor(s)
Abstract(s)
A crise económico-financeira mundial de 2008 afetou gravemente o sistema financeiro, atingindo vários países da zona Euro. Face a esta crise, o estados membros da União Europeia sentiram a necessidade de reforçar a supervisão bancária. Assim, foi criado um mecanismo único de supervisão, com regras comuns para avaliar os bancos da zona Euro.
O Banco Central Europeu supervisiona os bancos de maior dimensão, e as autoridades de supervisão nacionais acompanham os bancos de menor dimensão, no entanto existe pequenas exceções. Em Portugal, a autoridade de supervisão bancária é o Banco de Portugal que tem como competências, a supervisão prudencial de todas as instituições de crédito e sociedades financeiras bem como a supervisão comportamental da banca. A supervisão comportamental tem como objetivo, garantir a transparência e o cumprimento das regras que regulam o setor. O objetivo do Banco de Portugal é a manutenção da
estabilidade dos preços e a promoção da estabilidade do sistema financeiro.
Através da análise dos Relatórios de Supervisão Comportamental de 2016 a 2019 do Banco de Portugal, conseguimos aferir que as entidades supervisionadas devem ser continuamente analisadas e avaliadas, para que as deteções de determinadas irregularidades sejam rapidamente direcionadas para a sua correção.
The world economic and financial crisis of 2008 severely affected the financial system, affecting several countries in the Eurozone. In the midst of this crisis, the member states of the European Union felt the need to strengthen banking supervision. Thus, a single supervisory mechanism was created, with common rules for evaluating Eurozone banks. The European Central Bank supervises the largest banks, and the national supervisory authorities accompany the smaller banks, however the are some exceptions. In Portugal the banking supervisory authority is Banco de Portugal, which is responsible for the prudential supervision of all credit institutions and financial companies as well as the banking behavioural supervision. Behavioural supervision aims to ensure transparency and compliance with the rules that regulate the sector. The Banco de Portugal objective is to maintain price stability and to promote the stability of the financial system. Through the analysis of Banco de Portugal's 2016 to 2019 Behavioural Supervision Reports, we were able to assess that the supervised entities must be continuously analysed and evaluated, so that detections of certain irregularities are quickly directed towards their correction.
The world economic and financial crisis of 2008 severely affected the financial system, affecting several countries in the Eurozone. In the midst of this crisis, the member states of the European Union felt the need to strengthen banking supervision. Thus, a single supervisory mechanism was created, with common rules for evaluating Eurozone banks. The European Central Bank supervises the largest banks, and the national supervisory authorities accompany the smaller banks, however the are some exceptions. In Portugal the banking supervisory authority is Banco de Portugal, which is responsible for the prudential supervision of all credit institutions and financial companies as well as the banking behavioural supervision. Behavioural supervision aims to ensure transparency and compliance with the rules that regulate the sector. The Banco de Portugal objective is to maintain price stability and to promote the stability of the financial system. Through the analysis of Banco de Portugal's 2016 to 2019 Behavioural Supervision Reports, we were able to assess that the supervised entities must be continuously analysed and evaluated, so that detections of certain irregularities are quickly directed towards their correction.
Description
Mestrado em Contabilidade e Gestão das Instituições Financeiras
Keywords
Crise económico-financeira Banco Central Europeu Supervisão Banco de Portugal Mecanismo único de supervisão Economic and financial crisis European Central Bank Supervision Single supervisory mechanism
Citation
Prazeres, F. (2021) A supervisão no setor bancário: contexto pós crise financeira (Dissertação de mestrado não publicada). Instituto Politécnico de Lisboa, Instituto Superior de Contabilidade e Administração de Lisboa. Disponível em http://hdl.handle.net/10400.21/15266