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Academics, practitioners, and regulators all recognise and agree that capital is required for banks to operate smoothly because capital provides protection. The critical question is how much, and what type of, capital a bank needs to hold so that it has adequate protection. In the simplest form, capital represents the portion of the bank’s l Naturally, regulators would hold the view that banks should hold more capital, so as to ensure that insolvency risk and the consequent system disruptions are minimised. On the other hand, banks would wish to hold the minimum level of capital that supplies adequate protection, since capital is an expensive form of funding, and it also dilutes earnings. There are 3 views on what a bank’s minimum capital requirement should be. ==Regulatory View== Regulatory capital is the minimum capital requirement as demanded by the regulators; it is the amount a bank must hold in order to operate. A regulator’s primary concern is that there is sufficient capital to buffer a bank against large losses so that deposits are not at risk, with the possibility of further disruption in the financial system being minimized. Regulatory capital could be seen as the minimum capital requirement in a “liquidation / runoff” view, whereby, if a bank has to be liquidated, whether all liabilities can be paid off. Regulatory capital is a standardised calculation for all banks, although, there would be differences to various regulatory regimes. The process by which it is calculated is also transparent, this allows meaningful comparisons between banks under Pillar 3 disclosures. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Minimum capital requirement」の詳細全文を読む スポンサード リンク
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