Risk Management, Suatu Kebutuhan bagi Pengelolaan Perbankan yang Sehat  

Oleh:

Sukarman, Widigdo

Jenis: Article from Journal - ilmiah nasional
Dalam koleksi: Jurnal Manajemen vol. 3 no. 1 (Apr. 2007), page 55-61.
Topik: risk management; financial and other risks; Bassle Concordat land II; risk¬based capital; CAMEL; agency problem; bank rush; bank run.

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: MM79 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

Risk management becoming mnore popular especially in banking and non-bank financial imidustry, after banking crises happened in 1970s and 1980s. Where the industry is very vulnerable to external shocks amid sensitive to rumors -whether it is true or not-, sufficient capital is needed to prevent any potential bank rush, which can develop into nation-wide bank run. With Bassle Concordan I, capital adequacy is required at 8% of bank’s risk-weighted assets, where only credit risk was used in weighting. Fast development in bamiking business, which also brought unintended consequences such as regional banking crises, requires more attentions toward better prudential regulations. Risk assesment was done not only in credit area, but widened Into other area ‘s risk as well, such as humnan resource and technology. Bassle Concordan II is an improvement of the previous one, giving more attention on bank’s internal procedure to manage It’s risk. This paper provides the background and the evolution of risk management in banking industry.

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