(Special Report - Amazon)
The global financial crisis in late 2008 was followed by several measures taken by various countries to prepare their economies to face such crises in the future, to serve as a lifeline from a recession or Depression casts a shadow over the solvency of governments and peoples.
Since the history of the recent global financial crisis, central banks and financial supervision agencies in various countries have obligated major banks to apply the fiscal pressure policy, after various banking committees have prepared stress tests Banker to the banks, which resulted in the failure of several banks to pass these tests.
The financial stress tests in banks aim to identify the banks ’ability to bear losses in the future, which can be exposed to as a result of some changes on the economic or political level, or Until the changing pattern of consumer behavior within a single society.
The importance of applying bank stress tests to banks is that they help to take appropriate and precautionary measures towards financial institutions that show the results of their poor conditions, whether these measures are in the form of support.
. Governmental, institutional, or even change the nature of the entity itself by making adjustments to the merger and acquisition patterns.
Financial observers believe that the application of procedures and standards of financial pressure in banks paid off as the banks became inflated with much greater capital than the size of the risks that can be exposed, especially on The level of loan portfolios dedicated to real estate financing.
Financial experts told Namazon that the real test for financial efficiency and the ratio of capital adequacy in banks is between two main parts, the first is related to the real estate market and it is the actual effect of credit movement. And lending within any economy. The second is based on levels of unemployment within the country, with which the features of government economic policy change.
Bankers explained that the financial stress tests, after more than 10 years have passed since they were applied, have become more or less typical and typical, indicating that the majority of banks around the world are passing these tests. With ease, which requires the development and modernization of financial pressure mechanisms to keep pace with the requirements of the economic situation ...
