巴塞尔协议(英语:Basel Accords),全名是资本充足协定(Capital Accord)[a],是巴塞尔银行监理委员会成员,为了维持资本市场稳定、减少国际银行间的不公平竞争、降低银行系统信用风险和市场风险,推出的资本充足比率要求。在1988年首次订立,并于2003年作出了第二次的修订。
Die Basler Vereinbarungen beziehen sich auf die vom Basler Ausschuss für Bankenaufsicht (BCBS) herausgegebenen Vereinbarungen zur Bankenaufsicht (Empfehlungen zur Bankenregulierung).
The Basel Accords[a] refer to the banking supervision accords (recommendations on banking regulations) issued by the Basel Committee on Banking Supervision (BCBS).[1]
Basel I was developed through deliberations among central bankers from major countries. In 1988, the Basel Committee published a set of minimum capital requirements for banks. This is also known as the 1988 Basel Accord, and was enforced by law in the Group of Ten (G-10) countries in 1992. A new set of rules known as Basel II was developed and published in 2004 to supersede the Basel I accords. Basel III was a set of enhancements to in response to the financial crisis of 2007–2008. It does not supersede either Basel I or II but focuses on reforms to the Basel II framework to address specific issues, including related to the risk of a bank run.
The Basel Accords have been integrated into the consolidated Basel Framework, which comprises all of the current and forthcoming standards of the Basel Committee on Banking Supervision.