Banking turmoil questions begin at board level, says Basels de Cos

By Huw Jones

休·琼斯

LONDON (Reuters) – Board members at banks have urgent questions to answer about basic risk management following recent turmoil, the head of a global banking standards committee said on Wednesday, but said regulators should not rush into remedial action.

伦敦（路透社）——全球银行业标准委员会负责人周三表示，在最近的动荡之后，银行董事会成员有一些关于基本风险管理的紧急问题需要回答，但表示监管机构不应仓促采取补救行动。

Pablo Hernandez de Cos, chair of the Basel Committee of banking regulators, said work has begun on what lessons could be learned from the collapse last month of Silicon Valley Bank and two other U.S. lenders, and the forced takeover of Credit Suisse by UBS, echoing other global regulators.

巴塞尔银行监管委员会主席 pablo hernandez de cos 表示，已经开始研究可以从上个月硅谷银行和其他两家美国银行的倒闭以及瑞银强制收购瑞士信贷中吸取哪些教训，呼应其他全球监管机构。

These events marked the first real stress test of banks since the global financial crisis of 2007-09, de Cos told an Institute of International Finance roundtable in Washington.

德科斯在华盛顿举行的国际金融协会圆桌会议上表示，这些事件标志着自 2007-09 年全球金融危机以来首次对银行进行真正的压力测试。

While it was unlikely a single culprit was to blame, he said the “whodunnit” task should start with bank boards.

虽然不太可能只怪罪于一个罪魁祸首，但他表示，“侦查”任务应该从银行董事会开始。

The first step is to ask why the boards of some banks fail to check on basic risk management and governance practices or respond to “excessive reliance” on limited funding sources or growing misconduct incidents, said de Cos, who is also governor of the Bank of Spain.

德科斯说，第一步是询问为什么一些银行的董事会未能检查基本的风险管理和治理实践，或者未能对“过度依赖”有限的资金来源或不断增加的不当行为事件做出回应。西班牙。

“A banks board, senior management and risk management function should be asking themselves questions in a timely fashion and taking credible measures to shore up resilience,” de Cos said.

“银行董事会、高级管理层和风险管理职能部门应该及时问自己问题，并采取可靠措施来增强弹性，”德科斯说。

De Cos also said supervisors should also ask tough questions and take “decisive action” to ensure safety and soundness of banks.

德科斯还表示，监管者还应该提出尖锐的问题并采取“果断行动”，以确保银行的安全和稳健。

Mark Carney, former governor of the Bank of England and former chair of the Financial Stability Board (FSB), the G20 watchdog that drove through post-global financial crisis reforms of banking rules, has called for a rethink of bank liquidity rules.

英格兰银行前行长兼金融稳定委员会 (fsb) 前主席马克卡尼呼吁重新考虑银行流动性规则。

Banks‘ holdings of liquidity have more than doubled since 2011 to 12.5 trillion euros ($13.66 trillion), helping to contain fallout from recent stresses, though stakeholders’ influence meant liquidity rules ended up being less conservative than originally drafted, de Cos said.

德科斯表示，自 2011 年以来，银行持有的流动性增加了一倍多，达到 12.5 万亿欧元（13.66 万亿美元），有助于遏制近期压力的影响，尽管利益相关者的影响意味着流动性规则最终没有最初起草的那么保守。

“So my first observation today is that we should be humble and open-minded at this stage when it comes to assessing recent developments and the implications for banks, regulators and supervisors,” de Cos.

“所以我今天的第一个观察是，在评估最近的发展以及对银行、监管机构和监督者的影响时，我们在现阶段应该保持谦逊和开放的态度，”de cos。

“We should not hastily jump to conclusions, nor should we close any doors. Nevertheless, once our stocktake is completed, remedial actions should be taken if deemed necessary.”

“我们不应该仓促下结论，也不应该关闭任何大门。尽管如此，一旦我们的盘点完成，如有必要，应采取补救措施。”

($1 = 0.9154 euros)

($1 = 0.9154 欧元)

(Reporting by Huw Jones; editing by Barbara Lewis)

（huw jones 报道；barbara lewis 编辑）