Importance of Banking Regulations and Risks Associated with Capital

Bank is a collector agency fund, which has the authority to accept deposits, credit memberikanmenyalurkan, and accept and issue checks. bank as an institution would have a risk attached to it (inherent risk), which will affect banking activity in particular, and the national economy u mumnya. according to the dictionary, the definition of risk is the possibility of bencanakerugian, can also be interpreted as the possibility of poor results. therefore, regulation is necessary of course, regulation is a regulation that bank failures bank activity can be minimized, regulations are also intended to protect customers and increase public confidence in the banking-related products (the agent of trust) with the risks that may arise. one noteworthy is the regulatory capital structure, capital structure is pursued kemampuancara banks to obtain funding, for example bonds, and investments, of course banks are not free to choose their capital structure, but is determined by the banking supervisory authority that sets minimum capital requirement of mini-banks ( define liquidity as banks and credit limit). said the bank has sufficient capital.