The Basel II Capital Accord is in danger of becoming a sad case of banking discord. Drawn up by the Basel Committee on Banking Supervision to replace Basel I, the intention of the accord is to encourage internationally active banks to align their capital more closely to the risks they face. Banks and banking supervisors agree that a new capital adequacy agreement is necessary. The accord was published by the Basel Committee in 2004 and updated last November. Subject to possible fine-tuning, it should start coming into effect on January 1, 2007. The problem is that this supra-national agreement gives so much latitude to individual nations that each will implement it differently.
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机译：《巴塞尔协议二》（Basel II Capital Accord）有可能成为令人沮丧的银行业不和谐案例。该协议由巴塞尔银行监督委员会起草，以取代《巴塞尔协议I》。该协议的目的是鼓励国际上活跃的银行更紧密地调整其资本，使其面对所面临的风险。银行和银行监管者同意，新的资本充足率协议是必要的。该协议由巴塞尔委员会于2004年发布，并于去年11月进行了更新。该协议可能会进行微调，并应于2007年1月1日开始生效。问题在于，该超国家协议给各个国家带来了很大的自由度，因此每个国家将以不同的方式实施该协议。
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