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The discussion about risk management in the banking system, we should to understand that the goal of banks is to take over the risk and the goal of surveillance is not to eliminate or reduce takes over the risk. Instead, the goal of surveillance is to participate and lead the risk management process. The agreements of Basel have more influence, this agreements are often very detailed and technically easily accessible by policy makers or researchers interested.This article to fill this gap try to detail the origin, regulation, implementation, reviews and results of Basel I and Basel II as well as the transition to Basel III.The main questions of this paper are: (1) What were the reasons for international cooperation for effective supervision, so why was created Basel I? (2) Where are the problems of Basel I and why we passed to Basel II? (3) The transition to Basel III. Does Basel III justify high costs of implementation of this agreement? DOI: 10.5901/ajis.2015.v4n2s2p236

The Management of Credit Risk in the Banking System during a Period of 5 Years (2009-2014)