NEW YORK — International regulators on Tuesday proposed revisions to the Basel Capital Accord that would let banks reduce capital charges for individual loans by as much as 85% through credit risk mitigation techniques such as holding collateral or obtaining loan guarantees.

But the reduction could be offset at least partially by a new charge based on an institution’s operational risk. Regulators estimate that such a charge could account for as much as 20% of bank capital requirements when the rule takes effect in 2004.

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