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Obvladovanje tveganj pri »peer to peer« posojilih
Andrej Blagotinšek, 2017, magistrsko delo

Opis: Nove digitalne tehnologije botrujejo procesu preoblikovanja obstoječih vrednostih verig finančnih produktov oz. storitev. »P2P« posojila so nov in inovativen način tako investiranja presežkov finančnih sredstev kot tudi prejemanja finančnega kapitala. Število tovrstnih posojil konstantno raste, vendar posojilodajalci niso profesionalni investitorji. Posojilodajalci prevzemajo veliko tveganje, saj so »P2P« posojila izdana brez zavarovanja. V ta namen »P2P« platforme izdajajo historične podatke o posojilojemalcih. V delu se osredotočamo na identifikacijo tveganj, ki so prisotna pri tovrstnem investiranju in na napovedovanje možnosti neplačil posojil. Empirična študija analizira podatke pridobljene iz platforme Bondora (N=1823) od leta 2009 do 2015. Opravili smo statistično analizo spremenljivk. Razvili smo Logit model za napovedovanje neplačil. Kakovost modela smo preverjali z ROC krivuljo, optimizacijo modela pa na osnovi uravnoteženja klasifikacijske natančnosti, kjer smo dololčili optimalno presečno vrednost. Rezultati so pokazali, da kreditni model za napovedovanje neplačil zmanjšuje verjetnost finančne izgube pri »P2P« investiranju.
Ključne besede: kreditno tveganje, verjetnost neplačila, »P2P« posojila, LOGIT model, obvladovanje tveganj, C25 Discrete Regression and Qualitative Choice Models, G21 Banks, G17, Financial Forecasting and Simulation
Objavljeno: 27.10.2017; Ogledov: 630; Prenosov: 149
.pdf Celotno besedilo (1,56 MB)

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Are cooperative banks better equipped to weather financial crisis than their commercial counterparts?
Mitja Stefancic, 2016, izvirni znanstveni članek

Opis: Background and Purpose: The aim of this paper is to empirically investigate the performance of different types of Italian banks before and during the recent credit crisis with an emphasis on the behaviour of cooperative banks. It is well established in theory that cooperative banks follow more conservative business strategies and care more for stakeholders in comparison to commercial banks. On this background, the paper tries to show the empirical effects of those characteristics on the cooperative bank’s performance during financial distress compared to commercial banks. In fact, the paper can prove that Italian cooperative banks were less exposed to the shocks of the crisis and showed a better performance. Methodology: In order to assess whether cooperative banks performed differently at all from commercial banks during the 2005-2012 period, return on average assets (ROAA), cost efficiency and loan quality have been investigated by means of a sample of 594 Italian banks, pooled OLS and (when possible) a fixed effects estimator. Results: Overall, Italian cooperative banks performed better than other Italian banks during the financial crisis. The quality of loans deteriorated less in these banks than in others, while no significant differences have been observed in terms of ROAA and cost efficiency between these and other banks. Conclusion: My paper provides empirical evidence for a well established theoretically derived hypothesis: Italian cooperative banks operate differently than standard commercial banks which is especially noticeable during times of crisis. The fact empirically demonstrated that different banking models have shown different reactions to the financial crisis and economic downturn has important policy implications. Due to both characteristics of cooperative banks and severe limitations in the financial policies by the Italian government during the credit crisis an ironical pattern has emerged: While Italian cooperative banks were less exposed to the shocks of the crisis, they would have been less able to adjust to them since the financial rescue program was designed primarily for commercial banks.
Ključne besede: cooperative banks, bank performance, bank efficiency, bank soundness, credit crisis
Objavljeno: 28.11.2017; Ogledov: 409; Prenosov: 42
.pdf Celotno besedilo (465,78 KB)
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6.
Nationality diversity of bank boards
Miroslav Nedelchev, 2018, izvirni znanstveni članek

Opis: The aim of this paper is to carry out a comparative study for nationality diversity in bank boards. The study covers practices of board diversity of nine commercial banks. The data are compared for subsidiary banks in Bulgaria and their parent banks from the home country. The study defines a high degree of nationality diversity in subsidiary banks. The Bulgarian banks have a higher number of foreign members on boards compared to their parent banks. The good practices on board diversity in Bulgarian banks are a consequence of their subordination in European financial conglomerates and are aimed to reduce agent conflicts.
Ključne besede: corporate governance, subsidiary banks, Bulgaria, comparative study
Objavljeno: 03.05.2018; Ogledov: 311; Prenosov: 141
.pdf Celotno besedilo (718,12 KB)
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