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Title:ZUNAJBILANČNE AKTIVNOSTI BANK IN FINANČNA KRIZA
Authors:Strnad, Nejc (Author)
Markovič Hribernik, Tanja (Mentor) More about this mentor... New window
Files:.pdf UN_Strnad_Nejc_2015.pdf (860,63 KB)
 
Language:Slovenian
Work type:Final seminar paper (mb14)
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Bančni sistem je neprestano podvržen spremembam, ki s seboj nosijo številna tveganja za celotni bančni sistem. Glavno vodilo teh sprememb so finančne inovacije. Zunaj bilančne aktivnosti bank povezujemo z nastankom modernega bančništva. Moderno bančništvo je nastalo kot posledica finančnih inovacij, ki so v zelo veliki meri spremenila dogajanje v globalnem bančnem sistemu. Zunaj bilančne aktivnosti bank je precej širok pojem, ki ima svoje določene značilnosti. Zanj je značilno, da se generirani denarni prilivi ali odlivi ne pojavijo na bilanci stanja banke in, da za njihovo uporabo ni potrebno držati dodatnega kapitala. Nadalje lahko rečemo, da so zunaj bilančne aktivnosti v bančni sistem prinesle številne spremembe oz. negotovosti, ki jih je potrebno preučiti in najti načine kako se zaščititi pred njihovimi negativnimi zunanjimi učinki. Za pravilno delovanje bančnega sistema je odgovoren bančni regulator, ki postavlja pravila in dosledno preverja njihovo implementacijo in upoštevanje le teh. V ta namen je bil leta 1974 ustanovljen Baselski odbor za bančni nadzor (ang. Basel Committee on Banking Supervision, BCBS). BCBS je do tega trenutka izdal tri formalnopravno nezavezujoče kapitalske sporazume, katerih cilj je zagotavljati stabilnost mednarodnega bančnega sistema. S problematiko zunaj bilančnih aktivnosti bank se podrobneje ukvarja tretji kapitalski sporazum z imenom Basel Ш, ki poskuša v po krizni bančni sistem ponovno uvesti neko stabilnost in zaupanje. Danes zelo pereče vprašanje je, ali so zunaj bilančne aktivnosti bank povzročile najaktualnejšo globalno finančno krizo? Odgovor na to vprašanje je poskušalo najti veliko finančnih in tudi nefinančnih institucij. V tem besedilu bomo poskušali na to vprašanje odgovoriti s pomočjo raziskave, ki jo je opravil Nacionalni Inštitut Ekonomije in Socialnih Raziskav v Brunel-u. Njihove ugotovitve še ne predstavljajo dokončnega odgovora na prej zastavljeno vprašanje, so pa zagotovo korak v pravo smer.
Keywords:finančne inovacije, zunaj bilančne aktivnosti, BCBS, Basel Ш, globalna finančna kriza.
Year of publishing:2015
Publisher:[N. Strnad]
Source:Maribor
UDC:336.71
COBISS_ID:12122908 Link is opened in a new window
NUK URN:URN:SI:UM:DK:7IQ3GCLJ
Views:556
Downloads:66
Metadata:XML RDF-CHPDL DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:OFF BALANCE SHEET BANKING ACTIVITIES AND FINANCIAL CRISIS
Abstract:The banking system is constantly a subject to changes. This changes usually bring with them some uncertainties and risks to the entire banking system. The main cause of this changes are financial innovations. Off balance sheet activities and modern banking go hand in hand. The before already mentioned financial innovations where the main reason that modern banking even exists. Modern banking drastically changed the way that banks conduct their business. Off balance sheet activities include a wide number of different activities, which all have some common features. Off balance sheet activities do not generate a cash inflow or a cash outflow which can be seen on their balance sheet. Furthermore off balance sheet activities do not require banks to hold extra capital. For the banking system to function properly we need a bank regulator, which will set some certain rules and will make sure that this rules are obliged with. For this purpose the Basel Committee on Banking Supervision (BCBS) was established. BCBS began it's work in 1974 and has so far produced three capital adequacy agreements. We will focus on their last agreement called Basel Ш, which heavily tries to regulate off balance sheet activities. This regulation is surely needed in order to bring some stability and confidence in the banking system. Nowadays we are asking ourselves if off balance sheet activities were the reason for the latest global financial crisis. Many financial and non-financial institutes already tried to answer this question. This paper will also try to answer this question with some help from the National Economics and Social Studies Institute in Brunel. Thei conclusion do not give a definitive answer but are definitely a step in the right direction.
Keywords:financial innovations, off balance sheet activities, BCBS, Basel Ш, global financial crisis.


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