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Title:OBRESTNA MERA KOT DEJAVNIK KREDITNE DEJAVNOSTI BANK
Authors:ID Ljami, Edina (Author)
ID Taškar Beloglavec, Sabina (Mentor) More about this mentor... New window
Files:.pdf VS_Ljami_Edina_2016.pdf (736,75 KB)
MD5: 67C98D33E55EB386919A04D403F5C970
 
Language:Slovenian
Work type:Diploma project paper
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:V diplomskem delu smo prikazali delovanje bančnega sistema, opisali obrestne mere in njihov pomen, ter jih povezali s kreditnimi aktivnostmi bank. Naloga vsebuje tudi predstavitev Evropske centralne banke in njene monetarne politike, ter opis njenih ciljev, ki zajemajo predvsem zagotavljanje stabilnosti cen. Ohranjanje stabilnosti cen je namreč glavni cilj ECB, saj je to pomemben dejavnik za stabilnost gospodarstva. Evropska centralna banka uporablja različne instrumente, da bi zagotovila stabilnost cen. Stabilnost cen lahko prikažemo z uporabo harmoniziranega indeksa cen življenjskih potrebščin. Ta indeks nam pokaže, kako se cene z leti spreminjajo in kako določeni dejavniki vplivajo na nakupovalno košarico. V zadnjem delu diplomskega dela, je prikazano, kako se je višina izdanih kreditov nebančnemu sektorju postopoma spreminjala med leti 2009 do 2015 in kako so se med tem gibale obrestne mere. Prav tako smo primerjali, kako je Evropska centrala banka vplivala s svojo politiko določanja ključne obrestne mere na obrestne mere poslovnih bank. Ključna obrestna mera nam pove, koliko oziroma pri kateri obrestni meri si poslovne banke lahko izposodijo denar pri Evropski centralni banki. Namen nižanja obrestne mere je, da se ugodni pogoji financiranja bank prenesejo na končne potrošnike oz. kreditojemalce. Ugotovila sem, da so v obdobju analize, obrestne mere poslovnih bank naraščale, ko je ECB zviševala ključno obrestno mero. Kasneje, ko je ECB začela zniževati obrestno mero iz takratnih 1,5% proti 0,05%, pa so obrestne mere poslovnih bank sprva ostale stabilne, zniževati so se začele šele kasneje, ko je ECB znižala ključno obrestno mero pod 0,5%. Torej so se dejanski učinki zniževanja ključne obrestne mere odrazili na obrestnih merah poslovnih bank šele z zamikom. Kljub nižanju obrestnih mer pa je povpraševanje po kreditih upadalo. Na začetku analiziranega obdobja je bilo še zaznati rahlo rast izdanih kreditov, obseg pa je kasneje začel hitro upadati in v najnižji točki upadel tudi več kot 20%. Padec obsega kreditov se je začel zmanjševati šele proti koncu leta 2014, ko je ECB svoje obrestne mere že spustila na minimum pri 0,05%. Kljub upočasnjevanju padca obsega izdanih kreditov, je medletna stopnja rasti ob koncu opazovanega obdobja bila še vedno negativna in se je gibala okoli -10%.
Keywords:monetarna politika, transmisijski mehanizem, krediti, obrestna mera, kreditna aktivnost, ECB, inflacija, HICP
Place of publishing:Maribor
Publisher:[E. Ljami]
Year of publishing:2016
PID:20.500.12556/DKUM-62809 New window
UDC:336.77
COBISS.SI-ID:12632860 New window
NUK URN:URN:SI:UM:DK:QGTTMXTP
Publication date in DKUM:02.12.2016
Views:1342
Downloads:126
Metadata:XML DC-XML DC-RDF
Categories:EPF
:
LJAMI, Edina, 2016, OBRESTNA MERA KOT DEJAVNIK KREDITNE DEJAVNOSTI BANK [online]. Bachelor’s thesis. Maribor : E. Ljami. [Accessed 12 April 2025]. Retrieved from: https://dk.um.si/IzpisGradiva.php?lang=eng&id=62809
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Secondary language

Language:English
Title:INTEREST RATE AS A FACTOR IN THE LENDING ACTIVITIES OF BANKS
Abstract:In the thesis, we have described the banking system, interest rates and their purpose, and showed how all of these are linked to the credit activities of the banks. We have also included a presentation of European Central Bank and its monetary policy and described price stability and inflation, which is one of the main goals of ECB. Price stability is an important factor for maintaining the stability of economy. Price stability can be explained by using a harmonized index of consumer prices. This index shows how the prices changed during the years and how different factors influenced the goods basket. In the last part, we have showed how the value of the given credits to non-banking sector has changed from 2009 until 2015 and how the interest rates were moving at the time. I have also showed how the European Central Bank was influencing the interest rates of banks with its key interest rate. This key interest rate tells us at what interest rate can the banks borrow funds from the central bank. The purpose of lowering the key interest rates is that the impact would transfer to the commercial bank interest rates, which would mean cheaper borrowing costs for businesses and other borrowers. I have concluded that during the period of the analysis, the interest rates of commercial banks were rising in relation to rising key interest rates from ECB. Later, when ECB started to lower it interest rate from the high of 1,5% to 0,05%, the interest rates from commercial banks only followed with delay. At first, they stayed almost unchanged. After the ECB lowered the key interest rate under 0,5%, the commercial banks started lowering their interest rates too. Despite the lowering of interest rates, the demand for borrowing was falling. At the beginning of the analysed period, there was a slight growth of demand for credits, but soon, the demand was falling rapidly and on the lowest point, it was down over 20% year on year. The decline only started to get slower at the end of 2014 when ECB lowered their interest rates to the minimum point of 0,05%. Despite the slowing of the declining demand, the year on year rate of borrowing demand was still negative and moving around the area of -10%.
Keywords:monetary policy, transmission mechanism, credits, interest rate, credit activity, ECB, borrowing, inflation, HICP


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