Regulativa banaka i bankarske krize
Regulations of banks and the banking crises
Author
Todorović, Violeta
Mentor
Vuksanović, EmilijaCommittee members
Dugalić, VeroljubKrstić, Borko
Metadata
Show full item recordAbstract
Krize banaka čine sastavni deo razvoja bankarskih sistema u savremenom
okruženju, koje se može okarakterisati kao kompleksno, dinamično, heterogeno,
neizvesno i nepredvidivo. Problematika upravljanja bankarskim krizama,
godinama unazad prisutna u stručnoj domaćoj i stranoj literaturi, aktuelizovana
je pojavom svetske finansijske krize. Nesporna uloga banaka u očuvanju
stabilnosti ukupnog privrednog sistema pretpostavlja, sasvim razumljivo,
uspostavljanje adekvatne kontrole nad bankarskim aktivnostima od strane
regulatornih institucija. Promene u globalnom konkurentnom okruženju
uslovljavaju i česte regulatorne reforme, koje prate razvoj međunarodno aktivnih
banaka i bankarskih holding kompanija. S tim u vezi, međunarodna konvergencija
standarda poslovanja banaka predstavlja neumitnu posledicu globalizacije
finansijskih tržišta.
U skladu sa predmetom i ciljem istraživanja, postavljenim hipotezama i
primenjenim metodama istraživanja, u disertaciji su analizirani svi relevantni
činioci ko...ji determinišu neophodnost regulisanja banaka i važnu ulogu
regulative u upravljanju bankarskim krizama. Istraživanje je usmereno na analizu
ključnih faktora i elemenata koji imaju preventivnu funkciju u sprečavanju
nastanka kriza kako individualnih banaka tako i bankarskog sistema, uopšte. Na
bazi toga je stvorena osnova za racionalnu i relevantnu verifikaciju efekata,
nastalih po osnovu adekvatno uspostavljenih regulatornih okvira bankarskog
poslovanja.
Analiza svih bitnih aspekata bankarskog regulisanja u razvijenim zemljama
predstavlja koristan konceptualni okvir za kreiranje adekvatnog bankarskog
regulatornog okruženja u Srbiji. S tim u vezi, iskustvo i efekti primenjenih
mera u koncipiranju regulatornih okvira u razvijenim zemljama mogu značajno
doprineti povećanju efikasnosti regulatornog okvira u Srbiji u upravljanju
bankarskim krizama i njegovoj usklađenosti sa međunarodnim bankarskim
principima. U tome se sastoji i ključni doprinos disertacije.
The banking crises make an integral part of the banking system development in the
contemporary environment, which can be characterized as the complex, dynamic,
heterogeneous, uncertain and unpredictable. The problem of managing the banking crises, which is present in academic domestic and foreign literature for some years past, has been actualized by emerging the world financial crisis. The uncontroversial role of the banks in maintaining the stability of the total economic system implies, completely understandable, the establishing an adequate control over the banking activities from the part of the regulatory institutions. The changes in the global competitive environment cause the often regulatory reforms, which follow the development of the international active banks and banking holding companies. In relation with this, the international
convergence of the banking business standards represents the inevitable consequence of the financial markets globalization.
In harmony with the su...bject and purpose of the research, the set hypotheses and
applied research methods, in dissertation there are analysed all relevant elements
determining the necessity of the bank regulation and the important role of the regulation in managing the banking crisis. The research directed toward to the analysis of the key factors and elements which have the preventive function in inhibiting the crisis appearance as well as individual banks so and banking system at all. On basis of this, it is created the base for the rational and relevant verification of the effects, emerged on basis of the adequate established regulatory frameworks of the banking business.
The analysis of the all relevant aspects of the banking regulation in developed
countries represents the useful conceptual framework for creating the adequate banking regulatory environment in Serbia. In relation with this, the experience and effects of the applied measures in outlining the regulatory framework in developed countries, may significantly contribute to the increase of the regulatory framework efficiency in Serbia in managing the banking crises and its harmonization with the international banking principles. This is the key contribution of the dissertation.