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Vojno delo
2018, vol. 70, br. 7, str. 335-344
jezik rada: srpski
vrsta rada: neklasifikovan
doi:10.5937/vojdelo1807335M


Empirijsko istraživanje determinanti NPL-a na tržištima u razvoju primenom metode fiksnih efekata - studija slučaja Srbije, Crne Gore i Bosne i Hercegovine
aUniverzitet Privredna akademija u Novom Sadu, Fakultet za primenjeni menadžment, ekonomiju i finansije, Novi Sad
bVisoka tehnička škola strukovnih studija, Kragujevac

e-adresa: tomislav.brzakovic@mef.edu.rs

Sažetak

Finansijske institucije igraju važnu ulogu u razvoju svake privrede vršeći optimalnu alokaciju kapitala od kapitalno suficitarnih ka kapitalno deficitarnim sektorima u privredi. Važnu ulogu u tom procesu imaju banke, jer one predstavljaju institucije čija najvažnija funkcija jeste da obezbede efikasan kanal za preusmeravanje sredstava. Glavnih problema sa kojim se suočavaju zemlje u razvoju jeste nestabilnost finansijskog, odnosno pre svega bankarskog sektora jer kreditni rizik predstavlja rizik da dužnici neće biti u mogućnosti da vrati kredit u roku i pod uslovima pod kojima su se zadužili. Otuda se nameće potreba da se izučavaju faktori koji determinišu pojavu neperformansnih kredita (Non-performing loan - NPL), kao jednog od najpoznatijih i najznačajnijih indikatora pojave kreditnog rizika.

Ključne reči

Reference

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