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Ekonomika
2018, vol. 64, br. 2, str. 111-124
jezik rada: engleski
vrsta rada: naučni članak
doi:10.5937/ekonomika1802111M

Creative Commons License 4.0
Evaluacija kreditne politike makedonskih banaka pre i posle krize 2008. godine - komparativna studija
aUAKS Institute for entrepreneurship and leadership development, Skopje, Macedonia
bUniversity American College, Skopje, Macedonia

e-adresa: jadranka.mrsik@uacs.edu.mk, goran.vasilev@gmail.com

Sažetak

Cilj ovog rada je evaluacija kreditne politike banaka u Makedoniji u odnosu na razvijene zemlje pre i posle krize 2008. godine. Posebno se procjenjuje kreditne politike i da li su i kako su politike izmenjene nakon globalne recesije. S tim u vezi, formulišemo dva istraživačka pitanja koja težimo da analiziramo na osnovu prikupljenih podataka. Istraživanje se zasniva na kvantitativnom pristupu koristeći intervjue sa višim i srednjim kreditnim menadžerima iz dvadeset banaka u Makedoniji, JIE i SAD-u da analiziraju promene u njihovoj kreditnoj politici. Rezultati pružaju sledeće nalaze: 1) kreditna politika makedonskih banaka su konzervativnije od stranih banaka u oba posmatrana perioda; i 2) Finansijska kriza uticala je na kreditne politike svih posmatranih banaka, ali uticaj je jači unutar JIE i američkih banaka. Dobijeni rezultati mogu biti od interesa za kontinuirano poboljšanje upravljanja kreditima i rizikom banaka, kao i za donosioce politika kako bi se sprečile buduće finansijske krize.

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