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Ekonomski horizonti
2013, vol. 15, br. 3, str. 213-227
jezik rada: srpski, engleski
vrsta rada: izvorni naučni članak
objavljeno: 06/01/2014
doi: 10.5937/ekonhor1303213T
Alternativni regulatorni pristupi upravljanju bankarskim krizama
Univerzitet u Kragujevcu, Ekonomski fakultet

e-adresa: v.todorovic@kg.ac.rs

Projekat

Unapređenje javnih politika u Srbiji u funkciji poboljšanja socijalne sigurnosti građana i održivog privrednog rasta (MPNTR - 47004)

Sažetak

Funkcionisanje banaka u deregulisanom i konkurentnom tržišnom ambijentu podrazumeva preuzimanje rastućih i kompleksnih rizika poslovanja. Neadekvatno upravljanje rizicima od strane bankarskih menadžera dovodi do pojave problemskih banaka i nastanka bankarskih kriza. Praktično, krize banaka čine sastavni deo razvoja bankarskih sistema u savremenom okruženju, koje se može okarakterisati kao kompleksno, dinamično, heterogeno i nepredvidivo. Negativni efekti bankrotstava individualnih banaka na privredni sistem zahtevaju pravovremeno uspostavljanje adekvatnih regulatornih okvira i preduzimanje intervencionističkih mera saniranja bankarskih problema. Problematika upravljanja bankarskim krizama, godinama unazad prisutna u stručnoj domaćoj i stranoj literaturi, aktualizovana je pojavom globalne Subprime krize. Stoga je u radu učinjen pokušaj sveobuhvatne analize uzroka nastanka i načina rešavanja bankarskih kriza. Pored identifikovanja uzroka i suštinskih razlika analiziranih bankarskih kriza, preispitivaće se relevantnost primenjenih intervencionističkih mera i postojećih regulatornih politika.

Ključne reči

bankarske krize; intervencionističke mere; regulativa bankarskog poslovanja; regulatorne reforme

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