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2015, vol. 61, br. 1, str. 115-130
Nenaplativi krediti u bankarskom sistemu Srbije, Hrvatske i Makedonije komparativna analiza
University American College, Skopje, Macedonia

e-adresajolevski2001@yahoo.com, iandovski@yahoo.com
Ključne reči: kreditni portfolio; nenaplativi krediti (NPL); bankarski sistemi; stopa rasta
Sažetak
Cilj ovog rada je da se proceni stepen nenaplativih kredita (NPL) kredita u bankarskim sistemima tri uzorka iz tri balkanske zemlje. Posebna pažnja je posvećena nivou nenaplativih (NPL) kredita i njihov odnos u poređenju sa ukupnim kreditima. Kvalitet kreditnog portfolija je bitna odrednica u budućim strategijama banaka, to je važno za ekonomski razvoj cele zemlje. Nenaplativi krediti (NPL) mogu uticati na ekonomski razvoj kroz kreditne aktivnosti koje utiču na potrošnju i stope adekvatnosti kapitala koji ograničavaju mogućnost rasta. Stvarajući spiralu i veću nenaplativost kredita (NPL) stvora se nizak privredni rast a nizak rast stvara dodatnu nenaplativost kredita (NPL) portfolio. U analizi ovog rada bićemo fokusirani na uporedne podatke kvaliteta kreditnog portfolija u Makedoniji, Srbiji i Hrvatskoj. Komparativna analiza će naglasiti razlike u kvalitetu portfolia na uzorku zemalja, kao i razloge za razlike. Razlozi za visoku otpornost nekih bankarskih sistema portfolija u odnosu na druge može da se koristi kao dragoceno sredstvo za jačanje stabilnosti bankarskog sistema. Ove tri zemlje su odabrane jer su imale visok kreditni rast u prošlosti do finansijske krize, one su pogođena krizom u isto vreme i njihovi bankarski sistemi su dominantno u vlasništvu stranih banaka.
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O članku

jezik rada: engleski
vrsta rada: naučni članak
DOI: 10.5937/ekonomika1501115D
objavljen u SCIndeksu: 02.07.2015.