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2016, vol. 54, iss. 4-6, pp. 317-337
Law and economics analysis of financial intermediation of banking industry in Serbia: The case of loan contracts
University of Belgrade, Faculty of Law
Abstract
Risks that banks are exposed, together with asymmetrical information are the main issue of the banking industry. The higher the risk that a bank is exposed to, the higher is risk premium that is requested, hence the higher are interest rates and the lower is credit supply. The main clauses of the loan contracts that ameliorate the risks, particularly the interest rate and exchange rate risks, are identified. It was demonstrated that courts in Serbia in general well understand the character of interest rate risk, but the problems appear with the exchange rate risk, basically because it has been confused with inflation risk. The wrong conclusion that banks should not use more than one contract clause to protect them from various risks that they are exposed to can bring about increase of the interest rate and decrease of the supply of loans.

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article language: Serbian
document type: unclassified
published in SCIndeks: 15/07/2016

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