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2014, vol. 43, br. 4, str. 56-93
Komercijalno bankarstvo u uslovima deregulacije vs. reregulacije
Univerzitet 'Džemal Bijedić', Ekonomski fakultet, Mostar, Federacija BiH

e-adresadzaklan@bih.net.ba
Ključne reči: komercijalno bankarstvo; bankarska deregulacija; bankarska reregulacija; Basel III; sistemski značajne banke
Sažetak
Ovaj rad obrađuje savremena kretanja komercijalnog bankarstva sučeljavajući faze deregulacije i globalnom hipotekarnom krizom pokrenute reregulacije te djelatnosti. U deregulatornim uslovima je došlo do zaoštravanja konkurentske pozicije banaka, na što su one reagovale povišenom: marketizacijom, odnosno globalizacijom, koncentracijom, sekjuritizacijom i konglomeratizacijom, te profitno orjentisanim menadžmentom rizika svoje aktivnosti. Kontrakcija njihove kamatne margine je tako bila neutralizovana redukcijom operativnih troškova i rezervi za gubitke, te povećanjem nekamatnog prihoda održavajući bankarsku profitabilnost. Recentna kriza je ukazala na potrebu čvršće regulacije ili reregulacije bankarskog sektora, sa svrhom umanjenja njegovog sistemskog rizika u čemu se ističe značaj strožijih međunarodnih standarda bankarskog kapitala i likvidnosti, te potreba adekvatnog tretmana sistemski značajnih banaka. Reregulacija treba da ojača kapitaliziranost i likvidnost, ublaži obim, koncentraciju, internacionaliziranost i poslovnu razuđenost, te poboljša nadzor bankarskog sektora implicirajući njegovu nižu, ali stabilniju rentabilnost. Na takvo dejstvo donesenog dijela ciljanih regulatornih mjera upućuje viša likvidnost, niža globalizacija, usporenija koncentracija i sekjuritizacija, te stabilizaciono orjentisana aktivnost menadžmenta rizikom današnjih banaka. Njihov rast i profitabilnost su oboreni.
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O članku

jezik rada: bosanski, engleski
vrsta rada: izvorni naučni članak
DOI: 10.5937/bankarstvo1404056Z
objavljen u SCIndeksu: 28.05.2015.

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