20.500.12556/DKUM-95178 Primerjava vzrokov propadov izbranih ameriških bank v letu 2008 in 2023 Causes of american banks collapse in 2008 and 2023 - a comparison Diplomsko delo primerja vzroke propadov izbranih bank, ki so bile v ospredju finančne krize leta 2008 in bančne krize leta 2023 v Združenih državah Amerike. Analiza posameznih primerov ameriških bank, ki so propadle v letu 2008 (Bear Stearns, Lehman Brothers, Washington Mutual in IndyMac) in 2023 (Silicon Valley Bank, First Republic Bank in Silvergate Bank) prikaže, kako se je v razponu petnajstih let situacija na finančnih trgih spremenila. Bančni propadi v letu 2008 so bili zaznamovani s pojavom kompleksnih finančnih instrumentov, pomanjkljivim nadzorom nad finančnimi institucijami in zlomom nepremičninskega trga. V letu 2023 pa so v ospredju vzrokov propadov bili različni tehnološki in tržni dejavniki, kot so dvig obrestnih mer za boj proti inflaciji ter izpostavljenost kripto industriji. The thesis compares the causes of failures of selected banks that were at the forefront of the 2008 financial crisis and the 2023 banking crisis in the United States of America. The analysis of the individual cases of US banks that failed in 2008 (Bear Stearns, Lehman Brothers, Washington Mutual and IndyMac) and in 2023 (Silicon Valley Bankm First Republic Bank and Silvergate Bank) illustrates how the fiancial market situation changed over a fifteen year period. Bank failures in 2008 were characterized by the emergence of complex financial instruments, inadequate oversight of financial institutions, and the collapse of the real estate market. In 2023, however, the main causes of failures were various technological and market factors, such as interes trate hikes to combat inflation and exposure to the cryptocurrency industry. Bančna kriza finančna kriza Lehman Brothers bančni propadi Silicon Valley Bank Banking crisis financial crisis Lehman Brothers bank failures Silicon Valley Bank true true false N. N. Prejacl] Slovenski jezik Angleški jezik Diplomsko delo/naloga 2025-09-08 17:47:35 2025-10-23 14:38:30 2025-10-24 03:23:29 0000-00-00 00:00:00 2025 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 254522627 UN_Prejac_Nika_Nikoleta_2025.pdf UN_Prejac_Nika_Nikoleta_2025.pdf 1 D1B5ABD74DB7BC9AFE79C3BD54CE44BA 3682e877d70012c15e758c551bc43622fb95519ab2176f748dd979bb3c9287d9 ec4aa703-a097-11f0-93a2-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=199579 Ekonomsko-poslovna fakulteta 0 0 0