Spremembe v strukturi virov  financiranja bank v Sloveniji v  obdobju 2007-2013

Celinger, Nike

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Title:	Spremembe v strukturi virov financiranja bank v Sloveniji v obdobju 2007-2013
Authors:	ID Celinger, Nike (Author) ID Dajčman, Silvo (Mentor) More about this mentor...
Files:	UN_Celinger_Nike_2021.pdf (1,29 MB) MD5: 51A7CD56B30171431D47BC6CFCC57ABE PID: 20.500.12556/dkum/67a8dbcb-1d06-47ff-b4c3-b6ee622ea123
Language:	Slovenian
Work type:	Final seminar paper
Typology:	2.11 - Undergraduate Thesis
Organization:	EPF - Faculty of Business and Economics
Abstract:	Svetovna finančna in gospodarska kriza, ki se je izredno hitro razvila v eno največjih kriz po veliki krizi v tridesetih letih prejšnjega stoletja, je v času od 2007 pa do danes močno vplivala na bančni sistem in zato vzbudila moje zanimanje. Banke so se morale novim gospodarskim okoliščinam še posebej hitro prilagoditi. Pomanjkanje zaupanja med njimi je povzročilo premike na strani obveznosti bank in pomembno vplivalo na spremembe v strukturi virov financiranja. Bančni sistem (ne samo v Sloveniji, ampak v celotni Evropski uniji) je moral zmanjšanje medbančnega posojanja nadomestiti z dražjimi viri financiranja. Zato je zaznati veliko rast depozitov nebančnega sektorja, pa tudi virov ECB, ki je bankam priskočila na pomoč z operacijami dolgoročnega refinanciranja. Lastništvo slovenskih bank je do neke mere oblikovalo odzive bank na nove izzive. Velike banke v državni lasti so imele dostop do virov, ki so zagotovljeni z dostopom do državnih garancij, banke v večinski tuji lasti pa so velik del financiranja preko svojih materinskih družb ohranile pri tujih bankah. Skupina majhnih slovenskih bank je na zaostrene razmere financiranja odgovorila s ponujanjem visokih obrestnih mer na depozite, ki predstavljajo enega najpomembnejših virov financiranja. Vsebina diplomsega seminarja je sestavljena iz šestih poglavij, od katerih sta prvo in zadnje poglavje uvodno oziroma sklepno. V drugem poglavju na kratko predstavljam začetek finančne krize, njene vzroke, posledice, s katerimi se spopada finančni in realni sektor v Sloveniji zadnjih šest let in protikrizne ukrepe monetarne in fiskalne politike. V tretjem poglavju sem opisala delovanje in položaj bančnega sistema v Sloveniji v času pred krizo in med njo. V četrtem delu naloge sem predstavila teoretično razvrščanje virov financiranja po različnih kriterijih, predstavitev obveznosti bank, vpliv stroškov financiranja na pridobivanje virov in financiranje bank v času krize. V petem poglavju podrobneje opisujem vpliv finančne krize na gibanje oziroma spremembo strukture virov financiranja na primeru posamezne izbrane banke in ugotovitve primerjam s celotnim bančnim sistemom v Sloveniji.
Keywords:	finančna kriza, banke, bančni sistem, obrestna mera, viri financiranja.
Place of publishing:	Maribor
Publisher:	[N. Celinger]
Year of publishing:	2015
PID:	20.500.12556/DKUM-79507
UDC:	336.71
COBISS.SI-ID:	83582979
Publication date in DKUM:	04.11.2021
Views:	1168
Downloads:	52
Metadata:
Categories:	EPF
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Licences

License:	CC BY-NC-ND 4.0, Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International

Link:	http://creativecommons.org/licenses/by-nc-nd/4.0/
Description:	The most restrictive Creative Commons license. This only allows people to download and share the work for no commercial gain and for no other purposes.
Licensing start date:	12.07.2021

Secondary language

Language:	English
Title:	Changes in the structure of sources of bank financing in slovenia from 2007 to 2013
Abstract:	Global financial and economic crisis, which soon became one of the biggest crises after The Great Depression in the 1930s, raised my attention by having an immense impact on the banking system since 2007. Banks have been forced to adapt to new economic environment circumstances very fast. Lack of confidence amongst them has caused shifts between different categories of liabilities in the banks' balance sheets and the banks' funding structure. Banking system, not only in Slovenia but also in the whole EU region, has been forced to compensate a lack of interbank lending with more expensive funding. As a result, we have been able to observe higher growth in customer deposits base and also ECB funding which has offered help via long term refinancing operations. Large state-owned banks has had easier access to state guarantees when obtaining new funds, while the banks in foreign ownership preserved higher share of funding in interbank markets. A group of smaller Slovenian banks has answered the tougher conditions by raising interests rates on customer deposits to attract larger shares of much needed funds. The graduate seminar of six chapters, including an introduction and conclusion. In the second chapter, the beginning of financial crises, its causes, and consequences are presented (especially the impact the crises had on banking and real sector of the economy in the last six years and some monetary and fiscal measures that governments have implemented). In the third chapter, the Slovenian banking system is described before and during the crisis, followed by the forth chapter, where I have defined banks' funding structure with different criteria and effects the costs of funding have on the changes in the structure. In the fifth chapter, I offer a more detailed view of shifts among different funding sources for certain representative Slovenian banks and later compare the findings with the banking system in general.
Keywords:	financial crisis, banks, banking system, interest rate, sources of funding.

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