Primerjava bančnega sektorja Slovenije in Madžarske

delo diplomskega seminarja

Žiga Tratenšek (Author), Tanja Markovič-Hribernik (Mentor)

Abstract

V diplomski nalogi primerjamo bančna sektorja Slovenije in Madžarske po zaključku reforme bančnega sektorja. Madžarska je izvedla popolno privatizacijo bančnega sistema takoj po končanem procesu sanacije, medtem ko Slovenija s privatizacijo odlaša še 20 let po tranziciji. Ugotovili smo, da sta oba bančna sistema dobro delovala v času konjunkture, dosegala sta velike donose in zadovoljevala potrebe gospodarstva in prebivalstva po denarju. Po začetku globalne finančne krize v letu 2008 so se pokazale slabosti posameznih bančnih sektorjev. Medtem ko se madžarski bančni sektor sooča z velikimi odpisi zaradi devalvacije domače valute, je slovenski bančni sektor, zlasti državne banke, prizadelo hitro naraščanje posojil, ki so bila izdana pod spornimi pogoji ob neustreznem zavarovanju. Po primerjavi vseh kazalcev smo ugotovili, da se je madžarski bančni sektor kljub velikim valutnim nihanjem izkazal za bolj odpornega in bolj učinkovitega, medtem ko slovenski bančni sektor zaradi državnega lastništva še vedno ne posluje po ekonomskih načelih in je podvržen vplivom domače politike. Madžarski bančni sektor je tako kljub spornim ukrepom madžarske vlade izkazal višje donose oziroma manjše izgube iz poslovanja, višjo kapitalsko ustreznost ter boljšo strukturo bilanc.

Keywords

banke;bančništvo;bančni sistemi;Slovenija;Madžarska;

Data

Language:	Slovenian
Year of publishing:	2012
Source:	Maribor
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[Ž. Tratenšek]
UDC:	336.71(497.4:439)
COBISS:	11296028
Views:	1054
Downloads:	148
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Comparison of the banking sectors Slovenia and Hungary
Secondary abstract:	In this diploma seminar work we compare banking sectors of Slovenia and Hungary after their reformation. Hungary implemented the complete privatisation of the banking sector immediately after the reconstruction process, while the privatisation of Slovenian banks has not yet even started properly. We found that both banking systems worked well in the economic expansion until 2008, providing adequate amount of financial sources to the economy and achieving high yields. After the beginning of the global financial crisis, the situation changed. Both banking sectors exposed their weaknesses but in different ways. After comparing all the indicators, we found that the Hungarian banking sector proved to be more resistant and more efficient despite the high currency risk, while the Slovenian banking sector, which is still primarily state owned, failed to follow the economic principles due to strong influence of domestic politics, which resulted in huge losses of state owned banks. Despite the government’s controversial measures, the Hungarian banking sector achieves positive yields, higher capital adequacy and better structure of balance sheets.
Secondary keywords:	banking sector;privatisation of banks;reconstruction of banking system;Slovenia;Hungary;
URN:	URN:SI:UM:
Type (COBISS):	Final seminar paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	43 str.
Keywords (UDC):	social sciences;družbene vede;economics;economic science;ekonomija;ekonomske vede;finance;finance;money;monetary system;banking;stock exchanges;denar;monetarni sistem;bančništvo;borzništvo;
ID:	997310