(magistrsko diplomsko delo)
Jan Premrov (Avtor), Katarina Zajc (Mentor)

Povzetek

Bančništvo je ključen dejavnik v ekonomskem sistemu, zato je zelo pomembno, da banke poslujejo odgovorno, so pozorne na tveganja lastnega poslovanja in vzdržujejo raven regulativnega kapitala, ki ustreza njihovi izpostavljenosti oziroma tveganjem. Vse te vidike ureja in zagotavlja ravno bančna regulacija. Zato sem v uvodnem delu magistrskega dela najprej prestavil osnovne značilnosti bančne regulacije, ki so preprečevanje sistemskih tveganj, zagotovitev nemotenega delovanja monetarne politike in oblikovanje bonitetnih pravil. Ti cilji se uresničujejo na več ravneh. Najprej je tu mednarodna raven, na kateri so pravila vsebovana v Baselskih standardih (Basel I–IV). Z vidika magistrskega dela sta pomembna predvsem Basel III in IV, ki sta bila sprejeta kot odgovor na globalno finančno krizo iz leta 2008. Naslednjo raven ureditve predstavlja evropska izvedbena zakonodaja, kjer sta ključna dokumenta Uredba 2019/876/EU in Direktiva 2019/878/EU, ki v Evropsko unijo vnašata Basel III in IV. Zadnjo raven regulacije sestavlja nacionalna zakonodaja, zato sem v magistrskem delu na kratko predstavil tudi slovensko ureditev bančništva. Poglavitni cilj je preveriti, ali nova baselska in evropska zakonodaja dejansko preprečujeta nastanek novih kriz oziroma zmanjšata njihove posledice. To sem preveril na osnovi statističnih podatkov o ključnih kazalnikih. Prvi izziv za novo ureditev je predstavljala kriza covid-19, kjer se je ravno nova ureditev pomembno izkazala. Na osnovi statistični podatkov o novi ureditvi in spopadanju s krizo ter njenim posledicami v globalnem in slovenskem merilu lahko ugotovim, da je nova ureditev učinkovita, primerna in prispeva odločilen korak na poti do stabilnega, trdnega in proti šokom odpornega finančnega sistema

Ključne besede

bančna regulacija;Uredba 2019/876/EU;Baselski standardi;Basel III;ekonomska analiza;Evropska unija;

Podatki

Jezik: Slovenski jezik
Leto izida:
Tipologija: 2.09 - Magistrsko delo
Organizacija: UL PF - Pravna fakulteta
Založnik: [J. Premrov]
UDK: 330:34(043.2)
COBISS: 109288195 Povezava se bo odprla v novem oknu
Št. ogledov: 169
Št. prenosov: 82
Ocena: 0 (0 glasov)
Metapodatki: JSON JSON-RDF JSON-LD TURTLE N-TRIPLES XML RDFA MICRODATA DC-XML DC-RDF RDF

Ostali podatki

Sekundarni jezik: Angleški jezik
Sekundarni naslov: Economic analysis of bank regulation at EU level
Sekundarni povzetek: Banking is a key factor in the economic system, which is why it is very important that banks operate responsibly, pay attention to the risks in their business operations, and maintain a level of regulatory capital that suits their level of exposure or risk. All these aspects are governed and provided by bank regulation. For this reason, the introductory section of the master's thesis begins with a presentation of the basic characteristics of bank regulation, i.e., preventing systemic risks, ensuring smooth operation of the monetary policy, and designing prudential requirements. These objectives are being realized at several levels. First, there is the international level, where the rules are collected in the Basel standards (Basel I–IV). From the perspective of the master's thesis, the most important standards are Basel III and IV, which were adopted in response to the global financial crisis of 2008. The next regulatory level is represented by the European implementing legislation; the key documents are Regulation 2019/876/EU and Directive 2019/878/EU, which have introduced the Basel III and IV standards into the European Union. The final regulatory level is national legislation, which is why the master's thesis briefly presents the Slovenian banking system. The main objective is to verify whether the new Basel and European legislations actually prevent the emergence of new crises or mitigate their consequences. That was verified using statistical data on key indicators. The first challenge for the new regulation was the COVID-19 crisis and the new regulation came through. Based on statistical data on the new regulation and on dealing with the crisis and its consequences on a global and national scale, it can be determined that the new regulation is effective and appropriate, and has contributed a decisive step towards a stable, solid and shock-resistant financial system.
Sekundarne ključne besede: bank regulation;Regulation 2019/876/EU;Directive 2019/878/EU;Basel standards;Univerzitetna in visokošolska dela;
Vrsta dela (COBISS): Magistrsko delo/naloga
Študijski program: 0
Konec prepovedi (OpenAIRE): 1970-01-01
Komentar na gradivo: Univ. v Ljubljani, Pravna fak.
Strani: 57 f.
ID: 15268238