diplomsko delo
Primož Hafner (Avtor), Davorin Kračun (Mentor), Tanja Markovič-Hribernik (Komentor)

Povzetek

Finančna kriza se je začela jeseni leta 2007 na ameriškem finančnem trgu, ko so cene hipotekarnih obveznic in izvedenih finančnih instrumentov močno padle. Največje izgube so imele investicijske banke ter hipotekarne banke in mnogo bank je šlo v stečaj. Globalna finančna kriza je zmanjšala stabilnost globalnega finančnega sistema in mnogo delničarjev ter lastnikov obveznic je doživelo veliko izgub. Kot odgovor na finančno krizo, so bili v Evropi po letu 2010 ustanovljeni novi mehanizmi, skladi in instrumenti za reševanje bank in držav v finančnih težavah in zagotavljanja stabilnosti evra v EU. Namen našega diplomskega dela je predstaviti mehanizme, strategije in načine za izhod iz finančne krize v EU, v povezavi s programi in načrti, ki so primerni, da pomagajo bankam in državam v finančnih težavah in kako zagotoviti stabilnost evra v EU. Proučujemo kako so sprejeti ukrepi in instrumenti za stabilizacijo evra pripomogli k stabilizaciji bančnega sektorja v EU in kako preprečujejo ponovne izbruhe finančnih kriz. Proučujemo kakšna je vloga Banke Slovenije, ECB in države pri zagotavljanju finančne stabilnosti. Poskušamo ugotoviti ali so ustanovljeni skladi in mehanizmi dovolj uspešni, da zagotovijo finančno pomoč posameznim državam, ki imajo finančne probleme. Proučujemo, če je ustanovitev bančne unije v letu 2012, izboljšala finančno integracijo in finančno stabilnost v EU. Proučujemo varnost depozitov, v povezavi z uvedbo Enotne garancijske sheme za depozite. Proučujemo, če lahko Enotni nadzorni mehanizem izboljša nadzor nad bančnim sistemom, prepreči nastanek ponovnih finančnih kriz in če lahko Evropski bančni nadzorni organ izboljša varnost in učinkovitost v bančnem sektorju. Poskušamo ugotoviti, če lahko Evropski odbor za sistemska tveganja zmanjša sistemska tveganja v Evropi, izboljša učinkovitost delovanja bančnega sektorja in poveča gospodarsko rast v Evropi. Proučujemo kako so nove zahteve po višjih kapitalskih ustreznostih, v skladu z Baslom III, izboljšala finančno stabilnost v bančnem sektorju v EU in preprečila nadaljnje finančne krize v EU. Nadalje proučujemo, kako naj bi Pakt o stabilnosti in rasti zagotovil vzdržno gospodarsko rast in stabilnost v Sloveniji, zmanjšal brezposelnost in zagotovil višjo raven razvoja v naši državi. Na začetku diplome so predstavljene definicije bančnih kriz, njihove značilnosti in vzroki za nastanek, prav tako načini za stabilizacijo bančnega sektorja. V tretjem poglavju je podrobno opisan Evropski sklad za finančno stabilnost in Evropski mehanizem za finančno stabilnost. Četrto poglavje vsebuje opis Evropskega mehanizma za stabilnost, ki je nadomestil prejšnji sklad EFSF in mehanizem EFSM. Osrednji del raziskave predstavlja Bančna unija, ki je sestavljena iz Enotnega nadzorovanega mehanizma, Enotnega reševalnega mehanizma in Enotne garancijske sheme za depozite. V šestem poglavju je podrobno opisan Evropski bančni nadzorni organ, ki ima najbolj pomembno vlogo pri nadzoru bančnega sektorja. V sedmem poglavju je opisan Evropski odbor za sistemska tveganja. Poglavje osem opisuje kapitalske zahteve v skladu s Baslom III, medtem ko poglavje devet vsebuje opis Pakta za stabilnost in rast, ki naj bi Slovenijo izpeljal iz finančne krize . Po mojem mnenju je najbolj pomemben cilj, da se zagotovi stabilnost v bančnem sektorju in hkrati stabilnost evra v EU in tudi omogoči nadaljnja gospodarska rast.

Ključne besede

euro;finančna kriza;bančni sektor;finančna pomoč;tveganje;strukturne reforme;gospodarska rast;kapital;rekapitalizacija;

Podatki

Jezik: Slovenski jezik
Leto izida:
Tipologija: 2.11 - Diplomsko delo
Organizacija: UM EPF - Ekonomsko-poslovna fakulteta
Založnik: [P. Hafner]
UDK: 339.72
COBISS: 12089884 Povezava se bo odprla v novem oknu
Št. ogledov: 1212
Št. prenosov: 128
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: ǂThe ǂways of ensuring the stability of euro in European Union
Sekundarni povzetek: Financial crisis began in autumn 2007 in the US financial market, when the prices of mortgage bonds and structured financial instruments plummeted. Investment banks and mortgages banks had the largest losses and many of them went bankrupt. Global financial crisis reduced the stability of global financial system and many shareholders and bondholders experienced huge losses. As a response to the global financial crisis, new funds, instruments and mechanisms for saving banks and countries in financial difficulties and for ensuring the stability of the euro were established in Europe after 2010. The purpose of my research is to present mechanisms, the strategies and the ways of exiting the financial crisis in the EU together with the programmes and plans, which are appropriate to help banks and countries in financial difficulties and how to ensure the stability of euro in Europe. We research how the adopted measures and instruments for stability of euro contribute to the stability of the banking sector in the EU and prevent new financial crisis outbursts. We also research the role of Slovenia´s central bank (the Bank of Slovenia), the ECB and the government is ensuring financial stability. We try to establish if the established funds and mechanisms are successful enough to ensure financial aid to particular countries with financial difficulties. We examine, if the establishment of the Banking Union in 2012 has improved financial integration and financial stability in EU. We also examine the safety of deposits in line with the establishment of the Single European Deposit Guarantee Scheme. We research if the EU´s Single Supervisory Mechanism can improve the supervision of the banking system, prevent the return of the financial crisis and if the European Banking Authority can improve the safety and the efficiency of the banking sector. We try to establish, if the European Systemic Risk Board can reduce systemic risks in Europe, improve the efficiency operations in the banking sector and increase economic growth in Europe. We research, how new requests for higher capital adequacy in accord with Basel III improve financial stability in the EU banking sector and prevent further financial crisis in EU. Further, we examine how the Stability and Growth Pact should ensure durable economic growth and stability in Slovenia, reduce unemployment and ensure higher level of progress in our country. The first part of research provides definitions of financial crises, their characteristics and their causes as well as the ways of banking sector stabilization. The third chapter gives a detailed description of the European Financial Stability Facility and European Financial Stability Mechanism. The fourth chapter contains a description of the European Stability Mechanism, which has replaced a previous both EFSF and EFSM. The central part of this research represents the Banking Union, which is consists of the Single Supervisory Mechanism, the Single Resolution Mechanism and Single European Deposit Guarantee Scheme. In the sixth chapter, we give a detailed description of the European Banking Authority, whose role in the supervision of banks and the regulation of the banking sector is of very important. Chapter seven contains a description of European Systemic Risk Board, which has the role of macro-prudential oversight of the banking sector. Chapter eight describes new capital requirements in accord with Basel III while chapter nine contains a description of the Stability and Growth Pact, which should bring Slovenia out of financial crisis. In our opinion is, the most important goal is to ensure both the stability in the banking sector and the stability of the euro and also to enable further economic growth.
Sekundarne ključne besede: financial crisis;stabilization of banking sector;Banking Union;supervisory function;risks in banking sector;financial aid;recapitalisation;structural reforms;economic growth.;
URN: URN:SI:UM:
Vrsta dela (COBISS): Diplomsko delo
Komentar na gradivo: Univ. v Mariboru, Ekonomsko-poslovna fak.
Strani: IV, 123 str., 5 str. pril.
ID: 8760996