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Upravljanje Rizikom Likvidnosti Banaka U Tranzicijskim Državama

Author

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  • Igor Živko
  • Sunčana Slijepčević

Abstract

Banke su najznačajnije finansijske institucije u tranzicijskim državama, pa od njihove bezbednosti, stabilnosti i sposobnosti upravljanja rizicima zavisi poslovanje svih ostalih sektora. Svojim posredovanjem između onih koji poseduju viškove i onih s nedostatkom novčanih sredstava, banke utiču na privredni rast. Međutim, ukoliko postanu nelikvidne, banke nisu u mogućnosti ispunjavati svoju zadaću. Uz to, raste opasnost povećanja nepoverenja u bankarski sistem i nastanka krize. Banke, kao i druga preduzeća, posuđuju sredstva i pretvaraju ih u druge različite oblike aktive. Rizik likvidnosti predstavlja mogućnost nastanka negativnih posledica na bankarsku likvidnost pod uticajem različitih događaja, kao na primer naglog povlačenja depozita iz banke. Ciljevi upravljanja likvidnosti obuhvataju: dnevno vrednovanje svih finansijskih obaveza, izdvajanje barem minimalne rezerve likvidnosti i izbegavanje dodatnih troškova pozajmljivanja u slučaju nužde i prisilne prodaje imovine. Ponašanje klijenata i međuzavisnost između odobravanja kredita i povlačenja finansijskih sredstava predstavlja glavni izazov za uspešno upravljanje rizikom likvidnosti. Bankarski supervizori i banke tranzicijskih država moraju usvojiti Bazelske principe upravljanja rizikom likvidnosti za banke.

Suggested Citation

  • Igor Živko & Sunčana Slijepčević, 2006. "Upravljanje Rizikom Likvidnosti Banaka U Tranzicijskim Državama," Economic Annals, Faculty of Economics and Business, University of Belgrade, vol. 51(168), pages 137-158, January -.
    • Handle: RePEc:beo:journl:v:51:y:2006:i:168:p:137-158
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    Keywords

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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G3 - Financial Economics - - Corporate Finance and Governance

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