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Bankowość transgraniczna w Europie Środkowo-Wschodniej

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  • Michał Kruszka

Abstract

Celem artykułu jest analiza transgranicznego świadczenia usług bankowych. Z tego względu przedstawiono podstawowe regulacje prawne Światowej Organizacji Handlu oraz Unii Europejskiej. Oba systemy prawne dopuszczają tę formę internacjonalizacji banków. W analizie empirycznej skupiono się na sektorach bankowych dziesięciu państw z Europy Środkowo-Wschodniej w latach 1998-2010. Udziały bankowych usług transgranicznych w całkowitym wolumenie depozytów lub kredytów sugerują znaczącą międzynarodową integrację rynku międzybankowego. Bankowość detaliczna jest nadal domeną banków obecnych kapitałowo w badanych państwach. W artykule zaprezentowano również informacje o determinantach transgranicznego świadczenia usług bankowych dla podmiotów niefinansowych. W tym celu oszacowano panelowe funkcje regresji. Uzyskane wyniki wskazują na zależność dynamiki kredytów od stopy wzrostu gospodarczego, zmian kursu walutowego oraz zaburzeń na rynku finansowym. Zmiany wartości depozytów są determinowane dynamiką kursu walutowego oraz różnicą w poziomach stóp procentowych w kraju i strefie euro.

Suggested Citation

  • Michał Kruszka, 2012. "Bankowość transgraniczna w Europie Środkowo-Wschodniej," Gospodarka Narodowa. The Polish Journal of Economics, Warsaw School of Economics, issue 1-2, pages 41-64.
    • Handle: RePEc:sgh:gosnar:y:2012:i:1-2:p:41-64
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    References listed on IDEAS

    as
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    More about this item

    Keywords

    bankowość transgraniczna; integracja finansowa;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • F36 - International Economics - - International Finance - - - Financial Aspects of Economic Integration

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