20.500.12556/ReVIS-8718 Makrobonitetno priporočilo Banke Slovenije magistrsko delo Povečano zanimanje za makrobonitetna priporočila, ki določajo pravila kreditiranja, kot temeljni okvir za zagotavljanje vprašanja stabilnosti finančnega sistema, se je pokazalo po finančni krizi leta 2008. Finančna kriza in posledično povečanje zanimanja za makrobonitetni nadzor je oblikovalo nove odbore, ki so odgovorni za ustvarjanje priporočil in predpisov za zagotavljanje stabilnosti finančnega sistema. Nadzor in regulacija makrobonitetnih instrumentov, ki so del makrobonitetne politike, pa ni za vse finančne institucije, ki lahko odobravajo posojila, enak. Banke in hranilnice imajo svoje regulatorje in nadzornike, ostali kreditni posredniki pa imajo svoje neodvisne regulatorje in nadzornike. Novo objavljeni sklep, ki se je spremenil iz priporočila in postal obligatoren, je tako povzročil diskriminacijo ponudbe na finančnem trgu. Negativne posledice Sklepa o makrobonitetnih omejitvah kreditiranja prebivalstva so postale vidne še pred uradno objavo sklepa in takoj, ko je ta postal veljaven. Po pričakovanjih se je kreditiranje na področju prebivalstva zmanjšalo. Na trgu se pojavljajo novi ponudniki oz. nova podjetja, ki pridobivajo dovoljenja za potrošniško kreditiranje. Z veliko verjetnostjo lahko trdimo, da se bo velik del prebivalstva usmeril iz bančnega sektorja in posojila pridobival v tujini ali pa v podjetjih, ki niso podvrženi Sklepu o makrobonitetnih omejitvah kreditiranja prebivalstva. Ostaja vprašanje, ali je prvotni namen sklepa (dodatna stabilnost finančnega sistema) dosežen, saj banke pomembnemu deležu segmenta prebivalstva (kjer so banke tudi med finančno krizo 2008 ustvarjale pozitiven rezultat) ne morejo več zagotavljati dostopa do posojil Increased interest in macroprudential policy, which determine the rules for lending, as a fundamental framework for addressing the question of stability of the financial system, became apparent after the 2008 financial crisis. The financial crisis and the consequent increase in interest in macroprudential supervision have created new committees responsible for creating recommendations and regulations in order to ensure the stability of the financial system. Supervision and regulation of macroprudential instruments that are part of macroprudential policy is not the same for all financial institutions that can grant/approve loans. Banks and savings banks have their own regulators and supervisors, while other credit intermediaries have their own independent regulators and supervisors. The newly published decision which was changed from a recommendation to a mandatory one, has therefore led to a discrimination of the offer in the financial market. The negative consequences of the Regulation on macroprudential restrictions on household lending became visible even before the official publication of the decision, i.e. as soon as it came into force. As it was expected retail lending declined. New providers i.e. companies are appearing on the market, which are obtaining consumer credit licenses. It can be argued with a high degree of certainty that a large part of the population will turn away from the banking sector and obtain loans abroad or from companies that are not subject to the Regulation on macroprudential restrictions on household lending. The question remains whether the original purpose of the regulation (additional stability of the financial system) has been achieved, as banks can no longer provide access to credit to a significant proportion of the household segment (where banks also generated a positive result during the 2008 financial crisis) priporočilo makrobonitetno nadzor regulatorji posledice true false false [U. Bjedov] Slovenski jezik Angleški jezik Magistrsko delo/naloga 2022-02-25 14:45:10 2022-02-25 14:45:12 2024-06-12 17:03:12 0000-00-00 00:00:00 2021 0 Ljubljana 2021 Ljubljana Mag. delo 2. stopnje bolonjskega študija; Nasl. z nasl. zaslona; Opis vira z dne 23. 2. 2022; 1 spletni vir (1 datoteka PDF (90 str.)) 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 341.231.14(043.2) 98660099 RAZ_Bjedov_Urska_i2021.pdf RAZ_Bjedov_Urska_i2021.pdf 1 2EFFDC4ED6CF54A669BC5285D477A4A3 7aff74607d823bac79c2408c8cd2c2071440ad8a9dbd1e2321f866914b5d05f0 279f82b3-2899-11ef-9c9e-001a4af901a5 https://revis.openscience.si/Dokument.php?lang=slv&id=9386 Nova Univerza - Fakulteta za državne in evropske študije 0 0 0