Utjecaj pristupanja bankovnoj uniji na stabilnost hrvatskog bankarskog sustava

professional thesis

• Author: Petra Pleh
• Mentor: Kristijan Kotarski (mentor); MBZ: 305363
• Committee member: Luka Brkić (predsjednik povjerenstva)
• Granter: University of Zagreb; The Faculty of Political Science; Zagreb
• Defense date and country: 2020-12-16, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Political Science

Abstract

Bankarska unija omogućava stabilnost bankarskog i financijskog sustava država članica EU-a koje su dio europodručja ili joj se odluče pridružiti. Za stabilnost financijskog sustava Republike Hrvatske bitna je stabilnost bankarskog sektora, jer bankarski sustav sudjeluje u financijskom sustavu sa gotovo 70%, dok je oko 80% imovine hrvatskog bankarskog sektora u vlasništvu stranih banaka koje su dio bankovne unije. Sudjelovanje u nadzornom mehanizmu bankovne unije donijelo bi veću stabilnost za hrvatski bankarski sustav kroz rano prepoznavanje kritičnih situacija, njihovo pravovremeno rješavanje i bolju kontrolu krize. Sanacijski mehanizam bankovne unije osigurat će stabilnost hrvatskog bankarskog sustava kroz osiguranje povjerenja klijenata da ne podižu panično uloge ako je opstanak neke banke ugrožen. Sanaciju banke neće primarno snositi porezni obveznici i državni proračun te neće biti utjecaja na realno gospodarstvo. Uspostavljanjem trećeg stupa bankovne unije, Europskog sustava osiguranja depozita (EDIS) ne bi se koristila sredstva iz hrvatskog proračuna za probleme hrvatskih banaka i isplatu deponenta kad bi bila potrošena sredstva iz Fonda osiguranja depozita kod Državne agencije za osiguranje štednih uloga i sanaciju banaka. Kapitaliziranost i likvidnost hrvatskih banaka veća je od tražene, a Europska središnja banka može odrediti i veće kapitalne zahtjeve ako procjeni da postoje dodatni rizici. Hrvatska narodna banka dobit će instrumente makroprudencijalne politike kojima može ograničiti kreditni rast i ograničiti potražnju za kreditima ili obvezati banke da se financiraju iz domaćih izvora. Hrvatska i hrvatski bankarski sustav izložen je potencijalnim krizama koje se manifestiraju kao valutni poremećaji, te će se uvođenjem eura rizik izbijanja bankovne krize smanjiti, a rizik izbijanja valutne krize potpuno će nestati. Pristupanje bankovnoj uniji osigurat će stabilnost bankarskog i financijskog sustava Republike Hrvatske.

Abstract (english)

The Banking Union provides the stability of the banking and the financial system of the EU member states that are part of the euro area or decide to join it. The stability of the banking sector is important for the stability of the financial system of the Republic of Croatia, because the banking system represents almost 70% of the financial system, while about 80% of the Croatian banking sector assets are owned by foreign banks that are part of the Banking Union. Participation in the Single Supervisory Mechanism would bring greater stability to the Croatian banking system through early identification of critical situations, their timely resolution, and better crisis control. The Single Resolution Mechanism of the Banking Union will ensure the stability of the Croatian banking system by ensuring the trust of clients and preventing a bank run if a bank's survival is threatened, and the bank's rehabilitation will not be at the expense of the taxpayers and the state budget. The establishment of the third pillar of the Banking Union, the European Deposit Insurance Scheme (EDIS), would avoid the use of funds from the Croatian budget for the problems of Croatian banks and the payment of depositors if funds from the deposit insurance fund at the State agency for deposit insurance and bank resolution were to be spent. The capitalization and liquidity of Croatian banks is in excess of requirements, and the European Central Bank may set higher capital requirements if it assesses that there are additional risks. The Croatian National Bank will receive macroprudential policy instruments that can limit credit growth and limit demand for loans or oblige banks to finance themselves from domestic sources. Croatia and the Croatian banking system are exposed to potential crises that manifest as currency disturbances, and the introduction of the euro will reduce the risk of a banking crisis, and the risk of a currency crisis will disappear completely. The accession to the Banking Union will ensure the stability of the banking and financial system of the Republic of Croatia.

• Keywords: bankovna unija; bankovni ili bankarski sustav; stabilnost; kriza
• Keywords (english): banking union; banking system; stability; crisis
• Language: croatian
• URN:NBN: urn:nbn:hr:114:001381
• Study programme: Title: Adapting to the European Union; specializations in: The project management and the use of EU funds and programmes; Course: The project management and the use of EU funds and programmes; Study programme type: university; Study level: postgraduate specialist; Academic / professional title: sveučilišni/ a specijalist/ specijalistica upravljanje projektima, fondovima i programima Europske unije (sveučilišni/ a specijalist/ specijalistica upravljanje projektima, fondovima i programima Europske unije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Closed access
• Created on: 2021-01-25 08:20:24