| Assesment on Implementation Basel II rules in Serbian Banking
Division | Osvrt na implementaciju standarda Bazela II u poslovanje bankarskog sektora Srbije |
| Management, [pdf] | Menadžment, [pdf] |
| ID: 7.2011.59.8 Number: 59 Year: 2011 UDC: 339.972:336.71(497.11) [tmx] [bow] |
Lidija Barjaktarović
Mail: LbarjaktaroviC@singidunum.ac.rs | Lidija Barjaktarović
E-pošta: LbarjaktaroviC@singidunum.ac.rs |
Dejan Ječmenica
Mail: d.jecmenica@wiener.co.rs | Dejan Ječmenica
E-pošta: d.jecmenica@wiener.co.rs |
Abstract
Process of transformation is evident in developed and less developed countries and covers all areas of industry
and social life. In accordance with it, the transformation of banking sector is absolute, and it touches our country.
The dynamics of transformation depend on the level of country development and happenings in the world
economy and politics. The happenings on the world financial market in the last decade, aimed at pure profit increase
(without analysis and respecting present risks), resulted from the world economic crisis by the end of
2007. It indirectly makes the process of transformation of the Serbian banking sector more difficult, due to the
fact that it depends on creditworthiness and development strength of own customers and socio-political factors
in the country. Local banks are organized in a modern way, which is determined by the EU and Basel
Committee Rules, and have modern electronic equipment and mainly professional staff. Stronger competition
in the local market will make differences between banks more visible (such as high structural imbalance in
terms of financial strength and business results, general level of business efficiency is at low level), which makes
space for further mergers and acquisitions of the banks, as a way of faster capital strengthening of the banks, and have other advantages connected to the organization and technical support with direct impact on the efficiency
and effective use of the funds. | Apstrakt
Proces transformacije, je zahvatio i zahvata i razvijene i manje razvijene zemlje i sve oblasti privrednog i društvenog života. Shodno tome, transformacija je neminovnost i u bankarstvu, koja nije zaobišla ni našu zemlju.Tempo transformacije zavisi od nivoa razvijenosti same zemlje i dešavanja u svetskoj ekonomiji i politici. Dešavanja na svetskom finansijskom tržištu u protekloj deceniji, usmerena na uvećanje profita po svaku cenu (bez analize i uva`žvanja prisutnih rizika), uzrokovali su svetsku ekonomsku krizu krajem 2007. godine. Što implicitno otežava proces transformacije bankarskog sektora u Srbiji, obzirom da isti zavisi od kreditne i razvojne sposobnosti svojih klijenata i društveno-političkih prilika u zemlji. Domaće banke su organizovane na savremen način, uređen po ugledu na EU i pravila Bazelskog sporazuma, i raspolažu elektronskom opremom i uglavnom profesionalnim kadrom. Jačanje konkurencije na domaćem tržištu će razlike između banaka (kao što su: visoke strukturne neravnoteže u pogledu finansijske snage i rezultata poslovanja, opšti nivo efikasnosti poslovanja je na niskom nivou) učiniti još vidljivijim, što proširuje prostor za ukupnjavanje domaćih banaka kroz proces spajanja, pripajanja i privatizacije, kao vidova bržeg kapitalnog jačanja, koji nose i druge prednosti organizacione i tehničko-tehnološke prirode, a olakšavaju put do ekonomičnijeg poslovanja i efikasnije upotrebe sredstava. |
| Pages: 71-77 | Strane: 71-77 |