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undergraduate thesis
METODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA
završni rad
2016. urn:nbn:hr:124:745699
Tica, Tea
University of Split
Faculty of economics Split

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Tica, T. (2016). METODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA : završni rad (Undergraduate thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:745699

Tica, Tea. "METODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA : završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2016. https://urn.nsk.hr/urn:nbn:hr:124:745699

Tica, Tea. "METODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA : završni rad." Undergraduate thesis, University of Split, Faculty of economics Split, 2016. https://urn.nsk.hr/urn:nbn:hr:124:745699

Tica, T. (2016). 'METODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA : završni rad', Undergraduate thesis, University of Split, Faculty of economics Split, accessed 19 April 2024, https://urn.nsk.hr/urn:nbn:hr:124:745699

Tica T. METODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA : završni rad [Undergraduate thesis]. Split: University of Split, Faculty of economics Split; 2016 [cited 2024 April 19] Available at: https://urn.nsk.hr/urn:nbn:hr:124:745699

T. Tica, "METODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA : završni rad", Undergraduate thesis, University of Split, Faculty of economics Split, Split, 2016. Available at: https://urn.nsk.hr/urn:nbn:hr:124:745699

Metadata
TitleMETODE UPRAVLJANJA RIZIKOM LIKVIDNOSTI BANAKA : završni rad
AuthorTea Tica
MentorMarijana Ćurak (mentor)
MBZ: 214755
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2016-09, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Banke se u svom poslovanju susreću s rizikom likvidnosti, koji je jedan od najznačajnijih rizika jer može u kratkom roku izazvati velike probleme za banku te u konačnici i za bankovni sustav. Također rizik je koji se može pojaviti na strani aktive i pasive bilance banke. Stoga je zadatak svih banaka održavanje likvidnosti. Naime, banke u svakom trenutku trebaju biti u mogućnosti ispuniti zahtjeve svojih klijenata i deponenata. Potrebna sredstva za ispunjenje svojih obveza mogu pribaviti korištenjem pohranjenih i/ili kupljenih rezervi likvidnosti koje predstavljaju metode upravljanja rizikom likvidnosti. Zbog važnosti rizika, banke trebaju svakodnevno mjeriti izloženost riziku te imati adekvatnu politiku upravljanja likvidnošću koju određuje uprava. Sustav osiguranja depozita i diskontni prozor kao mehanizmi zaštite od rizika likvidnosti koriste se u sprječavanju navale na banke koja izaziva kolaps u bankovnom sustavu, a rezultat je velikog i neočekivanog odljeva depozita. Također, u studiji slučaja koja je provedena na primjeru dviju banaka u Republici Hrvatskoj, vidljivo je kako veličina banke nema velik utjecaj na pokazatelje likvidnosti jer i najmanja banka može imati dobre pokazatelje, tj. bilježiti manju izloženost riziku.
Abstract (english)
Banks meet in their business with liquidity risk, which is one of the most significant risk because it can, in short term, cause great problems for bank and ultimately also for banking system. Therefore the assignment of all banks is maintenance of liquidity. In fact banks should be able, in any moment, fulfill demands of their clients and depositors. Resources necessary to fulfill their obligations they can obtain using the stored and/or bought liquidity reserves that represent the methods of managing liquidity risk. Due to the importance of the risk, banks should measure daily exposure to the risk and have adequate policy of managing the liquidity determined by the administration. Insurance system of deposits and “discount window“ as mechanisms of protection against liquidity risk are used to prevent attack at the banks that can cause collapse in banking system, and is result of great and unexpected outflow of deposits. Also, in the case study that was conducted on the example of two banks in Croatia, it is evident that the bank size does not have a great impact on liquidity ratios because even the smallest bank can have good indicators, ie. it can record a lower risk exposure.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:745699
Study programmeTitle: Business Studies
Study programme type: university
Study level: undergraduate
Academic / professional title: sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (sveučilišni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2016-10-24 15:22:26