REGULATION IN THE BANKING SECTOR OF BOSNIA AND HERZEGOVINA AND DEPOSIT INSURANCE SYSTEMS

Žaklina Spalević; Snježana Stanišić

doi:10.51738/Kpolisa2023.20.2r.237ss

Autori

Žaklina Spalević Univerzitet Singidunum, Beograd https://orcid.org/0000-0001-8502-2038
Snježana Stanišić Univerzitet Sinergija, Bijeljina, Bosna i Hercegovina https://orcid.org/0009-0006-5313-7280

DOI:

https://doi.org/10.51738/Kpolisa2023.20.2r.237ss

Ključne reči:

bankarski sektor, nadzor, monitoring poslovanja, izlozenost rizicima, depoziti

Apstrakt

Problemi u poslovanju banke, bez obzira na njenu veličinu, reflektuju se na ukupan finansijski sistem u kojem može doći do gubitaka, osim u slučaju ako država na vrijeme ne spriječi loš uticaj problematične banke na nivou ukupnog bankarskog sektora. Jedan od načina da se spriječe mogući problemi u finansijskom sistemu jedne države je sprovođenje nadzora nad poslovanjem banke. Sigurnim i transparentnim bankarskim sistemom utiče se na povećanje štediša koji se odlučuju da svoj kapital ulažu u banke. Monitoring poslovanja banaka u Bosni i Hercegovini ne provode samo supervizijska i regulatorna tijela. Banke su obavezne, prema Bazelu II, da uz opšte informacije objavljuju podatke o adekvatnosti kapitala i njegovoj strukturi, o izloženosti rizicima kao što su tržišni, kreditni, operativni, kamatni rizik. U okviru bankarskog sektora moguće je identifikovati neke od izvora njihove slabosti kao što su: neadekvatna upravljačka struktura banke, prisustvo implicitnih ili eksplicitnih oblika garantovanja države nad depozitima, nedostatak informacija o finansijskom položaju i statusu banke zbog primjene neadekvatnih računovodstvenih standarda.

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Biografije autora

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