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A pénzügyi termékek ára
[The price of financial products]

Author

Listed:
  • Vékás, Péter
  • Banyár, József

Abstract

A tanulmány a pénzügyi termékek árának fogalmát vizsgálja, s amellett érvel, hogy a fogalom átgondolatlan használata félrevezető, így az egyes piaci termékek olcsóságának vagy éppen drágaságának megalapozott vizsgálata érdekében mindenképpen pontosítást igényel. E gyakorlati szempontból rendkívül fontos kérdéskörnek a hagyományos pénzügyi témájú egyetemi tankönyvek feltűnően kevés figyelmet szentelnek. A nemzetközi és hazai szabályozás tömör ismertetését követően a cikk a fogalmi zavar tisztázása érdekében átfogóan ismerteti és elemzi a terméktípusonkénti árfogalmakat, amelyek sikerrel alkalmazhatók a pénzügyi fogyasztóvédelem területén a transzparencia és az ügyfél-elégedettség növelése érdekében. A tanulmány - a csomagolt lakossági befektetési termékekre vonatkozó EU-irányelv példáján új megvilágításba helyezve a kérdést - hozzá kíván járulni a pénzügyi termékek egységes költségmutatójának megalkotásához.* Journal of Economic Literature (JEL) kód: D18, G22, G23

Suggested Citation

  • Vékás, Péter & Banyár, József, 2016. "A pénzügyi termékek ára [The price of financial products]," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(4), pages 380-406.
    • Handle: RePEc:ksa:szemle:1624
    DOI: 10.18414/KSZ.2016.4.380
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    References listed on IDEAS

    as
    1. John Y. Campbell & Howell E. Jackson & Brigitte C. Madrian & Peter Tufano, 2011. "Consumer Financial Protection," Journal of Economic Perspectives, American Economic Association, vol. 25(1), pages 91-114, Winter.
    2. Mark V. Pauly & Kate H. Withers & Krupa Subramanian-Viswana & Jean Lemaire & John C. Hershey, 2003. "Price Elasticity of Demand for Term Life Insurance and Adverse Selection," NBER Working Papers 9925, National Bureau of Economic Research, Inc.
    3. Gruber, Jonathan & Lettau, Michael, 2004. "How elastic is the firm's demand for health insurance?," Journal of Public Economics, Elsevier, vol. 88(7-8), pages 1273-1293, July.
    4. Lusardi, Annamaria & Mitchell, Olivia S., 2011. "Financial literacy around the world: an overview," Journal of Pension Economics and Finance, Cambridge University Press, vol. 10(4), pages 497-508, October.
    5. Babbel, David F, 1985. "The Price Elasticity of Demand for Whole Life Insurance," Journal of Finance, American Finance Association, vol. 40(1), pages 225-239, March.
    6. World Bank, 2012. "Good Practices for Financial Consumer Protection," World Bank Publications - Reports 26861, The World Bank Group.
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    More about this item

    JEL classification:

    • D18 - Microeconomics - - Household Behavior - - - Consumer Protection
    • G22 - Financial Economics - - Financial Institutions and Services - - - Insurance; Insurance Companies; Actuarial Studies
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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