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Normativno Uredjenјe Finansijskih Inovacija U Bankarstvu

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  • Ramadhani Issa Hemed

Abstract

Regulatorna dijalektika je proces koji se sastoji od tri faze. Svi ovi regulatori su usmereni na sve finansijske institucije da ostvare svoje cilјeve. Ovi cilјevi uklјučuju smanjenje ili učešće u riziku, ispravlјanje uočenih neefikasnosti i preraspodelu društvenih resursa. Na osnovu regulatornih normi, u cilјu ostvarivanja cilјeva, utiče se na konkurentsku poziciju banaka i drugih finansijskih institucija na finansijskim tržištima, dok je manje regulisanim institucijama (nebankarskim) dozvolјeno pružanje regulisanih usluga po nižim cenama. Zato su manje regulisana preduzeća fleksibilnija na tržištu i brže reaguju na promene u okruženju. Na osnovu toga, banke i druge finansijske institucije pokušaće da finansijskim inovacijama izbegnu ograničenja koja im nameće regulativa. Izbegavanje regulacije od strane banaka izaziva reakciju regulatornih institucija da se zatvori regulatorna rupa, poznata kao reregulacija.

Suggested Citation

  • Ramadhani Issa Hemed, 2022. "Normativno Uredjenјe Finansijskih Inovacija U Bankarstvu," Finansijski savetnik, Center for Economic and Financial Research (Belgrade), the Balkan Scientific Association of Agricultural Economists, and the University of Business Studies in Banja Luka, Bosnia and Herzegovina, vol. 27(1), pages 25-64, December.
    • Handle: RePEc:faj:finadv:v:27:y:2022:i:1:id:13
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