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Analysis of the Development and Risks in Building Savings in the Czech Republic
[Analýza vývoje a rizik stavebního spoření v České republice]

Author

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  • Pavel Řežábek

Abstract

The article addresses contractual savings for housing, which form in terms of volume of funds a significant part of the financial market in the Czech Republic. Building savings in the Czech Republic are based on an institutional scheme with government support. It constitutes a closed system with respect to deposits and loans. The key parameter is the government support, which has a major influence on the high attractiveness of building savings as a mean of deposit. Lower attractiveness due to forthcoming changes and the related loss of short term deposits, could lead to an increased liquidity risk stemming from maturity mismatch between assets and liabilities of building societies.

Suggested Citation

  • Pavel Řežábek, 2011. "Analysis of the Development and Risks in Building Savings in the Czech Republic [Analýza vývoje a rizik stavebního spoření v České republice]," Český finanční a účetní časopis, Prague University of Economics and Business, vol. 2011(3), pages 32-46.
    • Handle: RePEc:prg:jnlcfu:v:2011:y:2011:i:3:id:114:p:32-46
    DOI: 10.18267/j.cfuc.114
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    More about this item

    Keywords

    Financial stability; Building savings; Building society; Government support; Finanční stabilita; Stavební spoření; Stavební spořitelny; Státní podpora;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation

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