Moral hazard in the banking sector of Republika Srpska

Authors

  • Горана Крунић Deposit Insurance Agency of Bosnia and Herzegovina

DOI:

https://doi.org/10.7251/ACE1625089K

Keywords:

moral hazard, insured depositors, the banking crisis

Abstract

Many previous crisis in the banking sector showed that moral hazard is often one of the main causes of such crises. Failure of two banks in Republika Srpska in a very short period of time gave rise to this study to determine whether in the banking sector of Republika Srpska there is an in?uence of moral hazard and in what forms. Confirmation of moral hazard e?ects by both the insured bank depositors and by the lower rated banks in the banking sector and the negative impact of moral hazard e?ects on the level of interest rates, but also on the quality of the banking sector have opened up the space for further research. They refer to the possible e?ects of proving moral hazard as a cause of bank failures in the banking sector of Republika Srpska, as well as establishing safeguard mechanisms for hazardous behaviour of all participants in the banking sector of Republika Srpska, including banking regulators.

Downloads

Download data is not yet available.

References

Башић, Д. (2012). Савремено банкарство. Бања Лука: Економски факултет Универзитета у Бањој Луци.

Башић, Д. (2010). Улога осигурања депозита у превазилажењу банкарске кризе. Acta economica, 12(VIII), стр. 293-323.

Ćirović, M. (2001). Bankarstvo. Beograd: Bridge Company.

Demirguc-Kunt, A.; Detragiache, E. (2000). Does Deposit Insurance Increase Banking System Stability? An Empirical Investigation. Преузето 5.4.2016. године са http://siteresources.worldbank.org/INTFR/Resources/475459-1108066643741/asli_enrica.pdf

Критерији за интерно рангирање банака од стране Агенције за банкарство Републике Српске. Службени гласник Републике Српске број 12/03.

Mishkin, F. (2010). Ekonomija novca, bankarstva i fnansijskih tržišta. Zagreb: Mate doo.

Милаковић, Н. (2013). Петогодишњица слома Lehman Brothers Bank. Финрар, 9(VIII), стр. 80-84.

Downloads

Published

2016-07-31

How to Cite

Крунић, Г. (2016). Moral hazard in the banking sector of Republika Srpska. Acta Economica, 14(25), 89–109. https://doi.org/10.7251/ACE1625089K

Issue

Section

Review article