institucionalne promene kao determinanta privrednog razvoja srbije

EFEKTI REFORMSKIH PROCESA I REGULATORNOG OKRUŽENJA
NA BANKARSKI SEKTOR SRBIJE
Dr Violeta Todorović, ∗ Dr Emilija Vuksanović*
Rezime: Bankarski sektor Srbije je, tokom devedesetih godina prošlog veka, funkcionisao
isključivo kao državni servis, koji je ostvarivao kratkoročne političke ciljeve. Na bazi
empirijskih podataka i iskustava, većina banaka je imala probleme u ispunjavanju
propisanih standarda poslovanja. S obzirom da se aktuelno stanje bankarskog sektora
može opisati kao visoko likvidno, adekvatno kapitalizirano i profitabilno, u radu je učinjen
pokušaj sveobuhvatne analize preduzetih reformskih procesa i regulatornih mera,
učinjenih u stvaranju takvog ambijenta. Problematika upravljanja bankarskim sektorom,
godinama unazad prisutna u domaćoj i stranoj stručnoj literaturi, aktuelizovana je pojavom
svetske finansijske krize. Stoga, cilj rada se sastoji u preispitivanju relevantnosti
primenjenih reformskih intervencionističkih mera i postojećih regulatornih politika.
Ključne reči: bankarski sektor, finansijska kriza, regulatorne mere, adekvatnost kapitala.
THE EFFECTS OF THE REFORM PROCESS AND THE REGULATORY
ENVIRONMENT ON THE BANKING SECTOR IN SERBIA
Abstract. The banking sector of Serbia during the nineties, worked exclusively as a public
service, which ran the short‐term political goals. Based on empirical data and experience, most
banks had problems in meeting the prescribed standards of business. Since the current state of
the banking sector can be described as highly liquid, adequately capitalized and profitable, the
paper attempts to give a comprehensive analysis of undertaken reforms and regulatory
measures incurred in creating such an environment. The issue of banking sector management,
present for years in domestic and foreign literature, has been actualized by the appearance of
the global financial crisis. Therefore, the aim of the paper is to review the relevance of applied
interventionist measures and existing regulatory policies as well.
Keywords: banking sector, financial crisis, regulatory measures, capital adequacy
∗ Univerzitet u Kragujevcu, Ekonomski fakultet