Η επίδραση θεσμικών και κανονιστικών αλλαγών του τραπεζικού συστήματος στον κίνδυνο και στην κερδοφορία των ευρωπαϊκών τραπεζών

Καραγιάννη, Ειρήνη - Μιχαέλα

Master Thesis

Author

Καραγιάννη, Ειρήνη - Μιχαέλα

Date

2016-01

Abstract

The subject of the diploma thesis is related to competition, profitability and instability of the banking sector and how they contribute to the various regulations and directives issued by the European Central Bank (ECB). It is quite interesting subject because as we know the banking system is the heart of modern market economy. Banking institutions provide payment services are essential for all financial transactions, accept deposits of savers and lend to individuals and businesses for consumption and productive purposes, thereby playing a key role in developing the economy. At the same time, banks are vulnerable to bank jitters (bank runs) that may lead to depositors in simultaneous massive withdrawals of their deposits, and therefore in their collapse (Diamond and Dybvig 1983, Gorton 1988). The economic cost of such a development is extremely negative since it is limited to the bank in trouble, but extends to all operators with this bank, including individuals, businesses, or other financial institutions (Goodhart 2010). Moreover, the risk of contagion to other market players has increased in recent years as the interdependence, especially of large financial institutions, has been intensified through increased trade and partnerships in the interbank market, in derivatives markets and payment systems (Carletti and Hartmann 2002). This paper refers to the changes brought about by regulatory rules through the Basel III and Basel II to address the risk of banks and to maintain banking system stability in the eurozone countries and is based on a survey conducted in Canada and the which refers to whether a regulatory directive from the Central Bank of Canada affect positively or negatively the state of other banks in the country, mainly commercial, for the reduction of risk, the maintenance of stability and increase their profitability.

Postgraduate Studies Programme

Χρηματοοικονομική και Τραπεζική με κατεύθυνση στην Χρηματοοικονομική Ανάλυση για Στελέχη

Department

Σχολή Χρηματοοικονομικής και Στατιστικής. Τμήμα Χρηματοοικονομικής και Τραπεζικής Διοικητικής

Number of pages

103

Language

Greek

URI

https://dione.lib.unipi.gr/xmlui/handle/unipi/9510

Collections

Τμήμα Χρηματοοικονομικής και Τραπεζικής Διοικητικής

Show full item record

Except where otherwise noted, this item's license is described as
Attribution-NonCommercial-NoDerivatives 4.0 Διεθνές