Εμπειρική μελέτη της συμπεριφοράς των μη εξυπηρετούμενων δανείων στο ελληνικό τραπεζικό σύστημα
An empirical study of the behavior of non-performing loans in the Greek banking system
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Keywords
Μη εξυπηρετούμενα δάνεια ; Μη εξυπηρετούμενα ανοίγματα ; ΑΕΠ ; Διατραπεζικό επιτόκιο ; Ανεργία ; Ιδιωτική κατανάλωση ; Τραπεζικό σύστημαAbstract
This thesis deals with the widespread issue of such «bad debts», which is a broad, much-discussed, specialized and multi-layered problem for several regional economies of the Eurozone, including Greece. Effective management of NPLs/ NPEs by financial institutions is one of the biggest challenges they face, as it is of utmost importance to quickly restore financial stability, improve market confidence and faith in the financial sector as well as strengthening the ability of the banking sector to finance the economy and therefore lead to a sustainable economic recovery. This paper analyzes the role and structure of the financial system, defines key concepts and characteristics related to NPLs/ NPEs and evaluates the reason and way of creating this large volume of bad debts, which strongly affects both the development of banks and society, thus making the need to deal with them in an imperative way. In addition, the regulation and supervision framework of the financial system is analyzed as well as the regulatory framework and concepts that govern it. Among other things, the financial crisis in America and the Greek debt crisis are presented, as well as the indicative ways of dealing with the issue through the means available to the banks in order to reduce the levels of the non-performing loans in question. Consequently, the current institutional framework for the management of NPLs/ NPEs is analyzed based on the supervisory authorities’ guidelines that have been established. Finally, an empirical study is performed regarding the effect of some of the most important factors on the formation of non-performing loans. Specifically, a bibliographic analysis of the variables included in the empirical research is carried out and their effect on the non-performing loans is analyzed as well as statistical conclusions are drawn.
Postgraduate Studies Programme
Οικονομική και Επιχειρησιακή ΣτρατηγικήDepartment
Σχολή Οικονομικών, Επιχειρηματικών και Διεθνών Σπουδών. Τμήμα Οικονομικής ΕπιστήμηςNumber of pages
115Language
GreekCollections
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Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα
Αναφορά Δημιουργού-Μη Εμπορική Χρήση-Όχι Παράγωγα Έργα 3.0 Ελλάδα