Анализ влияния банкротства крупных игроков на банковский бизнес, Analysis of the too Big to Fail Problem (1 глава)

• Номер работы:
  437471
• Раздел:
  Все работы   →   Части дипломной   →   Банковская деятельность и финансы
• Год добавления:
  30.04.2017 г.
• Объем работы:
  30 стр.
• Содержание:
  INTRODUCTION 3
  CHAPTER I. THEORETICAL AND METHODOLOGICAL FRAMEWORK OF THE TOO BIG TO FAIL PROBLEM 7
  1.1 Occurrence of the too big to fail problem 7
  1.2 Reasons for which the state helps large banks 13
  1.3 Ways of state support of large banking institutions 14
  1.4 Consequences of the state support of large financial institutions 21
  1.5 Semi-strong form efficiency in connection with too big to fail problem 27
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  Relevance of the research. Ensuring sustained development of national economy belongs to the key problems of state policy. Growth rates of national production and their stability are defined by external factors (development of world economy, level of prices of foreign market for energy resources, etc.), and by internal factors. The solution of a problem of sustained economic growth is impossible without creation of an effective competitive banking system.
  The institute of bankruptcy has special specifics in the financial sphere because banking institutions represent «blood system» of the country. The banking system provides accumulation of free financial resources, their involvement in a turn, supports mechanism of intersectoral and inter-regional redistribution of capital. The banking system is the most important element of the settlement and payment mechanism of the country concentrated by expression of economic policy of the state. The level of development of a banking system defines security and stability of national currency, its purchasing power, an exchange rate. For any sovereign state questions of ensuring stability of national credit system have a strategic importance and they are always urgent, making a part of the concept "economic security of the state"...
  In the crisis conditions in economy many banks face bankruptcy. This phenomenon arises in cases when the enterprise isn"t able to pay off creditors and stops the existence. The loan non-return, loss of cost of assets, losses from activity can become the reason for which the bank becomes the bankrupt. Each of the listed reasons conducts to the fact that own capital of bank decreases. If it becomes below zero, then the bank admits insolvent, and it promotes that liabilities will begin to surpass assets. In such situations auditors usually come to the decision on the termination of activity of this insolvent financial institution .
  If big banks are going to be bankrupts, it causes the «too big to fail problem». This term was used first time by economist Hyman Minsky . This problem is about financial institutions, so big and having such quantity of economic relations that their bankruptcy will have catastrophic consequences for economy in general...
  The problem of the largest banks, in our opinion, keeps the relevance now because any essential steps according to its solution haven"t been undertaken. The serious gap between leaders and other banks in the main economies smoothes out a little, but on a global scale the problem still remains. "Too big to fail" designates financial institutions which importance is so big that their crash would have catastrophic consequences for national economies. This term has gained special popularity during the financial crisis which has captured the world in 2007-2010.
  In this regard there is a theory which adherents consider that such institutes have to possess certain privileges from the governments and/or the central banks for maintenance of the viability.
  Opponents of this theory believe that it is counterproductive and that large banks and other financial institutions have to be provided to their destiny and even crash if their activity is inefficient...