Abstract
The deposit insurance system is the backbone of the protective mechanism of the financial security network, which enables the prevention of a "stampede" of depositors on banks in order to prevent a negative effect on the stability of the financial system. Therefore, especially in the event of a crisis, such as the pandemic caused by COVID-19, the protection of financial stability and depositors emphasizes the importance and role of efficient organization of the deposit insurance system. The paper starts from the analysis of the concept of a financial security network in order to create a relevant basis for modeling the directions of development of the system of financial stability protection and risk prevention of banking operations. The aim of the paper is to conduct a research into the theoretical and empirical findings in order to identify the potential for a more effective deposit insurance system in the Republic of Serbia. An efficient deposit insurance system in the Republic of Serbia should provide support and protection for depositors, most of whom do not possess the necessary knowledge which can help them assess banking risks, i.e. risks of financial failure and crisis. The development of our deposit insurance system should be aimed at strengthening the stability of the financial system and banking operations, i.e. its resilience to crisis disturbances on the market.
Highlights
Centralne banke i regulatorna tela se trude da pospeše likvidnost na tržištu, uvodeći nove mere monetarne i finansijske politike, poreske olakšice i ostale mere za ublažavanje posledica COVID-19 koji je prouzrokovao oštre kontrakcije u ekonomskom razvoju, smanjenje likvidnosti i otežan pristup kapitalu (Vapa Tankosić, Čavlin i Buđevac, 2020)
Implementacija sistema osiguranja depozita ima pozitivne efekte i osmišlјava se u funkciji zaštita finansijskog sistema, međutim pri dizajniranju sistema neophodno je obratiti pažnju na sledeće rizike, i to:
Vapa Tankosić, J., Čavlin, M., Buđevac, Đ. (2020) Analiza mera centralnih banaka za ublažavanje monetarnih i finansijskih rizika izazvanih Kovid-19, Zbornik radova VII Međunarodne naučne konferencije „Tranzicija u 21. veku”, Institut primenjenih nauka Beograd, Centar za održivi razvoj Beograd, Visoka škola za menadžment i ekonomiju Kragujevac, Univerzitet za poslovne studije Banja Luka
Summary
Sažetak: Sistem osiguranja depozita je okosnica zaštitnog mehanizma mreže finansijske sigurnosti koji omogućava prevenciju „stampeda“ deponenata na banke radi sprečavanja negativnog efekta na stabilnost finansijskog sistema. Efikasan sistem osiguranja depozita u Republici Srbiji treba da pruži podršku i obezbedi zaštitu deponenata, koji mahom ne poseduju neophodno znanje koje bi im omogućilo da procene bankarske rizike,. Razvoj našeg sistema osiguranja depozita treba da se usmeri na jačanje stabilnosti finansijskog sistema i bankarskog poslovanja, odnosno njegove otpornosti na krizne poremećaje na tržištu. Centralne banke i regulatorna tela se trude da pospeše likvidnost na tržištu, uvodeći nove mere monetarne i finansijske politike, poreske olakšice i ostale mere za ublažavanje posledica COVID-19 koji je prouzrokovao oštre kontrakcije u ekonomskom razvoju, smanjenje likvidnosti i otežan pristup kapitalu (Vapa Tankosić, Čavlin i Buđevac, 2020)
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