دانلود مقاله ISI انگلیسی شماره 42547
عنوان فارسی مقاله

آخرین مورد مساله عدم تقارن اطلاعاتی در خرده فروشی بازار هسته ای خدمات بانکی در جمهوری چک

کد مقاله سال انتشار مقاله انگلیسی ترجمه فارسی تعداد کلمات
42547 2015 5 صفحه PDF سفارش دهید محاسبه نشده
خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.
عنوان انگلیسی
The Latest Case of Information Asymmetry Issue on the Retail Core Banking Services Market in the Czech Republic ☆
منبع

Publisher : Elsevier - Science Direct (الزویر - ساینس دایرکت)

Journal : Procedia Economics and Finance, Volume 23, 2015, Pages 1461–1465

کلمات کلیدی
خطر اخلاقی - اتحادیه های اعتباری - بیمه سپرده - جمهوری چک -
پیش نمایش مقاله
پیش نمایش مقاله آخرین مورد مساله عدم تقارن اطلاعاتی در خرده فروشی بازار هسته ای خدمات بانکی در جمهوری چک

چکیده انگلیسی

The paper is focused on the latest information asymmetry issue in the Czech Republic on the retail banking services market. The problem considers credit union (savings cooperative) business that seemed stable after the problematic restructure 10 years ago. But during this January the payment from Deposit Insurance Fund of the Czech Republic had to compensate the consumers of the MSD credit union. This subject provided services with higher interest rates even during the last years of technically zero interest rate of the central bank. A question information asymmetry and the moral hazard arose again. All that is written in famous study for European central bank by VesalaetGropp supporting the explicit deposit insurance system is correct but the conditions has partially changed. Credit unions try to compete with banks undertaking a higher level of credit risk but still being within Basel II accords. The paper is considering the question of the future development – to try to compete with the conventional banks as FIO credit union successfully did or to return to “Austrian” model. Next future trend is outlined in sum up of the deposit insurance system characteristics backed by other several studies. Also the problem of information asymmetry overcome is being discussed with the result that mostly used monitoring indicator cannot be applied to credit union market.

خرید مقاله
پس از پرداخت، فوراً می توانید مقاله را دانلود فرمایید.