Determinante kreditnog rasta nefinansijskog sektora u Bosni i Hercegovini
Sažetak
Nefinansijski sector u Bosni i Hercegovini i preduzeća zbog nedostatka sopstvenih sredstava za održivi rast se oslanjaju na finansiranje svog poslovanja putem bankarskih kredita. Dominantno učešće u pogledu kreditiranja banaka u BiH je usmereno prema sektoru stanovništva, dok je sa druge strane odobravanje kredita preduzećima izraženo u manjem obimu. Korporativni sector nije u mogućnosti da pozajmljuje novčana sredstva putem izdavanja vlasničkih i dužničkih hartija od vrednosti zbog nerazvijenosti tržišta kapitala. Glavni cilj ovog istraživanja je da se utvrdi koje nezavisne varijable u regresivnom modelu imaju uticaj na visinu odobrenih kredita banaka prema nefinansijskom sektoru, tj. preduzećima. Stopa rasta kredita će se posmatrati kao zavisna varijabla, dok stopa rasta nekvalitetnih kredita, stopa rasta operativnih troškova, stopa rasta realnog BDP-a, indeks potrošačkih cena, stopa rasta depozita, kamatne stope na depozite, kamatna stopa EURIBOR, i kamatna stopa LIBOR će se posmatrati kao nezavisne varijable.
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