Uticaj jedinstvene zone evro plaćanja na performanse bankarskog sektora
Sažetak
Bankarski sektor zemalja Evropske unije pretrpeo je značajne promene tokom protekle decenije. Pored promena regulatornog okvira, važno je istaći formiranje jedinstvene zone evro plaćanja (SEPA) čiji je primarni cilj unapređenje efikasnosti svih poslovnih entiteta. Pošto su banke učesnice u ovom procesu, cilj rada je da utvrdi efekat implementacije SEPA pravila na performanse bankarskog sektora Evropske monetarne unije. U radu je predstavljen metodološki okvir i postavljen model za merenje uticaja implementacije SEPA standarda na performanse bankarskog sektora. Model se zasniva na regresiji u kojoj se SEPA platni instrumenti koriste kao nezavisne promenljive. Podaci obuhvataju bankarske sektore 17 država članica EMU i odnose se na period 2002-2012. Svaka od 17 posmatranih država svrstana je u jednu od tri grupe, gde je kao indikator klasifikacije korišćeno učešće prosečne aktive bankarskog sektora posmatrane države u prosečnoj aktivi bankarskog sektora EMU.Rezultati istraživanja su u saglasju sa stavovima da su u kratkom roku koristi SEPA projektaniže od troškova.
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