Емпиријска процена кредитних активности банака детерминантама приватног сектора: Случај Северне Македоније
Sažetak
Главни циљ листа је да истражи главне детерминанте банкарских кредитних активности приватном сектору у Северној Македонији. Теорија раста и емпиријске студије показују да је кредитна активност банака један од најважнијих фактора економског раста, посебно у земљама у којима финансијским системом доминирају банке. Приступ финансијама приватног сектора од кључног је значаја за подршку инвестицијама, док кредити домаћинствима имају позитиван ефекат на подршку коначној потрошњи. Међутим, фокусирамо се само на банкарске кредите приватном сектору јер то има значајнији утицај на економски раст кроз улагање у физички капитал и технологију. У том смислу, за период од четвртог квартила 2007. до трећег квартета 2019. примењујемо такозвану анализу регресије у једној земљи на основу модела АДРЛ. Резултати показују да депозити и ефикасност банака имају најзначајнији утицај на кредите приватних банака, док ненаплаив кредити негативно утичу на раст кредита приватних банака.
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