UTICAJ ODRŽIVOG RAZVOJA NA UPRAVLJANJE RIZIKOM U PORTFOLIJU NPL-A U ZEMLJAMA ZAPADNOG BALKANA
DOI:
https://doi.org/10.59864/Oditor32307DKljučne reči:
zelene finansije, zeleni krediti, održivo bankarstvo, problemqtični krediti, Zapadni BalkanApstrakt
Koncept održivog bankarstva zasnovan je na principu ostvarivanja rasta i profita za banku i akcionare, ali samo uz postizanje socijalnih ciljeva, kao i brigu o očuvanju životne sredine. Pružanje novih bankarskih usluga i kreiranje novih (zelenih) bankarskih poslova, kojima se osim profitnih, ostvaruju i širi društveni i ekološki ciljevi, šanse su sa stvaranje konkurentske prednosti, kako u zemljama Zapadnog Balkana posmatranim u radu, tako i u svim zemljama sveta. U ovom radu ćemo se fokusirati na analizu makroekonomskih parametara u zemaljama Zapadnog Balkana radi ispitivanja uticaja odabranih pokazatelja na performanse bankarskog sistema, sa posebnim osvrtom na društvenu i komponentu zaštite životne sredine. Rezultati ukazuju na to da je stopa nezposlenosti najznačajniji pokazatelj potencijalno rizičnih događaja za bankare, kao i banke nisu prepoznate u nacionalnim strategijama o očuvanju životne sredine koje su u zemljama ZB trenutno na snazi. Shodno tome, prvo je neophodno vršiti edukaciju stranovništva, a paraleleno promovisati zelene kredite kao odžive i na dug rok povoljnije od tradicionalnih kredita, uz ažuriranje postojećeg regulatornog okvira u domenu zaštite životne sredine.
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