De waarde van bankrelaties tijdens bankcrisissen: De case Rusland

Nico De Neve
Persbericht

De waarde van bankrelaties tijdens bankcrisissen: De case Rusland

De recente kredietcrisis heeft de wereld opnieuw duidelijk gemaakt dat bankfalingen niet

 

behoren tot het verleden of enkel tot financieel onderontwikkelde landen. Door het netwerk dat

 

banken vormen en het grote risico dat banken durven nemen krijgt prudentieel toezicht opnieuw

 

de volle aandacht. Gaandeweg groeit het idee dat overheidscontrole onvoldoende is en dat

 

alternatieve controleurs van banken te vinden zijn op de markt.

 

Er bestaat een ruime literatuur over de relaties die banken opbouwen met hun leners. De

 

algemene strekking is dat bankrelaties waardevol zijn, zowel voor de bank als haar partners. De

 

literatuur rond relaties die banken met elkaar aangaan is echter en stuk beperkter. Bovendien

 

duikt de vraag op wat dergelijke relaties waard zijn in moeilijke tijden. Wat als het banksysteem

 

zelf onder druk komt te staan en banken niet langer in staat zijn om hun verplichtingen na te

 

komen? Is het zo dat banken op elkaar kunnen rekenen tijdens crisissen?

 

Door krachtige instituties hebben financieel ontwikkelde landen relatief minder crisissen dan

 

landen die in volle ontwikkeling zijn. Bijgevolg is er ook minder data beschikbaar waaruit lessen

 

getrokken kunnen worden. Een land zoals Rusland dat enkele ernstige bankcrisissen achter de

 

rug heeft, is bijgevolg de ideale uitvalshoek om een beter inzicht te krijgen over hoe bankrelaties

 

functioneren en kunnen bijdragen tot stabiliteit van de interbankenmarkt.

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Universiteit of Hogeschool
Economische Wetenschappen - Economisch beleid
Publicatiejaar
2008
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