Utjecaj deregulacije na globalnu financijsku krizu : Diplomski rad

U ovom radu se pokazao utjecaj deregulacije na financijsku krizu 2008.godine i pokušao se objasniti njezin utjecaj na ostale uzroke financijske krize. MeĎu ostalim uzrocima ubrajamo subprime hipotekarne kredite, sekuritizaciju, agencije za kreditni rejting, monetarnu politiku i promicanje politike tržišta nekretnina. Deregulacija je putem regulativnih aktova djelovala na opuštanje standarda u financijskom sustavu i okretanju komercijalnih banaka prema investicijskom bankarstvu. Moralni hazard, nesavršene informacije i kreditni rizik su rasli kako je sve više deregulativnih zakona izglasano. Pokušala se literaturom poduprijeti teza da je deregulacija utjecala na nastanak financijske krize. Regulacija budućnosti treba biti proaktivna prema rješavanju problema financijskog sustava i institucija.In this paper the goal is to point at impact of deregulation on financial crisis of 2008 through several other causes of financial crisis. The several other causes are subprime mortage loans, securitization, credit rating agencies, monetary policy and house initiative policy. Deregulation has caused lower standard of credit lending with help of several deregulation acts and it promoted consolidation of commercial and investment banks. Moral hazard, imperfect informations and credit risk were higher than ever as more and more deregulation legislative has been voted up. The goal was, with a help of variety of economic literature, to test hypothesis that deregulation caused financial crisis. Regulation of the future should be effective and proactive in solving the existing problems of financial sector and preventing new problems to occur