REGULATIVA EVROPSKE UNIJE I BANKARSKI SEKTOR REPUBLIKE SRBIJE

The process of transformation is inevitable in all areas of economic and social life, as well as in banking. Accordingly, the transformation process has not bypassed our country. The dynamics and pace of transformation depends on the level of development of the country and developments in the world economy and politics. In the last decade, the events in the global financial market, aimed at profit maximization at any price (without analysis and appreciation of the risks involved), led to the global economic crisis in late 2007. This is slowing down the process of transformation of the banking sector in Serbia, since it depends on the credit and development capacities of the clients and the overall socio-political situation in the country. Domestic banks are organized in a modern way, in compliance with the recommendations of the EU and the rules of the Basel agreement; they have electronic equipment and most professional staff. The strengthening of competition in the domestic market will deepen the differences between banks and provide space for consolidating the domestic banks through the process of mergers, acquisitions and privatization. Moreover, the aspects of faster capital strengthening, which carry other advantages of the organizational, technical and technological nature, may faciliate cost-effective operations and more efficient use of resources.Proces transformacije je neminovan u svim oblastima privrednog i društvenog života , pa tako i u bankarstvu. Shodno tome, proces transformacije nije zaobišao ni našu zemlju. Dinamika i tempo transformacije zavisi od nivoa razvijenosti same zemlje i dešavanja u svetskoj ekonomiji i politici. Poznato je da su dešavanja na svetskom finansijskom tržištu u protekloj deceniji, usmerena na uvećanje profita po svaku cenu (bez analize i uvažavanja prisutnih rizika), doveli do svetske ekonomske krizu krajem 2007. godine. To je usporavalo proces transformacije bankarskog sektora u Srbiji, s obzirom da on zavisi od kreditne i razvojne sposobnosti svojih klijenata i društveno-političkih prilika u zemlji. Domaće banke su organizovane na savremen način, uređene po ugledu na EU i pravila Bazelskog sporazuma, i raspolažu elektronskom opremom i uglavnom profesionalnim kadrom. Takođe, jačanjem konkurencije na domaćem tržištu će produbiti razlike između banaka i dati prostor za ukupnjavanje domaćih banaka kroz proces spajanja, pripajanja i privatizacije, kao vidova bržeg kapitalnog jačanja, koji nose i druge prednosti organizacione i tehničko-tehnološke prirode, a olakšavaju put do ekonomičnijeg poslovanja i efikasnije upotrebe sredstava