Regulation and deregulation in banking sector

Predmet istraživanja je pitanje regulacije i deregulacije bankarskog sektora. Svrha istraživanja je utvrditi je li opravdano regulirati ili deregulirati bankarski sustav na temelju prikaza povijesnog razvoja različitih bankarskih sustava. Razlog odabira teme uvjetovan je posljedicama koje je kriza u financijskom sektoru SAD-a izazvala na razini globalnog gospodarstva. Rezultati istraživanja upućuju na zaključak da deregulirani bankarski sektor postaje vrlo sklon špekulativnim i visokorizičnim poslovima uslijed kojih su klijenti banaka i realni gospodarski sektor izloženi iznimnim rizicima. Regulacija i supervizija bankarskog sektora se stoga preporučuje kao rješenje koje osigurava povjerenje klijenata u bankarski sektor, makroekonomsku stabilnost gospodarstva, ali i slobodu kretanja kapitala u globalnoj i liberalnoj suvremenoj ekonomiji.The research topic is the question of regulation and deregulation of the banking sector. The purpose of the study is to determine whether it is justified to regulate or deregulate the banking system based on the presentation of the historical development of different banking systems. The reason for choosing a topic arises from the consequences of the crisis in the financial sector of the United States which had negative impacts on the global economy. The research results suggest that the deregulated banking sector becomes very prone to speculative and high-risk activities due to which the bank clients and the national economy becomes exposed to extreme risks. The regulation and supervision of the banking sector is therefore recommended as a solution that ensures customer confidence in the banking sector, macroeconomic stability of the economy and also the free movement of capital in the global and liberal contemporary economy