THE IMPACT OF THE GLOBAL FINANCIAL CRISIS ON THE BANKING SYSTEM

Slika nove svetovne finančne krize postaja vse bolj jasna. Njeno izhodišče iz ozkega področja slabih hipotekarnih posojil se je postopoma razširila na druge finančne trge in številne države pahnila v recesijo. Pričetek finančne krize lahko enačimo z množičnim begom vlagateljev s finančnega trga, ki se na več trgih zaradi vsesplošne panike pojavi istočasno. Proučila sem dejavnike, ki vplivajo na bančni sistem. Na kratko sem analizirala bančni sistem ter preučila posledice finančne krize na le-tega z vidika plačilne nediscipline, kreditnega krča, možnosti najema posojil v kriznem obdobju in raznih državnih intervencij oz. pomoči.The new global financial crisis is becoming more and more clear. Its point of origin, being bad mortgage loans, has gradually spread its effect to other financial markets and plunged a number of nations into recession. The beginning of the financial crisis can be explained with a massive exodus of investors from the financial market, which happened simultaneously in a number of markets, stemming from a general feeling of panic. I took it upon myself to briefly analyse the banking sistem and examine the consequences of the impact the financial crisis had made through non-fulfillment of payment obligations, the credit crunch, availability of credit during the period of crisis and from the aspect of state intervention and help