PRINCIPLES OF COMMERCIAL STANCE IN COMMERCIAL BANK DURING FINANCIAL CRISIS

V prvem delu magistrskega dela sta opisana začetek in razvoj finančne krize, ki je s svojimi nepričakovanimi razsežnostmi precej vplivala na delovanje bank in celotnega finančnega sistema. V nadaljevanju sta prikazana pomen notranjega kapitala banke za njeno delovanje in izračunavanje njegove optimalne ravni skozi pravila obstoječega kapitalskega sporazuma Basel II, v primerjavi s prihajajočim kapitalskim sporazumom Basel III. V zadnjem delu so predstavljene spremembe v komercialnem delovanju znotraj banke, ki jih je prinesla finančna kriza, ter na primeru celotnega komercialnega postopka spremembe, ki jih prinaša kapitalski sporazum Basel III.In the first part, this survey describes the development and launch of the financial crisis, which was unexpected and in its unpredictable dimensions at great deal affected the functioning of banks and the entire financial system. In the following is an importance of bank capital for its operations, and calculating its optimal level, through the existing rules of capital framework Basel II in comparison with the upcoming capital framework Basel III. The final section presents the changes in commercial operation within the bank by the financial crisis, and in the case of how the present commercial bank process changes by the new Basel III capital framework