THE IMPACT OF FINANCIAL CRISIS ON INTERBANK MARKET IN EUROZONE AND IN SLOVENIA

Znano je, da je globalna finančna kriza vplivala na celotni svet, predvsem na bančni trg. Začela se je leta 2007 v ZDA s pokom nepremičninskega balona. Kasneje pa se je razširila po celotnem svetu. Za reševanje te krize so bili uvedeni različni ukrepi, nekateri so bili v pomoč, spet drugi ne. Finančna kriza je vplivala na denarni trg, na medbančni trg v Sloveniji. Denarni trg zagotavlja glavni vir denarnih sredstev, udeležencem na trgu omogoča ohranjati likvidnost, centralni banki pa omogoča, da lahko vodi denarno politiko. Na medbančnem trgu si banka, ki je v likvidnostnem primanjkljaju, sposodi denar od banke, ki je v likvidnostnem presežku. Slovenske banke so se na evrskem denarnem medbančnem trgu močno zadolževale v času globalne finančne krize v obdobju od leta 2007 do leta 2009, predvsem od Evrosistema. Zadolženost se je zmanjšala po letu 2014. Banke so svoje obveznosti poravnale že v 29%, kar nam prikazuje poročilo o finančni stabilnosti za leto 2015.It is well known that financial crisis has affected the whole world, foremost the banking market. It started in the year 2007 in the USA with a real-estate bubble burst. Later, it spread throughout the world. To resolve this financial crisis, there were various measures taken, some of them were helpful and some of them not so much. The financial crisis has impacted the money market, the interbank market in Slovenia. The money market provides the main source of funds, it enables participants to maintain liquidity, and the Central Bank allows leading monetary policy. Some banks that have financial deficit borrow money from banks that have financial surplus on the interbank market. Slovenian banks were strongly incurring debts on the money interbank marketthey took loans from Eurosystem during the years 2007 and 2009. Indebtedness has been reduced after the year 2014. Banks have already settled their liabilities in 29%, as it is shown in a report on financial stability for the year 2015