| Predlažemo uvođenje indeksa TOS - indeksa troškova sredstava čijim se praćenjem može razumjeti kretanje svih bitnih ulaznih troškova bankarskih izvora, kaže Zoran Bohaček, predsjednik HUB-a |
| Piše frenki laušić/EPEHA |
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| Na razvijenim tržištima LIBOR je ključan za shvaćanje promjena kamata na kredite građana / AFP |
“Kamatne su se stope nalazile u padu tijekom zadnjih nekoliko godina.
Međutim, otkad je pred oko godinu dana došlo do preokreta trenda kamatnih stopa na kredite u Hrvatskoj, slabo se razumiju uzročnici njihova rasta: raste li trošak regulacije, stopa dobiti banaka, svjetske kamatne stope ili trošak pribave sredstava na domaćem tržištu depozita?
Je li možda riječ o kombiniranom djelovanju tih uzročnika? Naša analiza pokazuje da ulazni troškovi banaka rastu već više od dvije godine”, ustvrdio je tom prilikom Bohaček.
Uzroci promjena kamatnih stopa vidljiviji su na razvijenim tržištima gdje postoji svima poznata referentna kamatna stopa poput LIBOR-a. Kamatne su stope uglavnom vezane uz referentnu stopu pa je korisnicima kredita jasno zbog čega se kamatna stopa na njihove kredite mijenja. “U nas kamatna stopa tržišta novca ne igra takvu ulogu jer je podložna teško predvidivim kolebanjima.
To znači da ne nosi informaciju koja bi bila korisna za razumijevanje uzroka promjena cijene kredita i/ili za korištenje u izračunu kamata na kredite.
U nedostatku neke druge referentne stope predlažemo indeks TOS – indeks troškova sredstava.
Praćenjem indeksa TOS može se pratiti i razumjeti kretanje svih bitnih ulaznih troškova bankarskih izvora sredstava”, istaknuo je Bohaček. Prema njegovim riječima, kamatne stope bi u Hrvatskoj opet trebale početi padati ulaskom naše zemlje u EU.
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[userHelper:protected] => Joomla\CMS\User\UserWrapper Object ( ) [_errors:protected] => Array ( ) [link] => /autor/2024-05-18-06-34-20-39 [profile] => Joomla\CMS\Object\CMSObject Object ( [_errors:protected] => Array ( ) [gender] => ) [avatar] => /components/com_ocm/images/placeholder/user.png ) [numOfComments] => 0 [mainImage] => https://static.slobodnadalmacija.hr/Archive/images/2008/04/23/Biznis/GERMANY00.jpg [galleryCount] => 1 [hasImage] => 1 [mainImageAuthor] => [mainImageDesc] => [popup_gallery] => Array ( [0] => stdClass Object ( [src] => https://static.slobodnadalmacija.hr/Archive/images/2008/04/23/Biznis/GERMANY00.jpg [title] => ) ) [bgPosition] => [videoType] => allvideos [text] => {OCMSplitter}| Predlažemo uvođenje indeksa TOS - indeksa troškova sredstava čijim se praćenjem može razumjeti kretanje svih bitnih ulaznih troškova bankarskih izvora, kaže Zoran Bohaček, predsjednik HUB-a |
| Piše frenki laušić/EPEHA |
|
| Na razvijenim tržištima LIBOR je ključan za shvaćanje promjena kamata na kredite građana / AFP |
“Kamatne su se stope nalazile u padu tijekom zadnjih nekoliko godina.
Međutim, otkad je pred oko godinu dana došlo do preokreta trenda kamatnih stopa na kredite u Hrvatskoj, slabo se razumiju uzročnici njihova rasta: raste li trošak regulacije, stopa dobiti banaka, svjetske kamatne stope ili trošak pribave sredstava na domaćem tržištu depozita?
Je li možda riječ o kombiniranom djelovanju tih uzročnika? Naša analiza pokazuje da ulazni troškovi banaka rastu već više od dvije godine”, ustvrdio je tom prilikom Bohaček.
Uzroci promjena kamatnih stopa vidljiviji su na razvijenim tržištima gdje postoji svima poznata referentna kamatna stopa poput LIBOR-a. Kamatne su stope uglavnom vezane uz referentnu stopu pa je korisnicima kredita jasno zbog čega se kamatna stopa na njihove kredite mijenja. “U nas kamatna stopa tržišta novca ne igra takvu ulogu jer je podložna teško predvidivim kolebanjima.
To znači da ne nosi informaciju koja bi bila korisna za razumijevanje uzroka promjena cijene kredita i/ili za korištenje u izračunu kamata na kredite.
U nedostatku neke druge referentne stope predlažemo indeks TOS – indeks troškova sredstava.
Praćenjem indeksa TOS može se pratiti i razumjeti kretanje svih bitnih ulaznih troškova bankarskih izvora sredstava”, istaknuo je Bohaček. Prema njegovim riječima, kamatne stope bi u Hrvatskoj opet trebale početi padati ulaskom naše zemlje u EU.
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| Predlažemo uvođenje indeksa TOS - indeksa troškova sredstava čijim se praćenjem može razumjeti kretanje svih bitnih ulaznih troškova bankarskih izvora, kaže Zoran Bohaček, predsjednik HUB-a |
| Piše frenki laušić/EPEHA |
|
| Na razvijenim tržištima LIBOR je ključan za shvaćanje promjena kamata na kredite građana / AFP |
“Kamatne su se stope nalazile u padu tijekom...
