Причини за консолидацията в банковия сектор

Автори:
Страници: 158-166

Резюме:

The consolidation of the banking sector is considered as a promising solution to the current sectoral problems. Those are mainly related to the negative interest rate, the loss of market shares to the FinTech firms as well as an adequate downsizing of the number of all credit institutions coresponding to the pace of growth of the global economic development. At the same time, the complex interaction of objective and subjective reasons for a bank consolidation is itself the starting point of each consolidation process. All consolidation motives are only a prerequisite for the actual start of the consolidation process. However, they do not predetermine its conclusive success or failure. In the praxis the efficiency, the market share growth, the diversification improvement, the access to the state financial security network and the personal motives of the bank management are the main impulses for all consolidations in the banking sphere. The final decision whether or not concerning to the realisation of a potential bank consolidation must be distinguished by its both objectivity and impartiality. The intention to achieve a rational solution is necessary to allow, not only theoretically, but also practically, the rejection of any consolidation with negative economic effects.

Ключови думи:

banks, banking system, banking sector, credit institution, consolidation of the banking sector.

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