TFL Vsebine / Zbornik znanstvenih razprav

Prisotnost informacijske asimetrije in drugih tržnih nepopolnosti je eden bistvenih vzrokov za nastanek finančnih posrednikov. Njihova prisotnost sicer zmanjšuje stopnjo teh nepopolnosti, a je ne more odpraviti. Banke se s problematiko informacijske asimetrije soočajo tako v razmerju do dolžnikov kot v razmerju do svojih upnikov in delničarjev. Struktura bančne aktive je rezultat izbora in uspešnosti nadzora nad investicijami, ki na drugi strani močno vplivajo tudi na pripravljenost za financiranje z zunanjimi dolžniškimi in lastniškimi viri. Članek se osredotoča na analizo značilnosti bančnih sektorjev, kot so povprečna velikost banke, bančna mreža, lastništvo bank, likvidnost, kapitaliziranost in donosnost bančnega sektorja, ki omogočajo primerjavo ravni informacijske asimetrije v Sloveniji in Evropski uniji in območju z evrom.

Presence of information asymmetry and other market failures is one of basic reasons for existence of financial intermediaries. Their presence reduces the level of market imperfections, although it cannot eliminate it. Banks have to deal with problems connected to information asymmetry in relationship with their debtors as well as with their creditors and shareholders. Structure of their assets represents an outcome of selection and monitoring procedure of their investment, which also determines the preparedness of their creditors and equity providers to entrust them with funds. Article looks into banking sector characteristics, such as average bank size, banking network, bank ownership, liquidity, capitalization, profitability in order to assess presence of information asymmetry in Slovenian as compared with European Union and euro area banking sectors.