Lezioni Eac

In: Business and Management

Submitted By maax
Words 3380
Pages 14
27-02-2013
CAPITOLO 2
La banca è un soggetto che opera all’interno di un sistema finanziario.
Che cos’è un sistema finanziario? È una sovrastruttura del sistema economico, consente al sistema economico di operare e di svilupparsi. é condizione dello sviluppo del sistema economico, ma si può dire anche il viceversa. Nessuno è riuscito a dimostrare la relazione tra i due sistemi. Molti sono concordi nel dire che tanto più è sviluppato il sistema finanziario, tanto più lo sarà quello economico.

ANALISI STRUTTURALE, definirne la struttura
Definizione = è un insieme di intermediari finanziari, strumenti finanziari e mercati finanziari;il cui funzionamento è sottoposto alla supervisione e controllo di autorità di vigilanza.
Le componenti dell’analisi strutturale si combinano in maniera diversa nel tempo (perché il sistema evolve nel tempo, le componenti hanno pesi e composizioni diversi nel tempo) e nello spazio (quello italiano è strutturalmente diverso da americano). Perché varia? Varia a causa delle azioni di regolamentazione e deregolamentazione (esempio: può consentire l’esercizio di nuove attività o l’ingresso di nuovi intermediari). Cambiano anche però per effetto dell’innovazione finanziaria. È un fenomeno che va a modificare l’evoluzione dei sistemi finanziari, ad esempio perché ci sono bisogni nuovi da soddisfare o per cercare di eludere la regolamentazione. Diventano possibili perche evolvono le conoscenze in campo finanziario (matematico statistiche). Anche l’innovazione tecnologica riveste un ruolo importante tra le cause di variazione, l’esempio più scontato è il computer negli anni 70 che ha reso possibile il calcolo di algoritmi molto complessi. Altra variabile importante sono le spinte competitive all’interno dei sistemi finanziari tra soggetti all’interno o nuovi entranti (locali o stranieri) che individuano fabbisogni insoddisfatti e si…...

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