2. CENTRÁLNE BANKOVNÍCTVO Vznik centrálnych bánk Funkcie centrálnej banky Národná banka Slovenska

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1 Obsah Predhovor...3 Obsah...4 Content...8 Zoznam obrázkov...12 Zoznam grafov...14 Zoznam prípadových štúdií BANKY V NÁRODNOM HOSPODÁRSTVE Národné hospodárstvo a finančné inštitúcie Funkcie finančného systému Úlohy finančných sprostredkovateľov v národnom hospodárstve Bankový systém Obchodníci s cennými papiermi Správcovské spoločnosti, investičné spoločnosti Poisťovne a zaisťovne Dôchodkové fondy Ďalšie finančné inštitúcie vo finančnom sektore Formovanie jednotného trhu finančných služieb Európskej únie Genéza formovania jednotného trhu finančných služieb Európskej únie Ciele a súčasti Akčného plánu finančných služieb Lamfalussyho legislatívny proces Budúcnosť jednotného trhu finančných služieb Európskej únie Pracovný program výborov 3L Finančná kríza faktor ovplyvňujúci zmeny vo finančných systémoch Finančné krízy v ekonomickej teórii Od cenovej bubliny hypoték k medzinárodnej finančnej kríze Dá sa predvídať intenzita a dĺžka prebiehajúcej finančnej krízy? Potenciálny vplyv finančnej krízy na reálnu ekonomiku...57 Zhrnutie...59 Kľúčové slová...61 Otázky...61 Literatúra...62 Internetové zdroje...63 Tlačené médiá

2 2. CENTRÁLNE BANKOVNÍCTVO Vznik centrálnych bánk Funkcie centrálnej banky Národná banka Slovenska Právny základ Národnej banky Slovenska Rozhodovacie orgány Národnej banky Slovenska Menová politika Národnej banky Slovenska Emisia bankoviek a mincí Národnou bankou Slovenska Regulácia finančného trhu Národnou bankou Slovenska Platobný styk a Národná banka Slovenska Medzinárodné aktivity Národnej banky Slovenska Teoretické aspekty menovej únie v Európe Východiská teórie optimálnej menovej zóny Súčasný stav teórie optimálnej menovej zóny Európsky systém centrálnych bánk Časový harmonogram vzniku menovej únie v Európe Spoločná jednotná mena euro Členstvo Slovenska v Európskej únii a etapy eurokonverzie Právny základ Európskeho systému centrálnych bánk Základné a doplnkové úlohy eurosystému Nezávislosť, štruktúra a imanie Európskej centrálnej banky Rozhodovacie orgány Európskej centrálnej banky Menová politika Európskeho systému centrálnych bánk Devízová politika Európskeho systému centrálnych bánk Centrálne bankovníctvo a finančná stabilita Regulácia európskych národných finančných trhov a dohľad nad nimi Nadnárodná regulácia európskych finančných trhov Regulácia slovenského finančného trhu Zhrnutie Kľúčové slová Otázky Literatúra Internetové zdroje KOMERČNÉ BANKOVNÍCTVO Z histórie komerčného bankovníctva Peňažníctvo pred naším letopočtom Vývoj bankovníctva po vznik Československej republiky Vývoj bankovníctva od vzniku Československej republiky Legislatívne prostredie bankovníctva

3 Charakteristika bankových produktov Hlavné výkazy komerčnej banky Súvaha komerčných bánk Výkaz ziskov a strát komerčných bánk Ceny bankových produktov Členenie bankových produktov Členenie bankových produktov podľa vzťahu k bilancii banky Členenie bankových produktov podľa cieľových skupín klientov Vkladové operácie bánk Vklady na požiadanie Termínované vklady Úsporné vklady Depozitné certifikáty Bankové obligácie Ochrana vkladov klientov komerčných bánk Systémy ochrany vkladov v Európskej únii Ochrana vkladov na Slovensku Náhrada za nedostupné vklady Úverové operácie bánk Členenie úverov Peňažné úvery Záväzkové úvery Banková záruka Úverový proces Prípravná fáza úverového procesu Posudzovanie a schvaľovanie úverového obchodu Príprava a uzatvorenie zmluvnej dokumentácie Aktívny úverový vzťah Ukončenie úverového vzťahu Zabezpečovacie nástroje Zabezpečovacie nástroje na úvery Zmenky Mimobilančné obchody Investičné bankovníctvo Platobný styk Elektronické bankovníctvo Riziká v podnikaní komerčnej banky Všeobecná kategorizácia finančných rizík...259

4 Kapitálová primeranosť a bazilejské dohody Zhrnutie Kľúčové slová Otázky Literatúra Internetové zdroje Tlačené médiá Záver Resumé Literatúra

5 Content Prefac...3 Content...4 Obsah...8 List of Figures...12 List of Charts...14 List of Case Studies BANKS IN NATIONAL ECONOMY National Economy and Financial Institutions Functions of Financial System Role of Financial Intermediaries in National Economy Banking System Stock Market Broker Companies Asset Management Companies, Investment Companies Insurance and Assurance Corporations Pension Funds Other Financial Institutions in Financial Sector Creation of Single Market of Financial Services in European Union Genesis of Creation of Single Market of Financial Services in the European Union Aims and Parts of Action Plan of Financial Services Lamfalussy Legislative Proccess Future of Single Market of Financial Services in the European Union Working Programme of Committees 3L Financial Crisis A Factor Influencing Changes in Financial Systems Financial Crises in Economic Theory From Price Bubble of Mortgages to International Financial Crisis Can Intensity and Length of Actual Financial Crisis be Foreseen? Potential Influence of Financial Crisis on Real Economy...57 Conclusion...59 Questions...61 Literature...62 Internet Sources...63 Printed Sources

6 2. CENTRAL BANKING Emergence of Central Banks Functions of Central Bank National Bank of Slovakia Legal Base of National Bank of Slovakia Decision Making Bodies of National Bank of Slovakia Monetary Policy of National Bank of Slovakia Issuing of Banknotes and Coins by National Bank of Slovakia Regulation of Financial Market by National Bank of Slovakia Payment system and National Bank of Slovakia International Activities of National Bank of Slovakia Theoretical Aspects of Monetary Union in Europe Corner-stone of Optimum Currency Area Theory Present Stage of Optimum Currency Area Theory European System of Central Banks Time Schedule of Monetary Union Emergence in Europe Common Single Currency Euro Membership of Slovakia in the European Union and phases of Euroconversion Legal Base of European System of Central Banks Main and Suplementary Roles of Eurosystem Independence, Structure and Capital of European Central Bank Decision Making Bodies of European Central Bank Monetary Policy of European System of Central Banks Exchange Policy of European System of Central Banks Central Banking and Financial Stability Regulation of European National Financial Markets and their Supervision Supernational Regulation of European Financial Markets Regulation of Slovak Financial Market Conclusion Key Words Questions Literature Internet Sources COMMERCIAL BANKING From history of Commercial Banking Banking before our Era

7 Development of Banking before the Creation of Czechoslovak Republic Development of Banking after the Creation of Czechoslovak Republic Legislative Environment of Banking Characteristics of Banking Products Main Statements of Commercial Banks Balance Sheet of Commercial Banks Income Statement of Commercial Banks Price of Banking Products Segmentation of Banking Products Segmentation of Banking Products according to Balance Sheet Segmentation of Banking Products according to Targeted Groups of Clients Deposit Operations of Banks Counter Deposit Term Deposit Saving Deposit Certificate of Deposit Banking Bonds Protection of Client s Deposits in Commercial Banks Systems of Deposits Protection in the European Union Protection of Deposits in Slovakia Compensation for Inaccessible Deposits Credit Operations of Commercial Banks Segmentation of Credits Financial Credits Undertaking Credits Bank Pledge Process of Crediting Preparatory Phase of Process of Crediting Assessment and Approval of Credit Deal Preparation and Validation of Contract Documentation Active Credit Relationship Termination of Credit Relationship Assurance Instruments Assurance Instruments for Credits Bills of Exchange Off-Balance-Sheet Operations...243

8 Investment Banking Payment System Electronic Banking Risk in Business of Commercial Bank General Categorisation of Financial Risks Capital Adequacy ane Basel Agreements Conclusion Key Words Questions Literature Internet Sources Printed Sources Summary Záver Literature

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