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[{"key": "dc.contributor.advisor", "value": "Pehkonen, Jaakko", "language": null, "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Lepp\u00e4nen, Aurelia", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2025-04-02T13:11:09Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2025-04-02T13:11:09Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2025", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/101199", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Kotitalouksille my\u00f6nnettyjen lainojen j\u00e4rjest\u00e4m\u00e4tt\u00f6myyden (non-performing loan, NPL) suhteen kasvun takana on tunnistetusti velallisten heikentynyt maksukyky. Kotitalouksien velkaantumisaste on kasvanut Suomessa pitk\u00e4\u00e4n ja vaikka velan taso itsess\u00e4\u00e4n ei johda velanhoito-ongelmiin niin yhdistettyn\u00e4 ulkoisiin shokkeihin riski maksukyvytt\u00f6myyteen voi kas-vaa. Taloustieteen teoriat tunnistavat velkaantumisen osana elinkaaren aikaista kulutuksen optimointia ja aikaep\u00e4johdonmukaisuuden ylivelkaantumisen selitt\u00e4j\u00e4n\u00e4. Makrotalouden ilmi\u00f6iden lis\u00e4ksi my\u00f6s kuluttajak\u00e4ytt\u00e4ytymisen, kuten impulsiivisuuden ja taloudellisen lukutaidon on havaittu selitt\u00e4v\u00e4n taloudellisia vaikeuksia, jotka taas voivat johtaa velan siirtymiseen j\u00e4rjest\u00e4m\u00e4tt\u00f6m\u00e4ksi. \nS\u00e4\u00e4ntely velvoittaa pankkeja ehk\u00e4isem\u00e4\u00e4n luottoriski\u00e4. Finanssivalvonnan m\u00e4\u00e4r\u00e4yksen mukaan valvottavalla rahalaitoksella tulee olla m\u00e4\u00e4riteltyn\u00e4 keinot tunnistaa ongelma-asiakkaat ennen maksukyvytt\u00f6m\u00e4ksi p\u00e4\u00e4tymist\u00e4 ja se suosittaa ennakkovaroitusj\u00e4rjestelm\u00e4n k\u00e4ytt\u00f6\u00e4. Ennakkovaroitusj\u00e4rjestelm\u00e4ss\u00e4 pyrit\u00e4\u00e4n tunnistamaan ongelma-asiakkaat ja velanhoitokyvyn heikkenemisen mahdollisimman varhaisessa vaiheessa. Toimihenkil\u00f6t tekev\u00e4t arvion velallisen taloudellisesta tilanteesta ehk\u00e4ist\u00e4kseen vastuiden p\u00e4\u00e4tymist\u00e4 j\u00e4rjest\u00e4m\u00e4tt\u00f6m\u00e4ksi hy\u00f6dynt\u00e4en ennakkovaroitusj\u00e4rjestelm\u00e4n ker\u00e4\u00e4m\u00e4\u00e4 dataa sek\u00e4 asiantuntijuuttaan. \nEmpiirisess\u00e4 analyysiss\u00e4 hy\u00f6dynnet\u00e4\u00e4n aineistoa v\u00e4hitt\u00e4ispankin ennakkoj\u00e4rjestelm\u00e4ss\u00e4 toimihenkil\u00f6ty\u00f6n\u00e4 tehdyist\u00e4 arvioista. Ennakkovaroitusj\u00e4rjestelm\u00e4ss\u00e4 tapaukset tulevat arvioiduksi eri taloudellisen tilanteen kategorioihin. Analyysin perusteella arvion lopputulemaa selitt\u00e4\u00e4 havaittujen indikaattoreiden ja arviointitapauksen taustalla olevan syyn lis\u00e4ksi mahdollisesti my\u00f6s tapauksen arvioinut toimihenkil\u00f6 ja toimihenkil\u00f6n osaamisen taso.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija.group@korppi.jyu.fi) on 2025-04-02T13:11:09Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2025-04-02T13:11:09Z (GMT). No. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "70", "language": null, "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "In Copyright", "language": null, "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.title", "value": "Ennakkovaroitusj\u00e4rjestelm\u00e4 ja toimihenkil\u00f6ty\u00f6 ongelmalainojen tunnistamisen ty\u00f6kaluina", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202504023032", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Taloustieteen maisteriohjelma", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Master's Degree Programme in Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.copyright", "value": "\u00a9 The Author(s)", "language": null, "element": "rights", "qualifier": "copyright", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "restrictedAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "Tekij\u00e4 ei ole antanut lupaa avoimeen julkaisuun, joten aineisto on luettavissa vain Jyv\u00e4skyl\u00e4n yliopiston kirjaston arkistoty\u00f6semalta. Ks. https://kirjasto.jyu.fi/fi/tyoskentelytilat/laitteet-ja-tilat#autotoc-item-autotoc-2.", "language": "fi", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.rights.accessrights", "value": "The author has not given permission to make the work publicly available electronically. Therefore the material can be read only at the archival workstation at Jyv\u00e4skyl\u00e4 University Library (https://kirjasto.jyu.fi/en/workspaces/facilities/facilities#autotoc-item-autotoc-2).", "language": "en", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.description.accessibilityfeature", "value": "unknown accessibility", "language": "en", "element": "description", "qualifier": "accessibilityfeature", "schema": "dc"}, {"key": "dc.description.accessibilityfeature", "value": "ei tietoa saavutettavuudesta", "language": "fi", "element": "description", "qualifier": "accessibilityfeature", "schema": "dc"}]
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