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[{"key": "dc.contributor.advisor", "value": "Junttila, Juha", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Harhala, Samppa", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2017-11-21T18:30:29Z", "language": "", "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2017-11-21T18:30:29Z", "language": "", "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2017", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.other", "value": "oai:jykdok.linneanet.fi:1801897", "language": null, "element": "identifier", "qualifier": "other", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/55970", "language": "", "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "T\u00e4m\u00e4 tutkielma kokoaa yhteen pankkeja nykyisin velvoittavat p\u00e4\u00e4omien m\u00e4\u00e4r\u00e4\u00e4n ja maksuvalmiuteen sek\u00e4 rahoitukseen liittyv\u00e4t s\u00e4\u00e4ntelyt. Tutkielman tavoitteena on saada vastaus kysymykseen: Miten pankin tulee huomioida pankkis\u00e4\u00e4ntely p\u00e4\u00e4oman ja varainhankinnan rakenteessaan? Tutkielman alussa esitell\u00e4\u00e4n pankkitoimintaa yleisesti ja siihen liittyvi\u00e4 optimointiongelmia. Pankkien kannalta optimaalinen p\u00e4\u00e4omarakenne poikkeaa sosiaalisesti optimaalisesta ja t\u00e4t\u00e4 varten pankkis\u00e4\u00e4ntely\u00e4 tarvitaan. Optimaalisimman tason m\u00e4\u00e4rittely on haastavaa, mutta sen on arvioitu olevan 15-20 % tasolla. P\u00e4\u00e4omarakenteella on vaikutusta pankin tuottavuuteen ja menestymisen mahdollisuuksiin.\r\nPankkeja voidaan s\u00e4\u00e4nnell\u00e4 usealla eri osa-alueella, joista t\u00e4m\u00e4 tutkielma keskittyy vain p\u00e4\u00e4omaan liittyv\u00e4\u00e4n s\u00e4\u00e4ntelyyn. Tiukemman p\u00e4\u00e4omas\u00e4\u00e4ntelyn tukijat korostavat riskej\u00e4 ja tehottomuuksia, jotka johtuvat korkeammasta velkaantuneisuudesta ja viittaavat kriisin koviin kustannuksiin. Tiukemman s\u00e4\u00e4ntelyn vastustajat uskovat, ett\u00e4 korkeammat p\u00e4\u00e4omavaatimukset kasvattavat merkitt\u00e4v\u00e4sti rahoituksen v\u00e4lityksen kustannuksia ja hankaloittavat taloudellista aktiviteettia sek\u00e4 lis\u00e4\u00e4v\u00e4t j\u00e4rjestelm\u00e4riski\u00e4. P\u00e4\u00e4omavaatimuksia koskevat tutkimukset eiv\u00e4t ole havainneet p\u00e4\u00e4omas\u00e4\u00e4ntelyill\u00e4 olevan merkitt\u00e4vi\u00e4 haittavaikutuksia. Maksuvalmiusvaatimuksen ja pysyv\u00e4n varainhankinnan vaati-muksen on kuitenkin havaittu nostavan rahoituskustannuksia. IRBA-menetelmill\u00e4 pankit voivat pienent\u00e4\u00e4 riskipainotettujen erien m\u00e4\u00e4r\u00e4\u00e4 ja siten vaadittujen p\u00e4\u00e4omien m\u00e4\u00e4r\u00e4\u00e4.\r\nNykyisin t\u00e4ysin voimassaolevat vaatimukset ovat omia varoja edellytt\u00e4v\u00e4t p\u00e4\u00e4omavaatimukset ja likviditeetti\u00e4 turvaava maksuvalmiusvaatimus. Tulevia tai osittain k\u00e4yt\u00f6ss\u00e4 olevia vaatimuksia ovat v\u00e4himm\u00e4isomavaraisuusasteen vaatimus, pysyv\u00e4n varainhankinnan vaatimus ja TLAC- sek\u00e4 MREL-\r\nvaatimukset.\r\nTutkielman case-osassa perehdyt\u00e4\u00e4n er\u00e4\u00e4n suomalaisen pankin p\u00e4\u00e4omarakenteeseen ja pyrit\u00e4\u00e4n m\u00e4\u00e4rittelem\u00e4\u00e4n pankin p\u00e4\u00e4omastrategia ja pankkis\u00e4\u00e4ntely huomioiden pankille edullista p\u00e4\u00e4omaerien ja varainhankinnan rakennetta. T\u00e4m\u00e4n tukena on k\u00e4ytetty pankista saatuja sis\u00e4isi\u00e4 dokumentteja ja tilinp\u00e4\u00e4t\u00f6ksi\u00e4. Pankin tilanne suhteessa nykyisiin ja tuleviin vaatimuksiin on v\u00e4hint\u00e4\u00e4nkin hyv\u00e4, eik\u00e4 merkitt\u00e4vi\u00e4 suosituksia toimia suunnitellusta poikkeavasti voida t\u00e4m\u00e4n tutkielman perusteella antaa.\r\nTutkielman case-osan tueksi olisi jatkotutkimuksia teht\u00e4v\u00e4 ainakin katettujen joukkolainojen ja seniorilainojen hinnoitteluun liittyen, koska n\u00e4m\u00e4 tulevat oletettavasti olemaan jatkossa hyvin merkitt\u00e4v\u00e4t varainhankinnan er\u00e4t pankille.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted using Plone Publishing form by Samppa Harhala (saosharh) on 2017-11-21 18:30:29.023777. Form: Pro gradu -lomake (https://kirjasto.jyu.fi/julkaisut/julkaisulomakkeet/pro-gradu-lomake). JyX data: [jyx_publishing-allowed (fi) =True]", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija.group@korppi.jyu.fi) on 2017-11-21T18:30:29Z\r\nNo. of bitstreams: 2\r\nURN:NBN:fi:jyu-201711214327.pdf: 1119083 bytes, checksum: c97e24b57ba143034ccde6d30f3270e3 (MD5)\r\nlicense.html: 4845 bytes, checksum: 4d7109ed71be27f984e7a3e3575fbac6 (MD5)", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2017-11-21T18:30:29Z (GMT). No. of bitstreams: 2\r\nURN:NBN:fi:jyu-201711214327.pdf: 1119083 bytes, checksum: c97e24b57ba143034ccde6d30f3270e3 (MD5)\r\nlicense.html: 4845 bytes, checksum: 4d7109ed71be27f984e7a3e3575fbac6 (MD5)\r\n Previous issue date: 2017", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "1 verkkoaineisto (71 sivua)", "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": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.subject.other", "value": "pankkis\u00e4\u00e4ntely", "language": null, "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": 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