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[{"key": "dc.contributor.advisor", "value": "Junttila, Juha", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Nurmela, Juho", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2020-05-27T06:40:30Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2020-05-27T06:40:30Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2020", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/69245", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Tutkielmassa tarkastellaan pankkis\u00e4\u00e4ntely\u00e4 ja sen kiristymist\u00e4 sek\u00e4 kiristymisen vaikutusta pankkien p\u00e4\u00e4omarakenteisiin ja likviditeettiin. Vuosien 2007\u20132009 finanssikriisi oli koko maailmantalouden suurin kriisi suurten lamavuosien j\u00e4lkeen ja sen my\u00f6t\u00e4 huoli pankkien vakavaraisuudesta lis\u00e4\u00e4ntyi. Pankkien konkurssien ehk\u00e4isemiseksi on Kansainv\u00e4lisen j\u00e4rjestelypankki BIS:n yhteydess\u00e4 toimiva Baselin pankkivalvontakomitea (Basel Committee on Banking Supervision) luonut ja kehitt\u00e4nyt pankkeja koskevia vakavaraisuuss\u00e4\u00e4nn\u00f6ksi\u00e4 laatimalla kolme kansainv\u00e4list\u00e4 pankkien vakavaraisuusvaatimusta eli Basel-s\u00e4\u00e4nn\u00f6kset: Basel I, II ja III. Basel I ja II on laadittu ennen finanssikriisi\u00e4 ja Basel III finanssikriisin seurauksena. Finanssikriisin my\u00f6t\u00e4 yhten\u00e4inen eurooppalainen s\u00e4\u00e4ntely ja valvonta ovat lis\u00e4\u00e4ntyneet. Vaikka kaikkia Basel III -s\u00e4\u00e4nn\u00f6ksi\u00e4 ei edes ollut viel\u00e4 otettu k\u00e4ytt\u00f6\u00f6n, oli tekeill\u00e4 jo uusi \u201dBasel IV\u201d -s\u00e4\u00e4nn\u00f6st\u00f6. \n\nTutkielman teoriaosassa keskityt\u00e4\u00e4n pankkien s\u00e4\u00e4ntelyyn, sen kiristymiseen ja vaikutukseen pankkien p\u00e4\u00e4omarakenteeseen ja likviditeettiin erityisesti Basel III -s\u00e4\u00e4nn\u00f6st\u00f6n mukanaan tuoman kiristymisen kautta. Kirjallisuudessa olevat tutkimustulokset ovat ristiriitaisia. Joidenkin mukaan s\u00e4\u00e4ntely vaikuttaa positiivisesti ja joidenkin mukaan negatiivisesti pankkien toimintaan. \n\nTutkielman case-osassa perehdyt\u00e4\u00e4n kahden etel\u00e4pohjalaisen pankin p\u00e4\u00e4omarakenteeseen ja likviditeettiin yli kymmenen vuoden tilinp\u00e4\u00e4t\u00f6stietojen ja asiantuntijoilta saatujen vastausten perusteella. Tilinp\u00e4\u00e4t\u00f6stietoja tutkitaan vuodesta 2005 vuoteen 2018. Tutkimuksessa on tarkasteltu, kuinka pankkis\u00e4\u00e4ntely on kiristynyt ja kuinka kiristyminen on vaikuttanut pankkien p\u00e4\u00e4omarakenteisiin ja likviditeetteihin. \n\nCase-pankkien vakavaraisuuden voidaan niin tilinp\u00e4\u00e4t\u00f6stietojen kuin asiantuntijoiden lausuntojen perusteella todeta olleen korkealla vuosien 2005 ja 2018 v\u00e4lill\u00e4 eik\u00e4 pankkis\u00e4\u00e4ntelyn mukanaan tuomat p\u00e4\u00e4oma- ja likviditeettivaatimukset ole vaikuttanut merkitt\u00e4v\u00e4sti niiden p\u00e4\u00e4omarakenteisiin eik\u00e4 likviditeetteihin. Suupohjan Osuuspankissa aiempi instrumentti \u201dlis\u00e4osuusp\u00e4\u00e4oma\u201d on menett\u00e4m\u00e4ss\u00e4 asemaansa ja tilalle on kehitetty uusi instrumentti POP osuus. Vakavaraisuusvaatimukset eiv\u00e4t n\u00e4ill\u00e4 n\u00e4kymin ole case-pankeissa suuresti vaikuttamassa niiden p\u00e4\u00e4oma- ja likviditeettitilanteeseen, koska vakavaraisuusp\u00e4\u00e4oma on varsin hyv\u00e4ll\u00e4 tasolla.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2020-05-27T06:40:30Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2020-05-27T06:40:30Z (GMT). No. of bitstreams: 0\n Previous issue date: 2020", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "79", "language": "", "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": "Basel I", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Basel II", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "Basel III", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "pankkis\u00e4\u00e4ntely", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "p\u00e4\u00e4omarakenne", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Pankkis\u00e4\u00e4ntelyn kiristymisen vaikutus p\u00e4\u00e4omarakenteeseen ja likviditeettiin", "language": "", "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-202005273497", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "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.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Taloustieteet", "language": "fi", "element": "contributor", "qualifier": "department", "schema": "dc"}, {"key": "dc.contributor.department", "value": "Business and Economics", "language": "en", "element": "contributor", "qualifier": "department", "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": "Taloustiede", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "yvv.contractresearch.funding", "value": "0", "language": "", "element": "contractresearch", "qualifier": "funding", "schema": "yvv"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "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.subject.oppiainekoodi", "value": "2041", "language": "", "element": "subject", "qualifier": "oppiainekoodi", "schema": "dc"}, {"key": "dc.subject.yso", "value": "maksuvalmius", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "pankit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "s\u00e4\u00e4ntely", "language": null, "element": "subject", "qualifier": "yso", "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": "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).", "language": "en", "element": "rights", "qualifier": "accessrights", "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..", "language": "fi", "element": "rights", "qualifier": "accessrights", "schema": "dc"}, {"key": "dc.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
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