| fullrecord |
[{"key": "dc.contributor.advisor", "value": "Raatikainen, Juhani", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Kuisma, Anna-Maria", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2020-12-10T06:13:48Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2020-12-10T06:13:48Z", "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/123456789/73076", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Euroopan keskuspankin (EKP) teht\u00e4v\u00e4n\u00e4 on kansantalouden elvytys negatiivisen korkotason avulla, sill\u00e4 sen uskotaan lis\u00e4\u00e4v\u00e4n yritysten ja kuluttajien rahan k\u00e4ytt\u00f6\u00e4. Negatiivinen korkotaso on varjostanut eurooppalaisten pankkien kannattavuuden kest\u00e4vyytt\u00e4 jo vuodesta 2014. \nPankkien liiketoimintamallit vaihtelevat niiden koon, organisaation, maantieteellisen tavoitettavuuden ja toimintojen mukaan, siksi niiden toimintaperiaatekin on erilainen. Monet tutkimukset ovat osoittaneet, ett\u00e4 pankit pystyv\u00e4t sopeuttamaan toimintansa kannattavammaksi negatiivisen korkotason vallitessa ja pankin sopeutumiskyky riippuu paljon sen liiketoimintamallista kuten esimerkiksi koosta. \nAikaisempien tutkimusten mukaan negatiivinen korkotaso olisi sy\u00f6nyt pankkien kannattavuuden lukemia riippumatta pankin liiketoimintamallista. Pankit, joiden hallussa on paljon talletuksia, ovat k\u00e4rsineet suurimmat tappiot negatiivisten korkojen vallitessa. Kun kansantalouden riskisyys nousee, pankit keskittyv\u00e4t laskemaan toimintansa riskisyytt\u00e4 karsimalla markkinoilta otettavaa varallisuutta. Mit\u00e4 enemm\u00e4n pankki ottaa lyhytaikaista velkaa, sit\u00e4 korkeammaksi sen riskipitoisuus nousee ja samalla pankin korkokate supistuu. \n Tutkimusmenetelmin\u00e4 k\u00e4ytet\u00e4\u00e4n kirjallisuuskatsausta ja empiirist\u00e4 tutkimusta, jossa muodostetaan regressioanalyysi mallintamaan kannattavuuden tunnuslukuja. Tutkimus toteutetaan uudestaan ryhm\u00e4muuttujat huomioiden, jotta saadaan selville, miten eri kokoluokan pankit kokivat negatiivisen korkotason haasteet osana toimintastrategiaansa. \nEmpiirisen osuuden tulokset ovat linjassa aiemmin suoritettujen tutkimusten kanssa, sill\u00e4 molemmista voidaan todeta, ett\u00e4 mit\u00e4 suurempi pankki on kyseess\u00e4, sit\u00e4 todenn\u00e4k\u00f6isemmin voi pankki yll\u00e4pit\u00e4\u00e4 kannattavuuden lukemiaan monipuolisemman luotonannon ja kattavampien suojaustoimenpiteiden avulla.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2020-12-10T06:13:48Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2020-12-10T06:13:48Z (GMT). No. of bitstreams: 0\n Previous issue date: 2020", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "52", "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": "negatiivinen korko", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.subject.other", "value": "korkokate", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Negatiivisen korkotason vaikutus pankkien kannattavuuteen Euroopassa", "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-202012107016", "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": "openAccess", "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": "kannattavuus", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "korko", "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": "rahapolitiikka", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "talletukset", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "korkopolitiikka", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "liiketoimintamallit", "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.type.okm", "value": "G2", "language": null, "element": "type", "qualifier": "okm", "schema": "dc"}]
|