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[{"key": "dc.contributor.advisor", "value": "Junttila, Juha", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Lehtonen, Olli", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2021-05-21T11:04:17Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2021-05-21T11:04:17Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2021", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/75848", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "T\u00e4m\u00e4 tutkielma k\u00e4sittelee pankkien kannattavuutta nollakorkojen ja negatiivisten korkojen aikana, joka on jatkunut noin viimeiset kymmenen vuotta. Pankkien kannattavuus nollakorkojen aikana on yksi kuumimmista puheenaiheista taloustieteellisess\u00e4 tutkimuksessa ja t\u00e4m\u00e4 ty\u00f6 kokoaa yhteen asiasta tehdyt tutkimukset. Tutkimus vastaa kysymyksiin siit\u00e4, miten keskuspankkien harjoittama poikkeuksellinen rahapolitiikka on vaikuttanut pankkien kannattavuuteen ja mit\u00e4 muutoksia tilanne on aiheuttanut pankkien toiminnassa? T\u00e4m\u00e4 tutkielma tukee pankkien kannattavuudesta tehtyj\u00e4 tutkimuksia pohjautuen aikaisempaan kirjallisuuteen pankkien kannattavuudesta ja niist\u00e4 tekij\u00f6ist\u00e4, joista pankkien kannattavuus rakentuu. T\u00e4m\u00e4 ty\u00f6 on tehty kirjallisuuskatsauksena, joka kokoaa yhteen laajan m\u00e4\u00e4r\u00e4n aikaisemmin tehtyj\u00e4 tutkimuksia ja n\u00e4iden tutkimuksien perusteella vet\u00e4\u00e4 yhteen nykyisen korkotason vaikutukset pankkien kannattavuuteen. Negatiiviset korot ovat vaikuttaneet vasta lyhyen ajan, joten t\u00e4h\u00e4nastiset tutkimukset kertovat lyhyen aikav\u00e4lin vaikutuksista. Tutkielmassa havaittiin pankkien pystyneen s\u00e4ilytt\u00e4m\u00e4\u00e4n lyhyen aikav\u00e4lin kannattavuuden osaltaan hy\u00f6dynt\u00e4m\u00e4ll\u00e4 negatiivisia korkoja toiminnan rahoittamisessa ja toisaalta ker\u00e4\u00e4m\u00e4\u00e4n lis\u00e4tuloja muilla aktiviteeteilla kuin korkotuloilla. Osa pankeista on voinut parantuneen luottokannan seurauksena purkaa luottotappiovarauksia, joiden avulla on saatu lyhyell\u00e4 aikav\u00e4lill\u00e4 s\u00e4ilytetty\u00e4 kannattavuutta. Pidemp\u00e4\u00e4n jatkuessa eritt\u00e4in matalat korot saattavat aiheuttaa pankeissa liiketomintamallien muutoksia. Lukijalle t\u00e4m\u00e4 ty\u00f6 tarjoaa katsauksen eritt\u00e4in matalien korkojen t\u00e4h\u00e4nastisista vaikutuksista ja toimii hyv\u00e4n\u00e4 pohjana tuleville tutkimuksille esimerkiksi pidemm\u00e4n aikav\u00e4lin vaikutusten seurantaan.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Paivi Vuorio (paelvuor@jyu.fi) on 2021-05-21T11:04:17Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2021-05-21T11:04:17Z (GMT). No. of bitstreams: 0\n Previous issue date: 2021", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "51", "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": "negatiiviset korot", "language": "", "element": "subject", "qualifier": "other", "schema": "dc"}, {"key": "dc.title", "value": "Pankkien kannattavuus nollakorkoaikana viimeisimm\u00e4n vuonna 2007 alkaneen finanssikriisin j\u00e4lkeen", "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-202105213108", "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": "rahapolitiikka", "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": "talous", "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": "finanssikriisit", "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"}]
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