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[{"key": "dc.contributor.advisor", "value": "Heimonen, Kari", "language": "", "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "J\u00e4\u00e4skel\u00e4inen, Henna", "language": "", "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2023-06-27T05:04:15Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2023-06-27T05:04:15Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2023", "language": "", "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/88072", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Rahoitusvakauden rooli taloudessa ymm\u00e4rrettiin erityisesti maailmanlaajuisen finanssikriisin my\u00f6t\u00e4. Rahoitusvakautta tavoitellaan makrovakauspolitiikan avulla, jonka k\u00e4ytt\u00f6\u00e4 laajennettiin finanssikriisin seurauksena. Makrovakauspolitiikan tavoite onkin est\u00e4\u00e4 mahdollisten talouskriisien syntyminen, ja vaimentaa niiden vaikutuksia talouteen.\n\nMakrovakauspolitiikan v\u00e4lineet voidaan jakaa kahteen osaan: kysynt\u00e4perusteisiin ja rahoituslaitoksiin kohdistettuihin. Kysynt\u00e4perusteisill\u00e4 v\u00e4lineill\u00e4 pyrit\u00e4\u00e4n vaikuttamaan nimenomaan lainan kysynt\u00e4\u00e4n, joista esimerkkin\u00e4 enimm\u00e4isluototussuhde ja velan suhde vuosituloihin. Rahoituslaitoksiin kohdistettuihin v\u00e4lineisiin kuuluvat esimerkiksi pankeille asetetut p\u00e4\u00e4omapuskurit sek\u00e4 rahoitusj\u00e4rjestelm\u00e4n kannalta merkitt\u00e4v\u00e4ksi luokitelluille luottolaitoksille asetetut p\u00e4\u00e4omavaatimukset. Rahoitusj\u00e4rjestelm\u00e4n toiminnan kannalta luotonantamisen jatkuvuudella ja hallinnalla on t\u00e4rke\u00e4 rooli.\n\nT\u00e4ss\u00e4 tutkielmassa tarkastellaan rahoituslaitoksiin kohdistetun makrovakauspolitiikan vaikutusta pankkien luotonantoon. Aineisto sis\u00e4lsi havaintoja 916 pankista 20 euromaasta vuosilta 2005-2022. Estimoinnissa tutkitaan politiikan vaikutusta erilaisten pankkien luotonantoon erilaisten pankkien ominaisuuksien perusteella. Tarkasteltavia ominaisuuksia pankeissa ovat suuri koko, alhainen p\u00e4\u00e4oma, korkea haavoittuvuus ja muiden kuin korkotulojen suuri osuus.\n\nMakrovakauspolitiikan vaikutukset luotonantoon olivat tilastollisesti merkitsevi\u00e4 vain niiden pankkien osalta, joiden lainanannon rahoitus on markkinaperusteista. Tulosten perusteella rahoituslaitoksiin kohdistettu makrovakauspolitiikka ei hillitse lainanantoa merkitt\u00e4v\u00e4sti. Tulos on osaltaan linjassa Andrie\u015f ym. (2022) tutkimuksen kanssa, jossa havaittiin kysynt\u00e4perusteisien v\u00e4lineiden olevan tehokkaampia v\u00e4lineit\u00e4 pankkien luotonantoon vaikuttamisessa. Lopulta voidaan ehdottaa, ett\u00e4 kaikista tehokkain keino olisi k\u00e4ytt\u00e4\u00e4 kysynt\u00e4perusteisia ja rahoituslaitoksiin kohdistettuja v\u00e4lineit\u00e4 yhdess\u00e4, ja r\u00e4\u00e4t\u00e4l\u00f6ityn\u00e4 kullekin maalle sopivaksi.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by Miia Hakanen (mihakane@jyu.fi) on 2023-06-27T05:04:15Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2023-06-27T05:04:15Z (GMT). No. of bitstreams: 0\n Previous issue date: 2023", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "50", "language": "", "element": "format", "qualifier": "extent", "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": "Makrovakauspolitiikan vaikutukset luotonantoon", "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-202306274133", "language": "", "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Master\u2019s thesis", "language": "en", "element": "type", "qualifier": "ontasot", "schema": "dc"}, {"key": "dc.type.ontasot", "value": "Pro gradu -tutkielma", "language": "fi", "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.copyright", "value": "\u00a9 The Author(s)", "language": null, "element": "rights", "qualifier": "copyright", "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": "rahoitusmarkkinat", "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": "luotonanto", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.subject.yso", "value": "finanssikriisit", "language": null, "element": "subject", "qualifier": "yso", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://rightsstatements.org/page/InC/1.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}]
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