Język Polski
English
Fala kryzysowa w systemach bankowych USA i Szwajcarii w marcu 2023 roku
https://doi.org/10.26354/bb.5.2.91.2023
Abstrakt
Celem artykułu jest przedstawienie genezy oraz przebiegu kryzysu płynności w marcu 2023 r., jaki dotknął amerykańskie banki świadczące usługi podmiotom operującym na rynku nowoczesnych technologii, i który następnie objął szwajcarski bank Credit Suisse. W artykule przedstawiono charakterystykę banków oraz działania podjęte przez organy safety net, w tym opis nowych rozwiązań płynnościowych wypracowanych w celu rozwiązania problemu. Wraz z nieustannym rozwojem gospodarki i pojawianiem się w niej nowych, nierozpoznanych jeszcze w pełni obszarów prowadzenia pozabankowej działalności gospodarczej, jak np. obrót aktywami cyfrowymi, powstają w nich odrębne ryzyka, których materializacja może nieoczekiwanie przeniknąć przez granice systemu bankowego, i przez run na depozyty wykreować zagrożenie dla stabilności finansowej. Silnym katalizatorem takich zjawisk są elektroniczne środki komunikacji i media społecznościowe. Doświadczenia z marca 2023 r. wskazują, że ostatecznie stabilizację systemu gwarantuje bank centralny, a fiscal backstop dla nadzwyczajnego wsparcia płynnościowego nie powinien być ograniczany zbędnymi warunkami.
Słowa kluczowe:
bank centralny , płynność , ryzyko płynności , nadzwyczajne wsparcie płynnościowe , ELA , run na depozyty , restrukturyzacja , resolutionKody JEL
E58, E63, G01, G18, G21, G28, G33, H12, H32, H81, K23Pobierz pliki
Zasady cytowania
Licencja
Utwór dostępny jest na licencji Creative Commons Uznanie autorstwa – Użycie niekomercyjne – Na tych samych warunkach 4.0 Międzynarodowe.
Inne teksty tego samego autora
- Magdalena Kozińska, Jarosław Michalewicz, Beata Zdanowicz, W poszukiwaniu sposobów finansowania płynności banku w przymusowej restrukturyzacji , Bezpieczny Bank: Tom 82 Nr 1 (2021)
- Anna Dobrzańska, Jarosław Michalewicz, Pokryzysowe regulacje w zakresie systemowo ważnych banków. Koniec problemu TBTF? , Bezpieczny Bank: Tom 66 Nr 1 (2017)
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Jarosław Michalewicz
jaroslaw.michalewicz@gmail.comhttps://orcid.org/0000-0002-8846-3442
Tom 91 Nr 2 (2023)
Opublikowane: 2023-07-31
10.26354
Utwór dostępny jest na licencji Creative Commons Uznanie autorstwa – Użycie niekomercyjne – Na tych samych warunkach 4.0 Międzynarodowe.