{"id":10360,"date":"2023-02-21T13:53:46","date_gmt":"2023-02-21T12:53:46","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=10360"},"modified":"2024-05-13T14:57:43","modified_gmt":"2024-05-13T12:57:43","slug":"uverove-riziko","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/uverove-riziko\/","title":{"rendered":"\u00daverov\u00e9 riziko"},"content":{"rendered":"<p>\u00daverov\u00e9 riziko je najv\u00fdznamnej\u0161\u00edm a najv\u00e4\u010d\u0161\u00edm rizikom pre komer\u010dn\u00e9 banky aj napriek skuto\u010dnosti, \u017ee je dhodobo zn\u00e1me a banky maj\u00fa s jeho riaden\u00edm najv\u00e4\u010d\u0161ie sk\u00fasenosti. \u00daverov\u00e9 riziko definujeme ako riziko, \u017ee protistrana v\u010das a v plnej v\u00fd\u0161ke nevr\u00e1ti po\u017ei\u010dan\u00e9 peniaze. V\u00fd\u0161ka \u00faverov\u00e9ho rizika je determinovan\u00e1 schopnos\u0165ou a ochotou strany dodr\u017ea\u0165 svoje pe\u0148a\u017en\u00e9 z\u00e1v\u00e4zky vo\u010di banke. (Belas, 2013)<\/p>\n<h2>Met\u00f3dy riadenia \u00faverov\u00e9ho rizika<\/h2>\n<p>Pri riaden\u00ed \u00faverov\u00e9ho rizika vyu\u017e\u00edva komern\u010d\u00e1 banka cel\u00fa \u0161k\u00e1lu met\u00f3d a postupov. V zmysle regula\u010dn\u00fdch pravidiel \u0161tatut\u00e1rny org\u00e1n banky schva\u013euje strat\u00e9giu a syst\u00e9m riadenia \u00faverov\u00e9ho rizika, banka rob\u00ed komplexn\u00e9 preverovanie bonity klienta prostredn\u00edctvom finan\u010dnej anal\u00fdzy. Banka je povinn\u00e1 vytvori\u0165 vhodn\u00fd syst\u00e9m uzatv\u00e1rania \u00faverov\u00fdch obchodov a vypracova\u0165 vn\u00fatorn\u00e9 normy pre oblas\u0165 riadenia \u00faverov\u00e9ho rizika. Syst\u00e9m merania \u00faverov\u00e9ho rizika v banke mus\u00ed odpoveda\u0165 rozsahu a zlo\u017eitosti \u010dinnosti banky a m\u00e1 zaisti\u0165 meranie rizika vo v\u0161etk\u00fdch \u010dinnostiach banky, zaznamena\u0165 v\u0161etky.<\/p>\n<h2>Defin\u00edcia \u00faverov\u00e9ho rizika<\/h2>\n<p>\u00daverov\u00e9 riziko charakterizuje mo\u017enos\u0165, \u017ee dl\u017en\u00edk nebude schopn\u00fd na\u010das alebo dokonca v\u00f4bec plni\u0165 povinnosti vypl\u00fdvaj\u00face z \u00faverov\u00e9ho vz\u0165ahu k verite\u013eovi. Predstavuje riziko mo\u017en\u00e9ho zlyhania zmluvn\u00e9ho partnera, ktor\u00e9 vedie k nedodr\u017eaniu obsahu zmluvy a t\u00fdm p\u00e1dom k finan\u010dn\u00fdm strat\u00e1m protistrany. Jeho forma m\u00f4\u017ee by\u0165 priameho \u00faverov\u00e9ho rizika, rizika ekvivalenkov, vysporiadacieho rizika alebo rizika \u00faverovej anga\u017eovanosti.<br \/>\n\u00daverov\u00e9 alebo kreditn\u00e9 riziko je mo\u017en\u00e9 definova\u0165 ako riziko nesplatenia z\u00e1v\u00e4zkov zo strany dl\u017en\u00edka v celkovej v\u00fd\u0161ke a v term\u00edne, v ktorom bola jeho splatnos\u0165 za vopred dohodnut\u00fdch podmienok. \u201e<em>Tak\u00e9to z\u00e1v\u00e4zky vznikaj\u00fa z \u00faverov\u00fdch aktiv\u00edt, obchodn\u00fdch a investi\u010dn\u00fdch aktiv\u00edt, z platobn\u00e9ho styku a vysporiadania cenn\u00fdch papierov pri obchodovan\u00ed na vlastn\u00fd aj cudz\u00ed \u00fa\u010det.\u201c (<\/em>Bel\u00e1s, Demjan,2009. str. 86)Pr\u00ed\u010diny, ktor\u00e9 vpl\u00fdvaj\u00fa na vznik \u00faverov\u00e9ho (kreditov\u00e9ho) rizika sa rozde\u013euj\u00fa na:<\/p>\n<ul>\n<li>Intern\u00e9 pr\u00ed\u010diny, ktor\u00e9 sa vz\u0165ahuj\u00fa na vlastn\u00e9 rozhodnutie banky<\/li>\n<li>Extern\u00e9 pr\u00ed\u010diny, ktor\u00e9 s\u00fa zadan\u00e9 v\u00fdvojom ekonomickej ako aj politickej situ\u00e1cie v danej krajine. (Revenda, 2005)<\/li>\n<\/ul>\n<h2>Bonita<\/h2>\n<p>Najd\u00f4le\u017eitej\u0161ie je v r\u00e1mci n\u00e1vratnosti finan\u010dn\u00fdch prostriedkov z poh\u013eadu zachovania stability banky hlavne sledova\u0165 d\u00f4veryhodnos\u0165 klientov a z\u00edskavanie bonitn\u00fdch zabezpe\u010den\u00ed, ale aj extern\u00e9 faktory na trhoch maj\u00fa vplyv na stabilitu a v\u00fdnosovos\u0165 banky ako podnikate\u013esk\u00e9ho subjektu. Pri tomto riziku je ve\u013emi d\u00f4le\u017eit\u00e1 anal\u00fdza klientov, korpor\u00e1tnych ako aj retailov\u00fdch, predt\u00fdm ako im banka poskytne <a href=\"https:\/\/www.euroekonom.sk\/financie\/bankovnictvo-a-banky\/typy-uverov\/\">\u00faver<\/a>, alebo s nimi uzatvor\u00ed in\u00fd obchod, kde by mohla by\u0165 ohrozen\u00e1 n\u00e1vratnos\u0165 finan\u010dn\u00fdch prostriedkov. Ka\u017ed\u00e1 banka m\u00e1 vo svojom portf\u00f3liu klientov, ktor\u00ed spl\u00e1caj\u00fa svoje z\u00e1v\u00e4zky v\u010das a poriadne, ale n\u00e1jdu sa aj v\u00fdnimky, ktor\u00ed spl\u00e1caj\u00fa neskoro a s ob\u0161trukciami, ak v\u0161ak klient spl\u00e1ca svoje minim\u00e1lne z\u00e1v\u00e4zky v\u010das predpoklad\u00e1 sa, \u017ee v tomto trende bude pokra\u010dova\u0165 aj v bud\u00facnosti.<\/p>\n<h2>Meranie kreditn\u00e9ho \u2013 \u00faverov\u00e9ho rizika<\/h2>\n<p>Meranie kreditn\u00e9ho rizika pre\u0161lo viacer\u00fdmi v\u00fdvojov\u00fdmi f\u00e1zami a je podmienen\u00e9 hlavne t\u00fdm, aby bolo mo\u017en\u00e9 aplokova\u0165 sofistikovanej\u0161ie met\u00f3dy merania riz\u00edk a u\u013aah\u010denie proced\u00fary riadenia riz\u00edk, Jednotliv\u00e9 pr\u00edstupy k meraniu kreditn\u00e9ho rizika je mo\u017en\u00e9 charakterizova\u0165 nasledovne:<\/p>\n<ul>\n<li>Met\u00f3da odhadu rizika pomocou nomin\u00e1lnych expoz\u00edci\u00ed,<\/li>\n<li>Intern\u00e9, extern\u00e9 syst\u00e9my stanovenia raitngov,<\/li>\n<li>Rizikovo v\u00e1\u017een\u00e1 anal\u00fdza expoz\u00edci\u00ed, \u010di\u017ee ka\u017edej rizikovej triede akt\u00edva je priraden\u00e1 rizikov\u00e1 v\u00e1ha,<\/li>\n<li>Modely merania kreditn\u00e9ho rizika a na z\u00e1klade nich spr\u00e1vne odhadnutie kapit\u00e1lovej po\u017eiadavky.<\/li>\n<\/ul>\n<h2>Merane rizika defaultu<\/h2>\n<p>D\u00f4le\u017eitou s\u00fa\u0161as\u0165ou merania kreditn\u00e9ho rizika je aj merane rizika defaultu, \u010do vyjadruje pravdepodobnos\u0165 zlyhania protistrany v ur\u010ditom \u010dase, ak pr\u00edde k tak\u00e9muto zlyhaniu, re\u00e1lna strata je vyjadren\u00e1 ako kombin\u00e1cia objemu expoz\u00edcie v defaulte a objem straty zo stavu defaultu. Je mo\u017en\u00e9 ho mera\u0165 dvoma sp\u00f4sobmi ako :<\/p>\n<ul>\n<li>Met\u00f3du zalo\u017een\u00fa na \u201e objekt\u00edvnom\u201c odhade miery pravdepodobnoszi defaultu,<\/li>\n<li>Met\u00f3du zalo\u017een\u00fa na trhovej hodnote, ktor\u00e1 vypl\u00fdva z trhovej hodnoty dlhu, akci\u00ed alebo finan\u010dn\u00fdch derov\u00e1toch. (Siv\u00e1k ,2009)<\/li>\n<\/ul>\n<h2>Trvanie \u00faverov\u00e9ho rizika<\/h2>\n<p>Trvanie \u00faverov\u00e9ho rizika je po\u010das celej doby splatnosti kontraktu a jeho ve\u013ekos\u0165 rastie \u00famerne s d\u013a\u017ekou \u00faverov\u00e9ho vz\u0165ahu. Pri\u010dom jeho ve\u013ekos\u0165 je dan\u00e1 predov\u0161etk\u00fdm :<\/p>\n<ul>\n<li>Schopnos\u0165ou a ochotou protistrany splati\u0165 svoje z\u00e1v\u00e4zky,<\/li>\n<li>Nomin\u00e1lnou hodnotou transakcie,<\/li>\n<li>Druhom transakcie \u2013 posia\u013e \u010do pri \u00faverov\u00fdch kontraktoch predstavuje \u00faverov\u00e9 riziko cel\u00fa nomin\u00e1lnu hodnotu transakcie, u in\u00fdch transakci\u00ed, ktor\u00fdmi s\u00fa napr. \u00faverov\u00e9 deriv\u00e1ty, je rizoko podstatne men\u0161ie a obmedzuje sa na rozdiel medzi dohodnutou cenou a cenou n\u00e1hradn\u00e9ho obchodu. (Babou\u010dek, 2005) <\/li>\n<\/ul>\n<h2>Rozdelenie kreditn\u00e9ho \u2013 \u00faverov\u00e9ho rizika<\/h2>\n<p>Je podstatn\u00e9 rozli\u0161ova\u0165 <a href=\"https:\/\/www.euroekonom.sk\/financie\/financne-investovanie\/vynos-riziko-likvidita\/\">nesystematick\u00e9 a systematick\u00e9 riziko<\/a> samozrejme aj inherentn\u00e9 riziko finan\u010dn\u00fdch n\u00e1strojov od rizika protistrany.<\/p>\n<ul>\n<li>Systematick\u00e9 riziko \u2013 spo\u010d\u00edva v neistote z toho, \u010di nenastan\u00fa v\u00fdznamn\u00e9 makroekonomick\u00e9 zmeny, ktor\u00e9 by mohli nepriaznivo ovplyvni\u0165 ur\u010dit\u00e9 odvetvie, \u0161t\u00e1t alebo oblas\u0165.<\/li>\n<li>Nesystematick\u00e9 riziko \u2013 t\u00fdka sa finan\u010dnej situ\u00e1cie konkr\u00e9tneho dl\u017en\u00edka.<\/li>\n<\/ul>\n<h3>Inherentn\u00e9 riziko<\/h3>\n<p>Do inherentn\u00e9ho rizika finan\u010dn\u00fdch n\u00e1strojov sa zah\u0155\u0148a:<\/p>\n<ul>\n<li>Priame \u00faverov\u00e9 riziko, to spo\u010d\u00edva v neistote, \u010di bude poh\u013ead\u00e1vka splaten\u00e1 v celkovej v\u00fd\u0161ke a v lehote kedy splaten\u00e1 mala by\u0165,<\/li>\n<li>Riziko zaistenia, ktor\u00e9 spo\u010d\u00edva v neistote zmeny ceny akt\u00edv, ktor\u00fdm je \u00faver zaisten\u00fd, sem patria zmeny cien nehnute\u013enost\u00ed,<\/li>\n<li>Riziko n\u00e1hradn\u00e9ho obchodu je to dan\u00e9 rizikom, \u017ee si protistrana nespln\u00ed dohodnut\u00fd obchod a banke vznikne vtedy \u201e otvoren\u00e1 poz\u00edcia\u201c , ktor\u00fa bude n\u00faten\u00e1 zaisti\u0165 nov\u00fdm obchodom,<\/li>\n<li>Platobn\u00e9 riziko je neistota vypl\u00fdvaj\u00faca z toho, \u010di si protistrana pln\u00ed alebo spln\u00ed svoje z\u00e1v\u00e4zky, jeho v\u00fd\u0161ka neuhradenej splatnej \u010diastky sa t\u00fdka prov\u00edzi\u00ed ako aj poplatkov,<\/li>\n<li>Riziko nevr\u00e1tenia poskytnut\u00fdch z\u00e1loh, <a href=\"https:\/\/www.euroekonom.sk\/financie\/burzy\/burzove-a-mimoburzove-trhy\/\">burzov\u00e9 obchody<\/a>, kde je potrebn\u00e9 zo strany klienta zlo\u017eenie z\u00e1lohy,<\/li>\n<\/ul>\n<h3>Riziko protistrany<\/h3>\n<p>Do rizika protistrany sa zah\u0155\u0148a:<\/p>\n<ul>\n<li>Riziko vysporiadania, ktor\u00e9 spo\u010d\u00edva hlavne v neistote o tom, \u010di subjekt, s ktor\u00fdm banka uzavrela konkr\u00e9tny obchod (nezbankrotuje pred vyrovnan\u00edm z\u00e1v\u00e4zkov),<\/li>\n<li>Riziko krajiny \u2013 teritori\u00e1lne riziko, vyzna\u010duje sa politick\u00fdmi, ekonomick\u00fdmi, pr\u00edrodn\u00fdmi faktormi, ktor\u00e9 dok\u00e1\u017eu ma\u0165 vplyv na vyrovnanie z\u00e1v\u00e4zkov dl\u017en\u00edka,<\/li>\n<li>Riziko transferu \u2013 neistota, \u010di ur\u010dit\u00fd \u0161t\u00e1t nespr\u00edsni svoj dev\u00edzov\u00fd re\u017eim, \u010do m\u00f4\u017ee ma\u0165 za n\u00e1sledok neschopnos\u0165 plni\u0165 svoje z\u00e1v\u00e4zky za hranicami,<\/li>\n<li>Riziko koncentr\u00e1cie, zdrojom neistoty je nedostato\u010dn\u00e1 <a href=\"https:\/\/www.euroekonom.sk\/financie\/investicne-strategie\/teoria-portfolia\/\">diverzifik\u00e1cia portf\u00f3lia<\/a>. (Babou\u010dek, 2005)<\/li>\n<\/ul>\n<h2>Subkateg\u00f3rie \u00faverov\u00e9ho rizika<\/h2>\n<p>Subkateg\u00f3rie \u00faverov\u00e9ho rizika s\u00fa:<\/p>\n<ul>\n<li>Priame \u00faverov\u00e9 riziko (direct credit risk) riziko straty zo zlyhania partnera v pr\u00edpade klasick\u00fdch s\u00favahov\u00fdch polo\u017eiek v plnej alebo \u010diasto\u010dnej hodnote,<\/li>\n<li>Riziko vysporiadania (settlement risk) riziko zo straty zo zlyhania vyrovnania transakci\u00ed, kde na jednej strane bolo hodnota dodan\u00e1, ale na druhej strane e\u0161te nie je k dispoz\u00edci\u00ed,<\/li>\n<li>Riziko \u00faverovej anga\u017eovanosti, riziko straty z anga\u017eovanosti vo vz\u0165ahu k ur\u010dit\u00e9mu subjektu, krajine a pod.<\/li>\n<li>Riziko \u00faverov\u00fdch ekvivalentov (credit equivalent exposure) riziko zo straty zo zlyhania partnera v pr\u00edpade pods\u00favahov\u00fdch polo\u017eiek. (Bel\u00e1s, Demjan,2009)<\/li>\n<\/ul>\n<h2>Pou\u017eit\u00e1 literat\u00fara<\/h2>\n<p>http:\/\/www.podnikam.webnoviny.sk\/ekonomicky-slovnik\/uverove-riziko\/725<br \/>\nBEL\u00c1S, J., DEMJAN, V. <em>Finan\u010dn\u00e9 riadenie komer\u010dnej banky<\/em>. \u017dilina: Georg, 2009. str. 86 ISBN 978-80-89401-06-2<br \/>\nBELAS, J. a kol., <em>\u0158izen\u00ed \u00faverov\u00e9ho rizika Sme<\/em>. 2013, \u017dilina , Georg. ISBN 978- 80-8154-017-2<br \/>\nBABOU\u010cEK, I., a kol. <em>Bankovni regulace a dohled<\/em>. Praha: BIV\u0160, 2002. ISBN 80-7265-053-X 2<br \/>\nBABOU\u010cEK, I. a kol. <em>Regulace \u010dinnosti bank. Praha<\/em>: BIV\u0160, 2005. str. 95. <em>ISBN<\/em>:80-7265-071-8<br \/>\nREVENDA, Z., MANDEL, M., KODERA, J., MUS\u00cdLEK, P., DVO\u0158\u00c1K, P., BRADA,J. : <em>Pen\u011b\u017en\u00ed ekonomie a bankovnictv\u00ed<\/em>. Praha: Management Press, 2005.ISBN 80-7261-132-1<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00daverov\u00e9 riziko je najv\u00fdznamnej\u0161\u00edm a najv\u00e4\u010d\u0161\u00edm rizikom pre komer\u010dn\u00e9 banky aj napriek skuto\u010dnosti, \u017ee je dhodobo zn\u00e1me a banky maj\u00fa s jeho riaden\u00edm najv\u00e4\u010d\u0161ie sk\u00fasenosti. &hellip; <\/p>\n","protected":false},"author":9,"featured_media":25151,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,551],"tags":[53,82],"class_list":["post-10360","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financie","category-podnikam","tag-peniaze","tag-riziko"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00daverov\u00e9 riziko<\/title>\n<meta name=\"description\" content=\"Defin\u00edcia \u00faverov\u00e9ho rizika. 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