In today’s banking business, liquidity risk and its management are some of the most critical elements that underlie the stability and security of the bank’s operations, profit-making and clients confidence as well as many of the decisions that the bank makes. Managing liquidity risk in a commercial bank is not something new, yet scientific literature has not focused enough on different approaches to liquidity risk management and assessment. Furthermore, models, methodologies or policies of managing liquidity risk in a commercial bank have never been examined in detail either. The goal of this article is to analyse the liquidity risk of commercial banks as well as the possibilities of managing it and to build a liquidity risk management model for a commercial bank. The development, assessment and application of the commercial bank liquidity risk management was based on an analysis of scientific resources, a comparative analysis and mathematical calculations.
The structure of financial markets is a constantly developing organism displaying an ever-changing pattern of the weight in the overall financial market structure of its constituents such as capital market, money market and the market of financial derivatives as a product of the two markets. The changes and the new developments are caused by a vast number of reasons and factors including the interaction of the markets concerned. The structural changes taking place in the financial markets and the related forecasts are of great importance to the investors and investment portfolio managers. The financial markets of Lithuania have already become an integral part of the global financial system therefore the authors of the present study did not limit the scope of the survey exclusively to the Lithuanian markets and took a broader view by carrying out a survey of the financial market segments such as capital and money markets of a number of Eastern European, Western European, North American States and the Pacific Ocean region, also the trends of the structural developments as well as the factors causing the processes. The purpose of the present study was to assess whether capital and money markets develop in parallel, i.e., the development of one market creates the conditions favourable for the growth and development of the other, or the two markets perform as competitors. The object of the survey: money and capital markets of East European, West European, North American and Pacific Ocean region countries. Methods used: analysis of the research literature, statistical grouping, correlation analysis.
The main purpose of this paper is to analyze main innovations in retail banking distribution channels, identify the behavior of customers in Lithuanian market in respect of those innovations and evaluate their effect on Lithuanian commercial banks’ competitiveness. Literature analysis overviews major innovations of distribution channels in retail banking and the theoretical aspects of the effect of those innovations on customer behavior and how they help to better serve changing customer needs. The aim of the research was to understand the needs of Lithuanian commercial banks’ customers in the context of different banking distribution channels, customer behavior tendencies while using those channels, and what is customer opinion on how safe, simple and affordable different channels are. Survey was carried out by asking Lithuanian commercial banks’ customers to fill an online survey. The factor analysis was carried out based on survey results with the purpose to identify main customer segments in respect of different retail banking distribution channels. Factor analysis demonstrates that Lithuanian commercial banks’ customer segments differ very significantly in terms of what are their behavioral habits while using different distribution channels. This signals that in the context of fast development of modern and cost effective distribution channels, traditional distribution channels are still playing a major role in serving customer needs and remaining competitive in the Lithuanian retail banking market. This research could be used as a base for building an effective retail banking distribution channels strategy.
2007 m. minėsime nacionalinės pinigų sistemos sukūrimo 15-os metų sukaktį. Nors praėjęs laikotarpis nėra ilgas, tačiau dėl jame buvusių įvykių gausos ar ir kitų priežasčių, dėl kai kurių faktų painumo ar supainiojimo net ir tų įvykių dalyviams ar liudininkams jau ne visada lengva nuosekliai atkurti to meto įvykių eigą. Tad ką ir kalbėti apie jaunąją kartą, kuriai tie dalykai jau gryniausia istorija, ne visada lengvai suprantama, tuo labiau kad įvairiuose straipsniuose ir šaltiniuose pateikiami tik pavieniai šio Lietuvos Nepriklausomybei reikšmingo etapo aspektai, o kartais matome ir nesusigaudymą bei skaitytojų klaidinimą. Net ir paties nacionalinės pinigų sistemos sukūrimo fakto svarba nėra tinkamai įvertinta, dažnai net ir ignoruota.Šio straipsnio tikslas - pamėginti iš tam tikro istorinio nuotolio, remiantis to laikotarpio oficialiais dokumentais, specialistų nuomone ir asmenine patirtimi, apibendrintai pateikti nacionalinės pinigų sistemos kūrimo nuo 1988 m. iki 1993 m. pirmosios pusės esminius bruožus, juos susisteminti.
Straipsnyje pateikiami iškilios asmenybės - profesoriaus Vlado Jurgučio kai kurie gyvenimo ir veiklos bruožai, pamėginta pažinti jį - lito ir Lietuvos finansų mokslo kūrėją, enciklopedinės erudicijos pedagogą, valstybininką ir patriotą.Straipsnis skiriamas profesoriaus Vlado Jurgučio 120-osioms gimimo metinėms.
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