Seminar on
Applied Mathematics
PROGRAM
Utorak, 22.02.2011. u 14:15, sala 301f, MI SANU:
doc.dr Vojkan Vaskovic, Tehnick fakultet u Boru
ANALYSIS OF EFFECT IN IMPLEMENTING THE CREDIT
INFORMATION EXCHANGE SYSTEM - CASE STUDY - SERBIA
Abstract: This paper analysis the effects of setting up of the
institute of credit bureau in Serbia from microeconomic aspects.
In addition to effects analysed in theoretical works of the
authors engaged in research of that problem, paper also deals with
effects which have not been mentioned in professional literature
so far. The results which were achieved, empiricaly evidence the
statement that introduction of credit bureau at the level of a
national economy has a positive impact on certain macroeconomic
aspects of relevant economy, regardless of its economic and
socio-political status. Existance of negative correlation between
functional characteristics of credit bureau and trends in
citizen's indebtedness, interest receivable, rate of unsettled
financial obligations under credits and time period necessary for
processing of credit applications has been established. Beside the
above mentioned, the existence of positive correlation between the
setting up of credit bureau and credit activities at the level of
a national economy has been also confirmed.
Key words: credit bureau, indebtedness, credit
risk, interest rates, concentration and competition
RUKOVODIOCI SEMINARA
Vera Kovačević-Vujčić
Milan Dražić