{"id":18760,"date":"2021-06-28T10:00:00","date_gmt":"2021-06-28T08:00:00","guid":{"rendered":"https:\/\/www.geciclaw.com\/?p=18760"},"modified":"2022-01-20T15:02:26","modified_gmt":"2022-01-20T14:02:26","slug":"libor-prestaje-da-vazi","status":"publish","type":"post","link":"https:\/\/www.geciclaw.com\/sr\/libor-prestaje-da-vazi\/","title":{"rendered":"LIBOR kona\u010dno prestaje da va\u017ei"},"content":{"rendered":"<p>Teku\u0107a, 2021. godina \u0107e doneti velike promene, bar kada je u pitanju poslovanje na finansijskim tr\u017ei\u0161tima. Naime, ove godine dolazi do dugo o\u010dekivanog ukidanja referentne kamatne stope LIBOR. Iako se dosta govorilo o tehni\u010dkim preprekama koje treba prevazi\u0107i, promena je evidentno bila neminovna.<\/p>\n<p>Podsetimo, <a href=\"https:\/\/corporatefinanceinstitute.com\/resources\/knowledge\/trading-investing\/libor\/\">LIBOR<\/a> <em>(London Interbank Offered Rate)<\/em> predstavlja dnevnu referentnu kamatnu stopu po kojoj banke jedna drugoj pozajmljuju sredstva <strong>na medjubankarskom tr\u017ei\u0161tu.<\/strong> Na zna\u010daju je dobio 1990ih, kada je <a href=\"https:\/\/www.investopedia.com\/terms\/b\/britishba.asp\">Britanska bankarska asocijacija<\/a> (BBA), postavljaju\u0107i relevantne standarde, odgovorila potrebi da se uredi prikupljanje i analiza dobijenih podataka a koji \u0107e poslu\u017eiti kao osnova za izra\u010dunavanje stopa na kojima \u0107e se temeljiti LIBOR. Uz odobrenje<a href=\"https:\/\/www.fca.org.uk\/\"> FCA<\/a> (Financial Conduct Authority), administriranje LIBORA je pre\u0161lo iz odgovornosti BBA na <a href=\"https:\/\/www.theice.com\/iba\">ICE Benchmark Administration<\/a> (IBA), nakon \u010dega IBA postaje odgovoran za nadzor <a href=\"https:\/\/www.researchgate.net\/publication\/282459957_Interbank_overnight_rate_determinants\/fulltext\/56864ac408ae051f9af3e821\/Interbank-overnight-rate-determinants.pdf\">pet valuta<\/a>:<\/p>\n<ul>\n<li>Ameri\u010dki dolar -USD LIBOR<\/li>\n<li>Britanska funta -GBP LIBOR<\/li>\n<li>Evropski evro -EUR LIBOR Eonia<\/li>\n<li>Japanski jen -JPY LIBOR<\/li>\n<li>\u0160vajcarski franak -CHF LIBOR<\/li>\n<\/ul>\n<p>Stope ovih valuta diktirale su stopu LIBORA i to na osnovu izve\u0161taja koje dostavljaju tzv. Panel banke, odnosno oko 20 banaka reprezentativnih za svaku navedenu valutu. Njihova reprezentativnost se utvr\u0111uje na osnovu u\u010de\u0161\u0107a u trgovini odre\u0111enom valutom kao i reputacijom koju banka ima na tr\u017ei\u0161tu, ali i nekim dodatnim parametrima. LIBOR se izra\u010dunava na dnevnom nivou i to za sedam ro\u010dnosti: jedan dan (prekono\u0107), nedelju dana, jedan mesec, kao i na period od 2, 3, 6 i 12 meseci.<\/p>\n<p>Ipak, koliko god se naizgled \u010dinilo da je \u010ditav sistem u vezi izra\u010dunavanja LIBOR-a dobro razra\u0111en i da funkcioni\u0161e, praksa je pokazala da to nije ba\u0161 tako. Jo\u0161 2012. godine izbili su brojni skandali vezani za ovu referentnu kamatnu stopu. Pokazalo se da su brojne banke name\u0161tale vrednost svojih stopa na osnovu koga se dalje ra\u010dunao LIBOR, u cilju pove\u0107anja profita. Zbog ovoga, pojedine banke su ka\u017enjene stotinama miliona dolara. Pored toga, FCA je izrazila zabrinutost smatraju\u0107i da ova referentna kamatna stopa vi\u0161e <a href=\"https:\/\/www.fca.org.uk\/markets\/libor\">ne oslikava realno stanje tr\u017ei\u0161ta<\/a>, sa \u010dime su se slo\u017eili brojni regulatorni organi u finansijskom sektoru. Iz svih tih razloga, doneta je odluka da se nakon okvirno 30 godina primene ove referentne stope ona zameni.<\/p>\n<p>Plan je da se LIBOR izbaci iz upotrebe do kraja 2021. godine, i to tako \u0161to \u0107e prestati da se obra\u010dunava za britansku funtu, evropski evro, japanski jen, \u0161vajcarski franak, kao i za pojedine ro\u010dnosti koje se odnose na ameri\u010dki dolar, dok bi za preostale ro\u010dnosti koje se odnose na ameri\u010dki dolar prestanak obra\u010dunavanja bio odlo\u017een za sredinu 2023. godine, iz razloga \u0161to je za ovu valutu vezano mnogo ve\u0107i broj obveznica i kredita. Banke bi trebalo da povuku ugovore u vrednosti preko 350 milijardi dolara koji su vezani za ovu referentnu kamatnu stopu.<\/p>\n<p>Umesto LIBORA, kao referentna stopa \u0107e se koristiti neka od <a href=\"https:\/\/en.wikipedia.org\/wiki\/Risk-free_interest_rate\">prekono\u0107nih kamatnih stopa<\/a><em> (Risk free rate -RFR)<\/em>. Re\u010d je u su\u0161tini o kratkoro\u010dnim kamatnim stopama koje se formiraju me\u0111u bankama na tzv. prekono\u0107ne pozajmice. Kratkoro\u010dna kamatna stopa koja \u0107e najverovatnije zameniti GBP LIBOR je <a href=\"https:\/\/www.bankofengland.co.uk\/markets\/sonia-benchmark\">SONIA<\/a> <em>(Sterling Overnight Index Average)<\/em>. SONIA je predstavljena jo\u0161 1997. godine, usled pove\u0107anog obima transakcija koje se de\u0161avaju po zavr\u0161etku radnog vremena. SONIA se utvr\u0111uje kao ponderisani prosek ukupno neobezbe\u0111enih gotovinskih transakcija izvr\u0161enih u okviru \u010dlanica <a href=\"http:\/\/www.marketswiki.com\/wiki\/Wholesale_Markets_Brokers%27_Association\">WMBA<\/a> (The Wholesale Markets Brokers Association). Kao takva, ona je odli\u010dan pokazatelj ostvarenog dnevnog prometa. U skladu sa navedeni, umesto svih 5 vrsta LIBOR-a bi\u0107e kreirana po jedna nova referentna stopa \u2013 pored SONIA postoja\u0107e \u20acSTR (Euro Short-Term Rate), SARON (Swiss Average Rate Overnight), TONAR (Tokyo Overnight Average Rate) i SOFR (Secured Overnight Financing Rate).<\/p>\n<p>Iako su najavljeni znatni tro\u0161kovi zbog prelaska sa jedne na drugu referentnu kamatnu stopu, smatra se da je on bio neminovan. Ovako uspostavljena referentna stopa \u0107e realno oslikavati stanje na finansijskim tr\u017ei\u0161tima, a pri tome uticati i na sigurnost potro\u0161a\u010da u njih, ne\u0161to \u0161to su malverzacije LIBOR-om tokom godina vidno naru\u0161ile.<\/p>\n<p>Kada je u pitanju srpsko tr\u017ei\u0161te, smatra se da ova promena ne\u0107e zna\u010dajno uticati na njega. Naime, ugovori na srpskom tr\u017ei\u0161tu naj\u010de\u0161\u0107e su vezani za <a href=\"http:\/\/www.emc-review.com\/sites\/default\/files\/2017-2\/EMC%20-%20godina%20VII%20broj%202-Bogdana%20Vujnovic.pdf\">EURIBOR<\/a>, a ne za LIBOR. <em>EURIBOR (Euro Interbank Off eredRate)<\/em> je kamatna stopa po kojoj banke razmenjuju oro\u010dene depozite u evrima <strong>na evropskom tr\u017ei\u0161tu novca<\/strong>. Razlog tome je \u0161to \u00a0je u\u010de\u0161\u0107e evro-indeksiranih kredita u ukupnom portfoliju bankarskog sektora Srbije dominantno. Time, uticaj ove promene na tr\u017ei\u0161te u Republici Srbiji bi\u0107e minoran.<\/p>\n<p>Ipak, treba uvek imati u vidu da su sva finansijska tr\u017ei\u0161ta usko povezana, \u0161to je naro\u010dito izra\u017eeno u doba globalizacije u kome \u017eivimo. Ostaje nam zbog toga da vidimo na koji na\u010din \u0107e ova dugo o\u010dekivana tranzicija biti izvr\u0161ena i kakve \u0107e sve promene doneti.<\/p>\n<p>&nbsp;<\/p>\n<p><em>Autori:<\/em> <em>Danica Misoj<\/em><em>\u010di\u0107, Teodora Risti\u0107<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Teku\u0107a, 2021. godina \u0107e doneti velike promene, bar kada je u pitanju poslovanje na finansijskim tr\u017ei\u0161tima. Naime, ove godine dolazi do dugo o\u010dekivanog ukidanja referentne kamatne stope LIBOR. Iako se dosta govorilo o tehni\u010dkim preprekama koje treba prevazi\u0107i, promena je evidentno bila neminovna. Podsetimo, LIBOR (London Interbank Offered Rate) predstavlja dnevnu referentnu kamatnu stopu po kojoj banke jedna drugoj pozajmljuju sredstva na medjubankarskom tr\u017ei\u0161tu. Na zna\u010daju je dobio 1990ih, kada je Britanska bankarska asocijacija (BBA), postavljaju\u0107i relevantne standarde, odgovorila potrebi da se uredi prikupljanje i analiza dobijenih podataka a koji \u0107e poslu\u017eiti kao osnova za izra\u010dunavanje stopa na kojima \u0107e [&hellip;]<\/p>\n","protected":false},"author":21,"featured_media":18758,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[1543,1259,601],"tags":[469,713],"class_list":["post-18760","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bankarstvo-i-finansije","category-finansije","category-601","tag-gecic-law-firm-serbia-sr","tag-banking-finance-sr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>LIBOR kona\u010dno prestaje da va\u017ei | Geci\u0107 Law<\/title>\n<meta name=\"description\" content=\"Teku\u0107a, 2021. godina \u0107e doneti velike promene, bar kada je u pitanju poslovanje na finansijskim tr\u017ei\u0161tima. 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