期刊名称：Annals of the University of Oradea : Economic Science
印刷版ISSN：1222-569X
电子版ISSN：1582-5450
出版年度：2007
卷号：XVI
期号：02
页码：483-487
出版社：University of Oradea
摘要：The paper constitute an detailed analysis of NMS¡¯s banking structures and developments, especially
in light of the significant structural changes that have taken place in a relatively short period of time. Authors
point out how and to what extent the new EU member states banking sectors are integrated with the rest of the
EU and the rest of the world and how the accession process has had an impact on their banking sectors.
Regarding EU-15 banks, positive effects from an increased presence in the NMS¡¯s may have so far outweighed
the negative effects. In particular, NMS banks have contributed strongly in recent years to the profitability of
EU-15 banks. Looking at the host countries, NMS banks have benefited from their close links with EU-15 banks
through knowledge-transfer, including improvements in risk management systems. Over the medium to longterm,
this will have a stabilising effect on banking systems in the NMSs.
Competition in NMS banking markets is expected to intensify further, partly owing to the increasing EU
integration of banking sectors. This will have positive welfare implications, but may also present challenges for
the nascent banking sectors. A higher degree of competition may put pressure on margins, and therefore also on
banks¡¯ profitability.
关键词：structure of the banking sector; intermediation and organisation of the banking sector
