Interest Rate Risk, the Impact of Macroeconomic Factors on Deposit Interest Rates

Abazi Jusufi, Kalterina (2019) Interest Rate Risk, the Impact of Macroeconomic Factors on Deposit Interest Rates. ECONOMIC VISION International Scientific Journal in Economics, Finance, Business, Marketing, Management and Tourism, 6 (11-12). pp. 105-110. ISSN 2545-4544

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Banks are financial institutions that play an intermediary role in the economy through channeling financial resources from surplus entities to the deficit one. They play an important role in economic growth, mainly by diversifying the risk for their activity and other economic agents. Interest rate risk is one of the most important financial risks of each bank which the banks face. Interest rate risk is the possibility that interest rate fluctuations affect interest income on the market value of each investor, constituting one of the most important channels of monetary policy transmission in an economy. This paper explores the role and necessity of banking activity under today's conditions. Particular attention is paid to factors influencing the interest rate on deposits as well as the impact assessment of these factors on the interest rate, using the econometric model. The main objective of this paper is the impact on factors such the Gross domestic product and inflation that have on the deposit interest rates level.

Item Type: Article
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Law, Arts and Social Sciences > School of Social Sciences
Depositing User: Unnamed user with email
Date Deposited: 28 Jan 2020 12:04
Last Modified: 28 Jan 2020 12:04

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