01696naa a2200217 i 4500 acta57481 20260224081030.0 190516s2012 hu o 100 eng d 978-963-306-159-6 SZTE Egyetemi Kiadványok Repozitórium hun eng Banai Ádám "Home high above and home deep down below?" [elektronikus dokumentum] : lending in Hungary / Banai Ádám 2012 36-62 Crisis Aftermath: economic policy changes in the EU and its Member States : International Conference University of Szeged 8-9 March 2012 : conference Proceedings In Hungary in the pre-crisis period the bank sector initiated private credit boom significantly contributed to the accumulation of economic imbalances. Nevertheless, before the 2008 crisis no special regulatory measure was taken to mitigate the FX lending to unhedged borrowers, which was one of the main moving force of the credit boom. Depreciation of the HUF and the increased risk premium significantly deteriorated the customers’ positions and resulted rocketing NPL-s. Recession, deteriorating portfolios, lack of efficient workout and the introduced strict regulation did freeze banking activity and the danger of recovery without lending did emerge. The paper compares the pre- and post-crisis lending activity and analyse both the lack of regulation in the pre-crisis and the inefficient regulation in the post-crisis period. Hitel - deviza - Magyarország Király Júlia aut Nagy Márton aut http://acta.bibl.u-szeged.hu/57481/1/crisis_aftermath_036-062.pdf Dokumentum-elérés