Η συμπεριφορική προσέγγιση των καταθετών και δανειοληπτών στην περίοδο της οικονομικής κρίσης και η επίπτωση των κόκκινων δανείων και της πιθανότητας κουρέματος καταθέσεων στην ψυχολογία τους

Abstract

The purpose of the present work is to describe the behavior of depositors, investors and borrowers during the financial crisis in Greece which has worsen under the systemic risk and uncertainty during the last few years. Research questions asked include: does panic prompt depositors to transfer their deposits out of Greece while at the same time borrowers attempted to withdraw their funds from banks, compromising their credibility and increasing the credit risk in Greek Banking? Which are the consequences on the Market economy and how can these be avoided. Cognitive and behavioral decision making processes and the actions and psychology of depositors, investors and borrowers faced with a stressed banking sector (bank recapitalization, possible bail-in) were investigated. Finally, factors which lead to the rise of red and non-performing loans as well the contribution of Bank credit expansion before and during the current economic crisis are presented.