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För mycket transparens?: En kvalitativ studie gällande införandet av Markets in Financial Instruments II och bankaktörers upplevda påverkan
Södertörn University, School of Social Sciences, Business Studies.
Södertörn University, School of Social Sciences, Business Studies.
2019 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesis
Abstract [sv]

Denna studie har genomförts i syfte att undersöka påverkan på svenska banker under och efter införandet av direktivet Market in Financial Instruments Directive (MiFID) IIs transparenskrav. Efter reguljära brister på den finansiella marknaden utformades det nya direktivet för att stärka transparensen för samtliga aktörer. Problematiken finns i eventuella risker som uppstår vid ökat krav på transparens och hur bankerna hanterar dessa samt hur den asymmetriska informationen påverkas på marknaden mellan konsument och företag.

Studien är av kvalitativ art och den primära källan består av intervjuer med utvalda aktörer på den svenska bankmarknaden. Resultatet visade att respondenterna ansåg att en gräns för öppenhet inte existerar och att transparens därmed inte kan bli för hög. Med de nya transparenskraven sågs en positiv effekt på marknadskvaliteten då ökade krav lett till högre disciplin och därmed minskad asymmetrisk information. Dock bekräftas teorin som menar att allmänheten kan översvämmas med för mycket information som i sin tur skapar osäkerhet hos konsumenten. Studien visade att majoriteten av respondenterna ansåg sig vara positiva över de förhöjda transparenskraven och ser stora möjligheter trots konstaterade risker.

Abstract [en]

This study was carried out with the aim of investigating the impact on Swedish banks during and after the introduction of the directive Market in financial instruments (MiFID) II transparency requirements. After regular shortcomings in the financial market, the new directive was designed to strengthen the transparency for all actors. The problem is the possible risks arising from increased transparency requirements and how banks act and how the asymmetric information is affected on the market between consumers and companies.

The study is of qualitative art and the primary source consists of interviews with selected actors in the Swedish banking market. The result showed that respondents felt that a limit of transparency does not exist and that transparency can not be too much. With the new transparency directive, a positive effect on market quality was seen as increased demands led to higher discipline and thereby reduced asymmetric information.However, the theory confirms that the public can be flooded with too much information, which in turn creates uncertainty for the consumer. Studies showed that the majority of respondents felt positive about the increased transparency requirements and saw great opportunities even though risks were found.

Place, publisher, year, edition, pages
2019. , p. 52
Keywords [en]
Transparency, MiFID, Asymmetrical information, Banks, Financial market
Keywords [sv]
Transparens, MiFID, Asymmetrisk information, Banker, Finansiella marknaden
National Category
Economics and Business
Identifiers
URN: urn:nbn:se:sh:diva-38800OAI: oai:DiVA.org:sh-38800DiVA, id: diva2:1346610
Subject / course
Business Studies
Uppsok
Social and Behavioural Science, Law
Supervisors
Examiners
Available from: 2019-08-28 Created: 2019-08-28 Last updated: 2019-08-28Bibliographically approved

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2324252627282926 of 52
CiteExportLink to record
Permanent link

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Cite
Citation style
  • apa
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  • modern-language-association-8th-edition
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  • apa-old-doi-prefix.csl
  • Other style
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  • de-DE
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  • fi-FI
  • nn-NO
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  • sv-SE
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