info:eu-repo/semantics/article Sažetak: Sistem osiguranja depozita je okosnica zaštitnog mehanizma mreže finansijske sigurnosti koji omogućava prevenciju "stampeda" deponenata na banke radi sprečavanja negativnog efekta na stabilnost finansijskog sistema. Dakle, posebno u uslovima krize, kao što je COVID-19, zaštita finansijske stabilnosti i deponenata ističe značaj i ulogu efikasnog ustrojstva sistema osiguranja depozita. Rad polazi od analize koncepta mreže finansijske sigurnosti radi stvaranja relevantne osnove za modeliranje pravaca razvoja sistema zaštite finansijske stabilnosti i prevencije rizika bankarskog poslovanja. Cilj rada je istražiti teorijsku i empirijsku građu radi identifikovanja potencijala radi delotvornijeg sistema osiguranja depozita u Republici Srbiji. Efikasan sistem osiguranja depozita u Republici Srbiji treba da pruži podršku i obezbedi zaštitu deponenata, koji mahom ne poseduju neophodno znanje koje bi im omogućilo da procene bankarske rizike, od finansijske propasti i krize. Razvoj našeg sistema osiguranja depozita treba da se usmeri na jačanje stabilnosti finansijskog sistema i bankarskog poslovanja, odnosno njegove otpornosti na krizne poremećaje na tržištu. Abstract: The deposit insurance system is the backbone of the protective mechanism of the financial security network, which enables the prevention of a "stampede" of depositors on banks in order to prevent a negative effect on the stability of the financial system. Therefore, especially in the event of a crisis, such as the pandemic caused by COVID-19, the protection of financial stability and depositors emphasizes the importance and role of efficient organization of the deposit insurance system. The paper starts from the analysis of the concept of a financial security network in order to create a relevant basis for modeling the directions of development of the system of financial stability protection and risk prevention of banking operations. The aim of the paper is to conduct a research into the theoretical and empirical findings in order to identify the potential for a more effective deposit insurance system in the Republic of Serbia. An efficient deposit insurance system in the Republic of Serbia should provide support and protection for depositors, most of whom do not possess the necessary knowledge which can help them assess banking risks, i.e. risks of financial failure and crisis. The development of our deposit insurance system should be aimed at strengthening the stability of the financial system and banking operations, i.e. its resilience to crisis disturbances on the market. Čavlin, Miroslav Vapa Tankosić, Jelena Egić, Srđan srp Ekonomija:teorija i praksa 14(3) Ključne reči: sistem osiguranja depozita; mreža finansijske sigurnosti; prevencija rizika bankarskog poslovanja Key words: deposit insurance system, financial security network, prevention of risks in banking operations. 2021 http://creativecommons.org/licenses/by/4.0/legalcode Perspektive sistema zaštite finansijske stabilnosti i prevencije rizika bankarskog poslovanja Perspectivnes of the financial stability protection and banking risk prevention https://unilib.phaidrabg.rs/o:2005 doi:10.5937/etp2103109Q application/pdf 440923 bytes