Seadusemuudatuste mõju hoiu-laenuühistute finantsseisundile Eestis
Laen...
Kuupäev
2026
Kättesaadavus
05.09.2026
Autorid
Ajakirja pealkiri
Ajakirja ISSN
Köite pealkiri
Kirjastaja
Eesti Maaülikool
Abstrakt
Hoiu-laenuühistud on osa Eesti finantssüsteemist ning nende tegevust reguleerib hoiu-laenuühistute seadus. Seadusandlik regulatsioon mõjutab hoiu-laenuühistute tegevust, arengut ja usaldusväärsust finantsturul. Ühistute varade ja hoiuste maht on Eestis märkimisväärselt kasvanud. Sellest tulenevalt tekkis vajadus muuta nende tegevust reguleerivat õiguslikku raamistikku. Regulatsiooni muutmise mõte ei olnud üksnes sektori toimimise võimaldamine, vaid ka tasakaalu leidmine ettevõtlusvabaduse ja avaliku huvi vahel, eelkõige liikmete kaitse tagamisel. Bakalaureusetöö eesmärk on analüüsida hoiu-laenuühistute seadusemuudatuste mõju finantsseisundile Eestis. Töö teises osas kasutatakse kombineeritud uurimismeetodit, ühendades kvantitatiivse ja kvalitatiivse lähenemise. Kvantitatiivse analüüsi käigus uuritakse hoiu-laenuühistute bilansse, statistilisi näitajaid ja küsitluse tulemusi, kvalitatiivse analüüsi abil analüüsitakse vastajate hinnanguid ja seisukohti seadusemuudatuste mõju kohta. Küsitluse tulemused näitasid, et vastajad hindavad regulatiivsete muudatuste mõju valdavalt negatiivselt. Kõige sagedamini toodi välja tegevuse lõpetamise oht, raskused uute nõuete täitmisel ning mõju senisele tegevusmudelile. Vastajad pidasid hoiu-laenuühistuid oluliseks maapiirkondades ning leidsid, et seadusemuudatused on liiga ranged.
Savings and loan associations are part of the Estonian financial system and their activities are regulated by the Savings and Loan Associations Act. Legislative regulation affects the activities, development and reliability of savings and loan associations in the financial market. The volume of assets and deposits of associations has grown significantly in Estonia. As a result, it was needed to change the legal framework regulating their activities. The purpose of changing the regulation was not only to enable the sector to function, but also to find a balance between freedom of enterprise and public interest, especially in ensuring the protection of members. The aim of the bachelor's thesis is to analyze the impact of the amendments to the savings and loan association law on the financial position of Estonia. The second part uses a combined research method, combining quantitative and qualitative approaches. During the quantitative analysis, the balance sheets of savings and loan associations, statistical indicators and survey results are examined, while qualitative analysis is used to analyze the respondents assessments and positions on the impact of the amendments to the law. Survey results showed that respondents assess the impact of the regulatory changes predominantly negatively. The most frequently cited concerns were the threat of closure, difficulties in meeting new requirements, and the impact on the current operating model. Respondents considered savings and loan associations important in rural areas and found the legislative changes to be too strict.
Savings and loan associations are part of the Estonian financial system and their activities are regulated by the Savings and Loan Associations Act. Legislative regulation affects the activities, development and reliability of savings and loan associations in the financial market. The volume of assets and deposits of associations has grown significantly in Estonia. As a result, it was needed to change the legal framework regulating their activities. The purpose of changing the regulation was not only to enable the sector to function, but also to find a balance between freedom of enterprise and public interest, especially in ensuring the protection of members. The aim of the bachelor's thesis is to analyze the impact of the amendments to the savings and loan association law on the financial position of Estonia. The second part uses a combined research method, combining quantitative and qualitative approaches. During the quantitative analysis, the balance sheets of savings and loan associations, statistical indicators and survey results are examined, while qualitative analysis is used to analyze the respondents assessments and positions on the impact of the amendments to the law. Survey results showed that respondents assess the impact of the regulatory changes predominantly negatively. The most frequently cited concerns were the threat of closure, difficulties in meeting new requirements, and the impact on the current operating model. Respondents considered savings and loan associations important in rural areas and found the legislative changes to be too strict.
Kirjeldus
Bakalaureusetöö
Maamajandusliku ettevõtluse ja finantsjuhtimise õppekaval
Märksõnad
bakalaureusetööd, tagatisfond, seadusemuudatus, hoius