Vol.4, No 2, 2007 pp. 173 - 182
UDC 174:336.7
BUSINESS ETHICS IN BANKING
Jelena Božović
Faculty of Economics, University of Priština, temporarily domiciled
in Kosovska Mitrovica
The intention of the present study is to pay attention to the very essence
of the ethics in economy, and especially in banking. There is an always
present dilemma between ethics and economy. Nowadays the attention is much
more dedicated to this topic, because the lack of ethics norms in business
operations produces great damage at the micro and macro level. More than
anything else the significance of ethics becomes apparent through establishing
of socially accepted ethical norms, affecting in consequence all aspects
of life. In the present study we shall try to explain the business ethics
as a social responsibility of an individual as well as of collective moral
actions followed during all aspects of business activities up to the point
where they do not disturb business relations within the business system,
as well as within the wider surroundings. Later in the study, some of the
banking transactions ethical principles will be given, respecting which
banks optimize their micro economy, but also realize significant micro
economy function, through their business activity. Finally, in the conclusion
of the study, the code of ethical principles is pointed out, the application
of which would establish a defensive mechanism in the field of ethical
values application.
Key words:ethics, business ethics, morals, ethical principles,
ethical code.
POSLOVNA ETIKA U BANKARSTVU
Ovaj rad ima pretenzije da ukaže na samu bit etike u ekonomiji, a posebno
u bankarstvu. Stalno je prisutna dilema između etike i ekonomije. Ovoj
temi se sve više posvećuje pažnja, jer odsustvo etičkih normi u poslovanju
donosi veliku štetu na mikro i makronivou. Značaj etike najviše se ispoljava
preko uspostavljanja društveno prihvaćenih moralnih normi, koje kasnije
utiču na sve aspekte života. U ovom radu pokušaćemo da objasnimo poslovnu
etiku kao društvenu odgovornost moralnih postupaka pojedinca i kolektiva
koji se pridržavaju tokom svih oblika poslovnih aktivnosti sve do granice
kada se ne narušavaju poslovni odnosi unutar poslovnog sistema, ali i
šireg okruženja. U nastavku, navode se neki etički principi bankarskog
poslovanja čijim uvažavanjem banke optimiziraju svoju mikroekonomiju,
ali ostvaruju i značajnu makroekonomsku funkciju, kroz svoju poslovnu
aktivnost. Konačno, u zaključku, ukazuje se na kodeks etičkih principa,
čijom primenom bi se uspostavio odbrambeni mehanizam na području primene
etičkih vrednosti.
Ključne reči: etika, poslovna etika, moral, etički principi,
etički kodeks
