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master's thesis
BANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE
2020. urn:nbn:hr:128:816800
Janić, Ivan
Karlovac University of Applied Sciences
Business Department
Specialist Graduate Study of Business Administration (Master of Business Administration) - Part-time study

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Janić, I. (2020). BANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE (Master's thesis). Karlovac: Karlovac University of Applied Sciences. Retrieved from https://urn.nsk.hr/urn:nbn:hr:128:816800

Janić, Ivan. "BANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE." Master's thesis, Karlovac University of Applied Sciences, 2020. https://urn.nsk.hr/urn:nbn:hr:128:816800

Janić, Ivan. "BANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE." Master's thesis, Karlovac University of Applied Sciences, 2020. https://urn.nsk.hr/urn:nbn:hr:128:816800

Janić, I. (2020). 'BANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE', Master's thesis, Karlovac University of Applied Sciences, accessed 06 December 2024, https://urn.nsk.hr/urn:nbn:hr:128:816800

Janić I. BANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE [Master's thesis]. Karlovac: Karlovac University of Applied Sciences; 2020 [cited 2024 December 06] Available at: https://urn.nsk.hr/urn:nbn:hr:128:816800

I. Janić, "BANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE", Master's thesis, Karlovac University of Applied Sciences, Karlovac, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:128:816800

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Metadata
TitleBANKA I BANKARSKO POSLOVANJE S NAGLASKOM NA KREDITE ZA FIZIČKE OSOBE
Title (english)BANK AND BANKING BUSINESS WITH ACLORDING TO LOANS FOR NATURAL PERSONS
AuthorIvan Janić
MentorŽeljko Martišković (mentor)
Committee memberNikolina Smajla (predsjednik povjerenstva)
Committee memberAndreja Primužak (član povjerenstva)
Committee memberŽeljko Martišković (član povjerenstva)
GranterKarlovac University of Applied Sciences
(Business Department)
(Specialist Graduate Study of Business Administration (Master of Business Administration) - Part-time study)
Karlovac
Defense date and country2020-09-28, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Ovaj završni rad govori o važnosti poslovnih banaka koje su se u nekim svojim oblicima pojavljivale u davnini te zbog kojih je život mogao biti puno jednostavniji. Razvojem društva razvile su se banke do super modernih institucija bez kojih život danas nije moguć te su one suputnik u čovjekovom životu. Banke se danas bave različitim poslovima. Uz otvaranje računa, izdavanja kredita, držanja depozita, mijenjanja valuta, banke su danas razgranate na više strana te je poslovanje usmjereno u više područja. Vidljiva je izuzetna eksternalizacija te skoro svaka vodeća banka u Republici Hrvatskoj posluje unutar neke grupe. Banke kreditiranjem zarađuju novac stoga im je to jedan od glavnih poslova koje vode. Kako su krediti izuzetno složeni banka temeljem svojih propisa i akti mora dobro upravljati kreditnim procesima i procjenom kreditnog rizika. Ukoliko dođe do pogrešne procjene postoji visoka mogućnost da neki odobreni kredit zapravo ne bude i naplaćen u budućnosti jer je korisnik kredita bio rizičan te nema dovoljno sredstava da bi ga isplatio u cjelosti. Zapravo takav kredit je onda i svojevrstan trošak za banku. Također bitna stavka koja se desila u 2020. godini je moratorij na kredite uslijed pogoršanja financijskog stanja klijenata uzrokovanog pandemijom COVID 19. Banke su u suradnji s HNB-om omogućile odgodu naplate kredita za šest mjeseci ukupno kako bi se ublažile posljedice na ekonomiju. Također od 2017. godine događa se pad kamatne stope, kreditna ekspanzija nenamjenskih kredita uslijed pozitivnih promjena na tržištu rada.
Abstract (english)
This final paper discusses the importance of commercial banks, which in some of their forms appeared in antiquity and because of which life would be much simpler. With the development of society, banks have developed into super modern institutions without which life is not possible today, and they are a companion in human life. Banks today are engaged in various businesses. In addition to opening accounts, issuing loans, holding deposits, changing currencies, banks are now branched out into several parties and business is focused in several areas. Exceptional externalization is visible, and almost every leading bank in the Republic of Croatia operates within a group. Banks make money by lending, so this is one of the main jobs they run. As loans are extremely complex, a bank must manage credit processes and credit risk assessment well based on its regulations and acts. If an incorrect assessment occurs, there is a high possibility that an approved loan will not actually be collected in the future because the borrower was risky and does not have enough funds to repay it in full. In fact, such a loan is then a kind of expense for the bank. Also an important item that occurred in 2020 is the moratorium on loans due to the deterioration of the client's financial situation caused by the COVID 19 pandemic. Also since 2017, there has been a decline in interest rates, credit expansion of non-purpose loans due to positive changes in the labor market.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:128:816800
Study programmeTitle: Business Administration
Study programme type: professional
Study level: specialist graduate
Academic / professional title: stručni/a specijalist/specijalistica poslovnog upravljanja (stručni/a specijalist/specijalistica poslovnog upravljanja)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2021-03-18 10:02:08