Stečaj potrošača

master's thesis

• Title (english): Consumer bankruptcy
• Author: Ružica Ferić
• Mentor: Dominik Vuletić (mentor); MBZ: 308142
• Committee member: Dominik Vuletić (predsjednik povjerenstva)
• Committee member: Kosjenka Dumančić (član povjerenstva)
• Committee member: Ana Ivanišević Hernaus (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2020-07-14, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Raspadom Jugoslavije početkom 90-tih godina za vrijeme Domovinskog rata, Hrvatska kreće u proces tranzicije iz jednostranačkog političkog sustava u višestranački i iz planske ekonomije u slobodnu tržišnu ekonomiju. Prelaskom na tržišnu ekonomiju i otvaranjem granica za slobodan protok roba i usluga građanima se omogućuje veći izbor proizvoda i usluga koje nude financijske institucije, trgovački lanci i ostali poslovni subjekti. Emocije i potrebe, diktat marketinga i tržišna ponuda, neracionalan pristup novcu, smanjenje ekonomske snage srednjeg sloja (sve veći jaz prihoda iznimno bogatih i sve šireg sloja siromašnih uz rapidno propadanje srednjeg sloja), želja za potvrđivanjem statusa i prestiža te uvelike financijska nepismenost doveli su do velikog broja insolventnih i blokiranih građana. Loša zakonska rješenja za privatizaciju, globalna financijska kriza 2008. - 2009.g. i kriza u Eurozoni 2011. - 2013.g., dodatno su utjecale na povećanje broja blokiranih građana. Hrvatska 01. siječnja 2016. godine u svoj pravni sustav implementira Zakon o stečaju potrošača kako bi riješila nastali problem. Troškovi za društvo koji se javljaju kao posljedica socijalne isključenosti blokiranih građana su ogromne, a evidentiraju se kroz uvećane troškove u zdravstvu, povećanim socijalnim transferima, smanjenim poreznim prihodima, te mogućem prijenosu siromaštva na nove generacije što predstavlja najveću opasnost. U radu se uspoređuju zakonska rješenja i načini provođenja stečaja potrošača u Njemačkoj i Sloveniji te se vrši komparativna analiza.

Abstract (english)

With the disintegration of Yugoslavia in the early 1990s, during the Homeland war, Croatia was moving into a process of transition from a one-party political system to a multi-party and from a planned economy to a free market economy. Moving to a market economy and opening the borders to the free flow of goods and services enables citizens a greater choice of products and services offered by financial institutions, retail chains and other businesses. Emotions and needs, dictation of marketing and market supply, irrational access to money, a decline in the economic strength of the middle class (the growing income gap of the extremely rich and a growing number of the poor with the rapid decay of the middle class), the desire to confirm status and prestige, and a great deal of financial illiteracy, led to a large number of insolvent and blocked citizens. Bad legal solutions for privatization, the global financial crisis of 2008 - 2009 and the crisis in the Eurozone of 2011-2013 have all contributed to an increase in the number of blocked citizens. On January 1. 2016. Croatia implemented a Consumer Bankruptcy Law in its legal system to resolve the problem. The costs to society that result from the social exclusion of blocked citizens are enormous, and are recorded through increased health care costs, increased social transfers, reduced tax revenues, and the possible transmission of poverty to new generations, which poses the greatest danger. This paper compares legal solutions and methods of bankruptcy of consumers in Germany and Slovenia and makes a comparative analysis.

• Keywords: Ključne riječi: tranzicija; insolventnost; stečaj potrošača; socijalna isključenost; trošak društva; siromaštvo
• Keywords (english): transition; insolvency; consumer bankruptcy; social exclusion; social cost; powerty
• Language: croatian
• URN:NBN: urn:nbn:hr:148:717082
• Study programme: Title: Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access; Embargo expiration date: 2021-07-20
• Created on: 2020-07-16 11:35:07