Naplata potraživanja kao strategija upravljanja neprihodujućim kreditima

master's thesis

• Title (english): Debt collection as a strategy for managing non-performing loans
• Author: Karla Barac
• Mentor: Alen Stojanović (mentor)
• Committee member: Jakša Krišto (predsjednik povjerenstva)
• Committee member: Branka Tuškan Sjauš (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2024-02-29, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Rad istražuje upravljanje kreditnim rizikom i naplatom neprihodujućih kredita. U uvodu se naglašava važnost teme u suvremenom bankarstvu, gdje su banke izložene brojnim izazovima i rizicima. U prvom dijelu rada analizira se definicija i uloga banaka u suvremenom bankovnom okruženju. S obzirom na brze promjene u financijskom sustavu, banke imaju ključnu ulogu u poslovnom svijetu, a njihova strategija i pristup upravljanju kreditnim rizikom postaju od presudne važnosti za održavanje stabilnosti i konkurentnosti banaka. Nadalje, rad se bavi temom kreditnog rizika u bankarstvu i prikazuje rizike s kojima se banke suočavaju kada odobravaju kredite klijentima. Posebna pažnja posvećena je neprihodujućim kreditima kao potencijalnoj prijetnji financijskoj stabilnosti banaka. Analiziraju se pristupi upravljanju neprihodujućim kreditima i proučavaju se strategije i postupci koje banke primjenjuju kako bi identificirale, procijenile i upravljale kreditnim rizikom. To uključuje analizu procesa kreditnog odobravanja, praćenje portfelja kredita i razvoj strategija za minimiziranje rizika. Najznačajniji dio rada posvećen je procesu naplate neprihodujućih kredita. Kroz primjere stvarnih situacija i strategija koje banke primjenjuju u praksi, istražuje se kako efikasna naplata potraživanja utječe na financijsku stabilnost banaka i smanjuje rizik od neprihodujućih kredita. Kroz sve navedene dijelove, cilj ovog rada je pružiti dublje razumijevanje i analizu ključnih aspekata upravljanja neprihodujućim kreditima u bankovnom sustavu. Kroz teoretski okvir i praktične primjere, rad istražuje strategije i pristupe koji pomažu bankama u smanjenju kreditnog rizika i očuvanju financijske stabilnosti.

Abstract (english)

„Debt collection as a management strategy for non-performing loans„ investigates key aspects of the banking sector related to credit risk management and collection of non-performing loans. The introduction emphasizes the importance of the topic in modern banking, where banks are exposed to numerous challenges and risks. The first part analyzes the definition and role of banks in the modern banking environment. Given the rapid changes in the financial system, banks play a crucial role in the business world, and their strategy and approach to credit risk management become crucial for maintaining the stability and competitiveness of banks. Furthermore, the work shows risks that banks face when granting loans to clients. Special attention is paid to non performing loans as a potential danger to the bank financial stability. Approaches to managing non-performing loans are analyzed and strategies and procedures used by banks to identify, assess and manage credit risk are studied. This includes analyzing the credit approval process, monitoring the loan portfolio and developing strategies to minimize risk. The most significant part of the work is devoted to the process of collecting non-performing loans. Through examples of real situations and strategies applied by banks in practice, it is investigated how efficient collection of receivables affects the financial stability of banks and reduces the risk of non-performing loans. Through all the mentioned parts, the purpose of this paper is to offer an insight to a deeper understanding and analysis of the key aspects of managing non-performing loans in the banking system. Through a theoretical framework and practical examples, the paper explores strategies and approaches that help banks reduce credit risk and preserve financial stability.

• Keywords: kreditni rizik; strategije upravljanja; naplata neprihodujućih potraživanja
• Keywords (english): credit risk; management strategies; collection of non-performing loans
• Language: croatian
• URN:NBN: urn:nbn:hr:148:409717
• Study programme: Title: Business economics; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: sveučilišni magistar ekonomije/sveučilišna magistra ekonomije (sveučilišni magistar ekonomije/sveučilišna magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2024-03-01 09:57:03