Vrednovanje kreditnih zahtjeva u sektoru građanstva

master's thesis

• Title (english): Evaluation of loan applications in retail sector
• Author: Petra Grežina
• Mentor: Drago Jakovčević (mentor)
• Committee member: Mihovil Anđelinović (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2016-05-09, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Sa prvom pojavom viška vrijednosti, dakle prije više stoljeća, ljudi počinju posuđivati
proizvode kako bi zadovoljili svoje trenutne potrebe. Ovaj akt se temeljio na međusobnom
povjerenju između onoga tko je posuđivao proizvod, vjerovnika, i onoga tko je primao taj
proizvod, dužnika. Vjerovnik, pri tome, ustupa određenu stvar dužniku, a ovaj mu treba vratiti
istovrsnu stvar ili drugu stvar iste vrijednosti.
Pojavom novca, stvara se novčani kredit. Budući da je novac specifična roba za koju se može
dobiti svaka druga roba, otvaraju se široke mogućnosti za širenje kredita.
Poslovi kreditiranja su aktivni bankarski poslovi, a samom kreditiranju prethodi
popunjavanje i razrada kreditnog zahtjeva koji se obrađuje pojedinačno za svakoga klijenta.
Svrha obrade kreditnog zahtjeva je plasirati kredit uz što manje moguće rizike. Cilj rada je
pobliže se upoznati sa terminologijom kredita, kreditnog procesa, objasniti rizike kreditiranja
te navesti neke kreditne zahtjeve i vidjeti njihove vrijednosti u sektoru građanstva.

Abstract (english)

With the first appearance of surplus value, kore centuries ago, people started to borrow
products to meet their current needs, this act is based on mutual trust between those who lend
product, creditors, and the one who received the product, the debtor. The lender ( or creditor ),
in fact, gives the debtor a certain thing and debtor needs to return the same thing or another
thing of equal value.
With the advent of money a cash loan is created. Because the money is specific goods for
which any other commodity can be obtained, wide range of possibilities for the expansion of
credit are open.
Credit operations are active banking jobs and the lending itself is preceded by filling in and
working out loan applications to be processed individually for each client. The purpose of
processing the loan application is to place the loan with the least possible risk. The aim is to
get to knom the terminology of loans and study various credit reguirements and their value in
the residential sector.

• Keywords: vjerovnik; dužnik; novac; bankarski poslovi; kredit
• Keywords (english): lender ( creditor); debtor; money; banking jobs; loan
• Language: croatian
• URN:NBN: urn:nbn:hr:148:190866
• Study programme: Title: Business 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: Access restricted to students and staff of home institution
• Created on: 2016-09-28 12:56:59