Bankovno kreditiranje za građane i poduzeća

undergraduate thesis

• Title (english): Bank lending for citizens and enterprises
• Author: Gabrijela Vrkić
• Mentor: Ana Ivanišević Hernaus (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2024-09-30, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Krediti je ugovor u kojem se zajmodavac, najčešće banka, daje imovinu ili novac zajmoprimcu, a zajmoprimac se obvezuje na povrat novca ili imovine, obično zajedno s kamatama, u nekom budućem trenutku i to na vrijeme. Novac za kredite banka kupuje kao depozite građana i zatim taj novac prodaje u obliku kredita ili vrijednosnih papira. Bankovni krediti su najvažniji oblik financiranja poduzeća i najvažniji oblik financiranja potrošnje za građane. Svaki komitent banke prije nego što se odluči za kredit mora dobro razmisliti o svim mogućim pozitivnim i negativnim stavkama koje mogu utjecati na njegovu svakodnevicu, stoga je bitno da se komitent dobro informira o svemu što je potrebno znati prije podizanja kredita. Naprimjer kamatnoj stopi koja je u Hrvatskoj u odnosu na odabrane zemlje za građane za stambene kredite dosta visoka dok je za poduzeća u odnosu na ostale zemlje niža. U završnom su se kao izvori podataka koristile knjige, časopisi, internetske stranice prema kojima je napravljena analiza, cilj rada je pobliže objasniti sam pojam kredita, njegove vrste i utjecaj koji ima na građane i poduzeća.

Abstract (english)

Credit is a contractual agreement in which a borrower receives something of value often money and agrees to pay for it later. Money that is used for loans, bank buys from as a deposit from citizens and then sells that money in the form of loans or securities. Bank loans are the most important of financing for enterprises and the most important form of consumption financing for citizens. Every client of a bank, before deciding on loans, must think carefully about all possible positive and negative things that can affect his everyday life. Therefore, it is important that the client is well-informed about everything that needs to be known before taking out a loan. For example, the interest rate in Croatia, compared to selected countries, is quite high for citizens for housing loans, while it is lower for companies compared to other countries. In the final paper, books, magazines, and websites were used as sources of data, according to which the analysis was made, the aim of the work is to explain in more detail the concept of credit, its types and the impact it has on citizens and enterprises.

• Keywords: kredit; vjerovnik; banka; komitent; kamata
• Keywords (english): loan; creditor; bank; client; interest
• Language: croatian
• URN:NBN: urn:nbn:hr:148:001305
• Study programme: Title: Business economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: prvostupnik (baccalaureus) ekonomije/prvostupnica (baccalaurea) ekonomije (prvostupnik (baccalaureus) ekonomije/prvostupnica (baccalaurea) ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2024-10-01 17:08:48