Kreditna aktivnost banaka u Hrvatskoj u usporedbi s kretanjima u Eurozoni

master's thesis

• Title (english): Bank lending activity in Croatia compared to movements in Euro area
• Author: Marija Pecotić
• Mentor: Marijana Ivanov (mentor)
• Committee member: Gordana Kordić (predsjednik povjerenstva)
• Committee member: Dajana Barbić (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2015-09-29, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Svojim djelovanjem banke doprinose stabilnosti i razvoju gospodarstva, a ujedno mogu biti
izvor krize i nestabilnosti. Svjetska financijska kriza utjecala je na kontrakciju kreditne
aktivnosti. U takvim okolnostima banke mijenjaju svoju averziju prema riziku, te dolazi do
izražaja njihova prociklična priroda djelovanja. Uz smanjenu ponudu, dolazi i do problema
na strani potražnje za kreditima. U uvjetima male, otvorene i visoko eurizirane zemlje,
učinci mjera monetarne politike biti će znatno ograničeni. S druge pak strane, područje
eurozone se osim sa procikličnosti prirode poslovanja banaka, suočava i sa
nehomogenošću sustava i neusklađenosti poslovnih ciklusa, što dodatno otežava
učinkovitosti mjera Europske centralne banke (ECB) u pokretanju kreditne aktivnosti.
Kreditni ciklus moći će biti potaknut osim impulsima sa strane ponude kredita, ujedno i sa
promjenom na pozitivna očekivanja sudionika na tržištu.

Abstract (english)

Through its activities the banks contribute to the stability and development of the
economy, and also can be a source of crisis and instability. The global financial crisis has
affected the contraction of lending activity. In such circumstances, banks change their
aversion to risk and their pro-cyclical nature of the activity reveal. With reduced supply,
there is also the problem on the demand side of the loans. In terms of small, open and
highly euroised country, the effects of monetary policy will be considerably limited. On
the other hand, the euro area, in addition to the pro-cyclicality nature of business banks,
faced with inhomogeneity of the system and non-compliance of business cycles, which
further hinders the effectiveness of the European Central Bank (ECB) in enhancing of
lending activity. The credit cycle will be driven not only by impulses from supply side of
the loans, but also with change towards positive expectations of market participants.

• Keywords: procikličnost; kreditna aktivnost; efikasnost monetarne politike; neprihodonosni krediti
• Keywords (english): procyclicality; bank lending activity; monetary policy efficiency; non-performing loans
• Language: croatian
• URN:NBN: urn:nbn:hr:148:952966
• 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: 2016-10-27 09:29:08