Analiza korportivnog upravljanja u hrvatskom bankarskom sektoru

master's thesis

• Title (english): Analysis of corporate governance in the croatian banking sector
• Author: Marko Ivanković
• Mentor: Domagoj Hruška (mentor)
• Committee member: Darko Tipurić (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2015-12-22, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Korporativno upravljanje definirano je kao skup odnosa između menadžmenta, uprave, nadzornog odbora, dioničara i svih interesno-utjecajnih skupina, a glavna zadaća mu je osigurati strateško vođenje banke, učinkovit nadzor i društveno odgovorno poslovanje. To je osobito važno u bankarskom sektoru zbog njegovog značaja za cjelokupno gospodarstvo. Dobar sustav korporativnog upravljanja temeljni je preduvjet održivog ekonomskog rasta te povećanja efikasnosti gospodarskog sustava.
Koncentracija vlasništva je značajan interni mehanizam korporativnog upravljanja jer u velikoj mjeri određuje odnos vlasnika i menadžera. Postoje dvije situacije koncentracije vlasništva: vrlo disperzirano vlasništvo,odnosno niska koncentracija vlasništva i vrlo visoka koncentracija vlasništva.
Banke se međusobno razlikuju po visini svoje aktive, klijentima, spremnosti na preuzimanje rizika, broju poslovnica i podružnica pa se ne može očekivati da će se organizirati ili upravljati rizicima na jedinstveni način. Primarnu odgovornost za upravljanje bankom odnosno za njen ustroj i organizaciju, određivanje ciljeva i strategije poslovanja te politike rizika, raspored ovlasti i odgovornosti, uspostavljanje adekvatnih linija izvještavanja te funkcija unutarnjih kontrola, snose uprava i nadzorni odbor. Uprava banke treba definirati postupke i dokumente koji se odnose na razdvajanje dužnosti i sprječavanje sukoba interesa. Također, treba odobravati i pregledavati strategije i politike preuzimanja, upravljanja i praćenja rizika uključujući i rizike koji proizlaze iz makroekonomskog okruženja i poslovnog ciklusa.
Ovaj rad ima za cilj dati cjelokupan prikaz stava u korporativnom upravljanju u hrvatskim bankama.

Abstract (english)

Corporate governance is defined as a set of relationships between managers, management, supervisory board, shareholders and all the stakeholders, and the main task is to ensure the strategic guidance of the bank, effective supervision and corporate social responsibility. This is particularly important in the banking sector due to its importance for the overall economy. A good corporate governance system is the basic postulate of sustainable economic growth and increase in economic system efficiency. Ownership concentration is a significant internal mechanism of corporate governance because it greatly defines the relationship between owner and manager. There are two types of ownership concentration: low ownership concentration and very high ownership concentration. Banks are different in the amount of their assets, customers, willingness to take risks, the number of branches and subsidiaries, and they can not be expected to organize and manage the risks in a unique way. The primary responsibility for the management of the bank and for its structure and organization, setting goals and business strategy and risk policy, distribution of authorities and responsibilities, the establishment of appropriate reporting lines and internal control functions, shall be borne by the management and supervisory board. Bank management should define the procedures and documents relating to separation of duties and prevention of conflicts of interest. Also, should approve and review the strategies and policies for taking, management and monitoring of risks, including risks arising from the macroeconomic environment and the business cycle. This work aims to give a full presentation of the paragraph in corporate governance in Croatian banks.

• Keywords: banka; korporativno upravljanje; nadzorni odbor; menadžment
• Keywords (english): bank; corporate governance; supervisory bord; management
• Language: croatian
• URN:NBN: urn:nbn:hr:148:024106
• 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: 2016-11-02 14:27:30