Sustav ranog upozorenja kao instrument upravljanja rizicima na primjeru hrvatske poslovne banke

master's thesis

• Title (english): Early warning system as a risk management instrument on the example of the Croatian commercial bank
• Author: Vlatka Rajšić
• Mentor: Davor Labaš (mentor)
• Committee member: Martina Sopta (predsjednik povjerenstva)
• Committee member: Andrija Sabol (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Managerial Economics); Zagreb
• Defense date and country: 2019-09-23, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Economics of Entrepreneurship

Abstract

Diplomski rad „Sustav ranog upozorenja kao instrument upravljanja rizicima na primjeru hrvatske poslovne banke“ sadržajno je koncipiran u pet cjelina. Nakon uvodnih riječi, objašnjava se pojam i značaj koji nosi kriza općenito, nakon čega se raščlanjuje teorijski pogled na financijsku krizu od koncepta koji predviđa nastup bankarske krize. Treće poglavlje rada obrađuje sustave ranog upozorenja prikazujući njihov razvoj kroz povijesna razdoblja, ističe kriterijsku klasifikaciju sustava ranog upozorenja te objašnjava njihovo funkcioniranje kroz pet ključnih faza. Četvrti dio rada prikazuje primjenu sustava ranog upozorenja kao instrumenta upravljanja rizicima na primjeru hrvatske poslovne banke kroz proces njihove implementacije te navodi vrste signala ranog upozorenja koji se pri tome razlikuju ovisno o njihovoj relevantnosti. U posljednjem, petom poglavlju, sažeti će se zaključna razmatranja cjelokupnog teorijskog koncepta prožetog radom.
Cilj rada jest identificirati problematiku koja proizlazi iz posljedica nastalih tržišnih diskontinuiteta te pri tome naglasiti važnost i svrhu sustava ranog upozorenja kao instrumenta pomoću kojeg je moguće suočiti se s krizom te ju uspješno prevenirati. Također će se objasniti da primjena sustava ranog upozorenja kao instrumenta upravljanja rizicima mora biti konstantan proces kako bi postao strateški alat za postizanje poslovne učinkovitosti. Argumentirati će se stav kako primjena sustava ranog upozorenja u poslovanju označava spremnost na prihvaćanje promjena te potencijalno iskorištavanje prilika za strateško i operativno preusmjeravanje poslovanja. Ujedno, cilj rada je spoznati da rizik nužno ne predstavlja prijetnju promatranom sustavu, već naprotiv, može postati njegova najveća prilika za uspostavu konkurentske prednosti. Na primjeru hrvatske poslovne banke, dokazati će se uloga sustava ranog upozorenja u prepoznavanju potencijalno rizičnijih skupina klijenata i sprječavanju nastupa kriznih scenarija.
Jasno je kako sustavi ranog upozorenja u današnjim turbulentnim uvjetima poslovanja predstavljaju preduvjet uspjeha i održivosti. Treba biti svjestan kako dobro planirana i provedena reakcija u slučaju prijetnji iz okoline može biti snaga održivosti poduzeća te potencijal za „skok“ u poslovnom razvoju. Sukladno tome, ključno je da poduzeća razviju svijest o ulozi i snazi indikatora ranog upozorenja te da njihove mehanizme implementiraju u kulturu vlastitog djelovanja.

Abstract (english)

Master's thesis „Early warning system as a risk management instrument on the example of the Croatian Commercial bank“ is substantially conceptualized into five sections. After the introduction, the concept and significance of crisis in general are explained, after which the theoretical view of the financial crisis is divided from the concept that predicts the onset of the banking crisis. The third chapter deals with early warning systems, depicting their development through hictorical periods, emphasizes the criterion classification of the early warning system and explains their functioning through five key phases. The fourth part presents the application of the early warning system as an instrument of risk management based on the example of a Croatian Commercial Bank through the process of their implementation, and lists the types of early warning signals that differ depending on their relevance. In the last, fifth chapter, will summarize the concluding considerations of the whole theoretical concept imbued in the paper.
Master's thesis „Early warning system as a risk management instrument on the example of the Croatian Commercial bank“ investigates the role and applicability of early warning indicators in contemporary business conditions.
The aim of the paper is to identify issues arising from the consequences of emerging market discontinuities and at the same time, emphasize the importance and purpose of the early warning system as an instrument to deal with the crisis and successfully prevent it. It will also be explained that the application of the early warning system as a risk management instrument must be a constant process in order to become a strategic tool for achieving business efficiency. It will be argued that the application of an early warning system in business signifies a willingness to embrace change and the potential seizing of opportunities for strategic and operational reorientation of business. At the same time, the aim is to recognize that risk does not necessarily represent a threat to the observed system but, on the contrary, may become its greatest opportunity for establishing a competitive advantage. The role of the early warning system in identifying potentially more risky client groups and preventing the occurrence of crisis scenarios will be demonstrated in the example of the Croatian Commercial Bank.
It is clear that in today's turbulent business environment, early warning systems are a prerequisite for success and sustainability. One should be aware of how well planned and implemented response to environmental threats can be the strength of enterprise sustainability and potential for a „jump“ in business development. Accordingly, it is crucial for companies to
develop awareness of the role and strenght of early warning indicators and to implement their mechanisms into a culture of their own action.

• Keywords: kriza; upravljanje rizicima; bankarski sustav; sustav ranog upozorenja; regulativa
• Keywords (english): crisis; risk management; banking system; early warning system; regulations
• Language: croatian
• URN:NBN: urn:nbn:hr:148:771221
• 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: Open access
• Created on: 2019-09-24 10:22:17