Implementacija Basel III standarda i usklađenost regulacije banaka u Republici Hrvatskoj s regulacijom u Europskoj uniji

master's thesis

• Title (english): Implementation of Basel III and compliance of the banks regulation in the Republic of Croatia to the one at the European union level
• Author: Ivana Kos
• Mentor: Branka Tuškan (mentor); MBZ: 306803
• Committee member: Anita Pavković (predsjednik povjerenstva)
• Committee member: Jakša Krišto (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2020-07-01, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics

Abstract

Banke su tradicionalno najznačajnije financijske institucije čiji se opseg usluga značajno proširio u posljednjih dvadesetak godina. Širenjem spektra usluga, banke su sve više izložene rizicima. Najznačajniji rizik kojem su banke izložene je kreditni rizik kojem se stoga pridaje najviše pozornosti. S ciljem održavanja stabilnosti i sigurnosti financijskog sustava te održavanja usklađenosti strategije upravljanja rizicima i vlastitih kapitala osnovani su međunarodni sporazumi Basel I, Basel II i Basel III. Sporazumi su kroz direktive i smjernice implementirani u nacionalne regulative zemalja članica ustupivši nacionalnim regulatorima prostor za oštrijim propisima u tom dijelu. Članstvom u Europskoj uniji, Republika Hrvatska se obvezala provoditi zakone propisane od strane tijela Europske unije te je u skladu s time Republika Hrvatska Direktivu o kapitalnim zahtjevima CRD IV implementirala u Zakon o kreditnim institucijama (ZOKI).

Abstract (english)

Banks are traditionally the most important financial institutions whose range of services that they provide has expanded significantly in recent years. Expanding the range of services, banks are increasingly exposed to various risks. However, the most significant risk, that the banks are exposed to and pay the most attention to flat sense, is credit risk. With the aim of maintaining the stability and security of the financial system and maintaining the consistency of the risk management strategy and capital ratio, international agreements Basel I, Basel II and Basel III have been established. The agreements were implemented through directives and guidelines into the national regulations of the member states, giving space to national regulators for more rigid regulation. Becoming a member state of the European Union, Croatia obligated itself to implement the laws prescribed by the bodies of the European Union, specifically Croatia has implemented the Capital Requirements Directive CRD IV into the Law on credit institutions (ZOKI).

• Keywords: banke; bazelski standardi; bankovna regulacija; rizici; kapitalni zahtjevi
• Keywords (english): banks; basel standards; banks regulation; risks; capital requirements
• Language: croatian
• URN:NBN: urn:nbn:hr:148:689497
• 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: 2020-07-01 15:59:33