Pregled i analiza bankovnih usluga za građane

undergraduate thesis

• Title (english): Review and analysis of banking services for citizens
• Author: Josipa Bajrić
• Mentor: Ana Ivanišević Hernaus (mentor)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-06-16, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Bankarski sustav je temelj za rast i razvoj ukupnog financijskog sustava te vrlo važan pružatelj financijskih usluga građanima. U RH posluje 20 banaka koje građanima nude razne bankovne usluge (HNB, 2021). Velika raznovrsnost poslova koje današnje banke obavljaju dovelo je do toga da je teško odrediti jednu definiciju banke koja obuhvaća cjelokupno poslovanje. Sektorska distribucija primljenih depozita prema građanima, ujedno i najvažnija usluga, iznosila je 60,5% u drugom tromjesečju 2020. godine (HNB, 2021). Banke imaju važnu funkciju transfera za građane kao i za širu javnost preko kredita i drugih plasmana koje pružaju.
Pružanje usluga od strane banaka prema građanima ima jako veliku važnost. Za banke je vrlo bitna i segmentacija poslovnog tržišta kako bi prepoznale koje usluge je najbolje ponuditi i u kojem trenutku. Posebno su važni krediti koje nude. U današnje vrijeme veliku važnost imaju bezgotovinska plaćanja kao jedan od najčešćih oblika platnog prometa te su kao usluga banaka izuzetno važna. Obavljaju se prijenosom depozitnog novca s računa na račun. Beskontaktni način plaćanja i držanje novca na bankovnim računima u obliku bankovne usluge prisutni su kod svakog građana koji koristi bankovne usluge, ali u velikom broju građani, posebno starija populacija, plaćaju još uvijek gotovinom.

Abstract (english)

The banking system is the basis for the growth and development of the overall financial system and a very important provider of financial services to citizens. There are 20 banks operating in the Republic of Croatia that offer various banking services to citizens (HNB, 2021). The great variety of jobs that today's banks perform has made it difficult to define a single definition of a bank that encompasses the entire business. Sectoral distribution of received deposits to citizens is the most important service. Banks have an important transfer function for citizens as well as for the general public through loans and other placements they provide. The provision of services by banks to citizens is of great importance. Business market segmentation is also very important for banks in order to identify which services are best offered and at what time. They segment their consumers according to various criteria such as demographic segmentation: education level, gender, age and more. The loans they offer are especially important. Nowadays, non-cash payments are of great importance as one of the most common forms of payment and are extremely important as a service of banks. They are done by transferring deposit money from account to account. Contactless method of payment and holding money in bank accounts in the form of banking services are present in every citizen who uses banking services, but in a large number of citizens also pay in cash, especially the elderly population.

• Keywords: bankarski sustav; sektor građana; financijski sustav; krediti; bankovne usluge
• Keywords (english): banking system; citizens sector; financial system; loans; banking services
• Language: croatian
• URN:NBN: urn:nbn:hr:148:320052
• Study programme: Title: Business Economics; Study programme type: professional; Study level: undergraduate; Academic / professional title: stručni/a prvostupnik/ prvostupnica ekonomije (stručni/a prvostupnik/ prvostupnica ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to authenticated users
• Created on: 2021-06-16 11:30:15