Title | Analiza ponude potrošačkih kredita u Hrvatskim bankama |
Author | Martina Jaružanin |
Mentor(s) | Branko Matić (thesis advisor)
|
Abstract | U današnjom svijetu kojeg karakterizira brzo rastuća ekonomija i sve veći broj stanovnika,
potreba za novcem kao primarnim sredstvom financiranja rastućih potreba stanovništva,
dovela je do ekspanzije banaka, što je za posljedicu imalo sve veću i širu ponudi kako kredita
tako i zajmova. Utjecaj ekspanzije najviše se očitovao u sve većem broju zahtjeva za
kreditima, posebice onima potrošačkog karaktera. Banke u svojim ponudama potrošačkih
kredita nude potrošačke kredite temeljem kartice kao i potrošačke kredite za kupnju robe
široke potrošnje. S obzirom na to da banke odobravaju potrošačke kredite s točno određenom
namjenom, ova vrsta kredita poznata je i pod nazivom namjenski krediti. Tako se u ponudi
banke mogu pronaći potrošački krediti isključivo za kupnju motornih vozila ili financiranje
zdravstvenih usluga.
S obzirom na značaj koji potrošački krediti imaju u današnjem svijetu, ovaj završni rad
obrađuje tematiku potrošačkih kredita u hrvatskim bankama. U radu je prikazana usporedna
analiza ponude potrošačkih kredita u trima bankama: Addiko banci d.d., Splitskoj banci d.d. i
Privrednoj banci Zagreb d.d. U radu je naglašen odnos promatranih banaka u odnosu na
ukupnu imovinu šest najvećih banaka u Republici Hrvatskoj. Temeljne karakteristike kredita
kao što su namjena, moguća visina i valutu u kojoj se kredit odobrava, kao i visina nominalne
i efektivne kamatne stope i instrumenti osiguranja povrata kredita prikazani su u
istraživačkom dijelu rada. |
Keywords | banks consumer credit currency insurance instruments |
Parallel title (English) | Business analysis of consumer credit offers in Croatian banks |
Committee Members | Branko Matić (committee chairperson) Marina Stanić (committee member) Ivo Mijoč (committee member)
|
Granter | Josip Juraj Strossmayer University of Osijek Faculty of Economics in Osijek |
Lower level organizational units | Chair of Finance and Accounting |
Place | Osijek |
State | Croatia |
Scientific field, discipline, subdiscipline | SOCIAL SCIENCES Economics Finance
|
Study programme type | university |
Study level | undergraduate |
Study programme | Financial Management |
Academic title abbreviation | univ. bacc. oec. |
Genre | undergraduate thesis |
Language | Croatian |
Defense date | 2018-09-06 |
Parallel abstract (English) | In today's world characterized by a rapidly growing economy and an increasing number of
people, the need for money as the primary instrument of financing the growing needs of the
population has led to the expansion of banks, resulting in ever greater and wider offer of
loans. The impact of the expansion is most evident in the increasing number of loan
applications, especially those of consumer character. Banks in their consumer credit offer
offers consumer credit based on the card as well as consumer credits for the purchase of
consumer goods. Since banks approve consumer loans with a specific purpose, this type of
loan is also known as named loans. This is the reason why in banks consumer credit offer it
can be found consumer loans solely for the purchase of motor vehicles or the financing of
health services.
Given the importance of consumer credit in today's world, this final paper deals with the offer
of consumers credit through a comparative analysis of consumer credit supply in the three
Croatian banks: Addiko banci d.d., Splitskoj banci d.d. and Privredna banka Zagreb d.d. The
paper emphasizes the relationship between the observed banks and the total assets of the six
largest banks in the Republic of Croatia. Fundamental characteristics of loans such as the
purpose and the level of the loan in which the loan is granted, as well as the nominal and
effective interest rate and the loan repayment instruments are shown in the research part of the
paper. |
Parallel keywords (Croatian) | banke potrošački kredit valuta instrumenti osiguranja |
Resource type | text |
Access condition | Access restricted to students and staff of home institution |
Terms of use |  |
URN:NBN | https://urn.nsk.hr/urn:nbn:hr:145:793222 |
Repository | https://repozitorij.efos.hr |