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Loan agreements in banking systems in the Republic of Croatia
Sabina Curi (2017)
VERN University of Applied Sciences
Cite this document

Curi, S. (2017). Analiza ugovora o kreditu u bankarskom sustavu Republike Hrvatske (Undergraduate thesis). Retrieved from https://urn.nsk.hr/urn:nbn:hr:146:187275

Curi, Sabina. "Analiza ugovora o kreditu u bankarskom sustavu Republike Hrvatske." Undergraduate thesis, VERN University of Applied Sciences, 2017. https://urn.nsk.hr/urn:nbn:hr:146:187275

Curi, Sabina. "Analiza ugovora o kreditu u bankarskom sustavu Republike Hrvatske." Undergraduate thesis, VERN University of Applied Sciences, 2017. https://urn.nsk.hr/urn:nbn:hr:146:187275

Curi, S. (2017). 'Analiza ugovora o kreditu u bankarskom sustavu Republike Hrvatske', Undergraduate thesis, VERN University of Applied Sciences, accessed 12 November 2019, https://urn.nsk.hr/urn:nbn:hr:146:187275

Curi S. Analiza ugovora o kreditu u bankarskom sustavu Republike Hrvatske [Undergraduate thesis]. Zagreb: VERN University of Applied Sciences; 2017 [cited 2019 November 12] Available at: https://urn.nsk.hr/urn:nbn:hr:146:187275

S. Curi, "Analiza ugovora o kreditu u bankarskom sustavu Republike Hrvatske", Undergraduate thesis, VERN University of Applied Sciences, Zagreb, 2017. Available at: https://urn.nsk.hr/urn:nbn:hr:146:187275

Metadata
TitleAnaliza ugovora o kreditu u bankarskom sustavu Republike Hrvatske
Title (english)Loan agreements in banking systems in the Republic of Croatia
AuthorSabina Curi
MentorIvana Vrcić (mentor)
GranterVERN University of Applied Sciences
Zagreb
Defense date and country2017-11-13, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Abstract
Bankarski sustav je kompleksan i enigmatičan za većinu građana. Ovaj se rad bavi proučavanjem ugovora o kreditu u bankarskom sustavu u Republici Hrvatskoj te se pokušava predočiti način poslovanja bankara s kreditima kao i sve mogućnosti koje postoje pri realizaciji kredita. Spominju se pojmovi poput zateznih i ugovornih kamata, vrste kredita koje banka nudi te se analizira i sam ugovor o kreditu. U radu je dano objašnjenje vrlo bitnog pojma valutne klauzule što je, jednostavnije rečeno, instrument kojim se banka štiti od rizika. Također, postavlja se i pitanje koliko su građani osviješteni kada se radi o kreditima te do kakvih sve posljedica može doći ukoliko se prije realizacije građani dobro ne informiraju. Jedan od primjera posljedica je švicarski franak koji je izazvao kolaps na tržištu novca. U trenutku kada je franak dosegao vrhunac, porasli su i dugovi za dužnike koji su realizirali kredite s valutnom klauzulom švicarskog franka. U radu se prikazuju događaji vezani uz kredite u švicarskim francima te se naglašava važnost upoznavanja s činjenicom koliko najmanja promjena tečaja može utjecati na građane koji su se zadužili.
Abstract (english)
The banking system is complex and enigmatic for most citizens. This work studies loan agreements in banking systems in the Republic of Croatia, by trying to visualize the banker's way of doing business with credits, and examining which options exist when lending the loan. It mentions the terms such as default interest and contract interest, the types of loans the banks are offering and the loan agreements itself. A very important notion of a currency clause is also explained, which is simply an instrument that protects the bank from the risk. This paper also questions how many citizens are aware of loans, and the consequences that may occur. An example of consequences is the Swiss franc that has caused a collapse in the money market. At the time when the franc reached a peak, debts were also raised for borrowers who made loans with the Swiss franc currency clause. This work follows the course of events with Swiss francs and explains why it is important to know how small changes can affect the citizens who have become indebted.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:146:187275
Study programmeTitle: Entrepreneurship Economics
Study programme type: professional
Study level: undergraduate
Academic / professional title: stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije (stručni/a prvostupnik/prvostupnica (baccalaureus/baccalaurea) ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of usehttp://rightsstatements.org/vocab/InC/1.0/
Created on2017-12-06 12:42:25