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master's thesis
KREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA
Diplomski rad
Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics in Osijek, 2023. urn:nbn:hr:145:722605
Lukačević, Karla
Josip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
Chair of Finance and Accounting

Institutional repository: EFOS REPOSITORY

Cite this document

Lukačević, K. (2023). KREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA : Diplomski rad (Master's thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:145:722605

Lukačević, Karla. "KREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2023. https://urn.nsk.hr/urn:nbn:hr:145:722605

Lukačević, Karla. "KREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA : Diplomski rad." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, 2023. https://urn.nsk.hr/urn:nbn:hr:145:722605

Lukačević, K. (2023). 'KREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA : Diplomski rad', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, accessed 18 June 2024, https://urn.nsk.hr/urn:nbn:hr:145:722605

Lukačević K. KREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA : Diplomski rad [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek; 2023 [cited 2024 June 18] Available at: https://urn.nsk.hr/urn:nbn:hr:145:722605

K. Lukačević, "KREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA : Diplomski rad", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Economics and Business in Osijek, Osijek, 2023. Available at: https://urn.nsk.hr/urn:nbn:hr:145:722605

Metadata
TitleKREDITNI REJTING DRŽAVE I AGENCIJE ZA OCJENU KREDITNOG REJTINGA : Diplomski rad
Title (english)CREDIT RATING OF THE STATE AND CREDIT RATING AGENCY : Graduate paper
AuthorKarla Lukačević
MentorDomagoj Karačić (mentor)
Committee memberDomagoj Sajter (predsjednik povjerenstva)
Committee memberDomagoj Karačić (član povjerenstva)
Committee memberBlaženka Hadrović Zekić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Economics and Business in Osijek
(Chair of Finance and Accounting)
Osijek
Defense date and country2023-06-29, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Kreditni rejting predstavlja neovisno mišljenje o kreditnom riziku, odnosno procjenu mogućnosti i volje dužnika da u cijelosti i pravodobno podmiri sve dospjele obveze. Ako se govori o kreditnom rejtingu države, onda isti pokazuje sposobnost i spremnost države u otplati vanjskog i unutarnjeg duga. U procjeni kreditnog rejtinga države procjenjuju se makroekonomski pokazatelji poput BDP per capita, stope nezaposlenosti, stope inflacije i visine vanjskog duga, ali se u obzir uzimaju i drugi čimbenici, primjerice kako je država ispunjavala svoje obveze u prošlosti. Što je veći kreditni rejting države, to je veća i kreditna sposobnost države. Postoje tri velike agencije za ocjenu kreditnog rejtinga, a to su Fitch Ratings, Standard & Poor's i Moody's. Agencije iznose svoja mišljenja o kreditnom riziku određenog dužnika ili financijskog instrumenta te tako kreiraju svoju ocjenu kreditnog rejtinga koje označavaju simbolima, tj. slovima, brojevima ili njihovom kombinacijom. Ovaj diplomski rad razrađuje teoriju vezanu uz kreditni rejting, objašnjava institucionalni okvir Europske unije, ali i postavlja i odgovara na pitanje međusobne ovisnosti makroekonomskih pokazatelja i ocjene kreditnog rejtinga. U istraživačkom dijelu rada analizira se povezanost makroekonomskih pokazatelja s ocjenom kreditnom rejtinga, odnosno kretanje ocjene kreditnog rejtinga s obzirom na promjene realnog bruto domaćeg proizvoda, javnog duga, stope inflacije te nezaposlenosti.
Abstract (english)
Credit rating represents an independent opinion on credit risk, that is, an assessment of the debtor's ability and willingness to pay all due obligations completely and on time. If talking about the credit rating of the state, then it shows the ability and willingness of the country to repay its external and internal debt. In the assessment of the country's credit rating, macroeconomic indicators such as GDP per capita, unemployment rate, inflation rate and external debt are assessed, but other factors are also taken into account, for example, how the country fulfilled its obligations in the past. The higher the country's credit rating, the higher the country's creditworthiness. There are three major credit rating agencies: Fitch Ratings, Standard & Poor's and Moody's. Agencies present their opinions on the credit risk of a certain debtor or financial instrument and thus create their own credit rating, which they indicate with symbols, respectively letters, numbers or their combination. This graduate paper elaborates the theory related to credit rating, explains the institutional framework of the European Union, but also raises and answers the question of mutual dependence of macroeconomic indicators and credit rating assessment. In the research part of the paper, the connection between macroeconomic indicators and the credit rating is analyzed, i.e. the movement of the credit rating with regard to changes of real gross domestic product, public debt, inflation rate and unemployment.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:145:722605
Study programmeTitle: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: sveučilišni magistar/magistra ekonomije (sveučilišni magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2023-07-05 15:55:24