Title Analiza izvora sredstava hrvatskih kreditnih institucija
Title (english) Funds analysis of Croatian Credit Institutions
Author Gordana Bošnjak
Mentor Manuel Benazić (mentor)
Committee member Dean Učkar (predsjednik povjerenstva)
Committee member Manuel Benazić (član povjerenstva)
Committee member Marta Božina Beroš (član povjerenstva)
Granter University of Pula (Faculty of economics and tourism "Dr. Mijo Mirković") Pula
Defense date and country 2018-07-05, Croatia
Scientific / art field, discipline and subdiscipline SOCIAL SCIENCES Economics Finance
Abstract Najznačajnije institucije u kontekstu kreditnih institucija su banke. Gotovo sva istraživanja u svezi događanja na financijskom tržištu uglavnom se temelje na njima, s obzirom da su one nositelji glavnine događanja na istome.
U kontekstu financiranja kreditnih institucija, moguće je govoriti o dvije osnovne skupine, a misli se na depozitne i nedepozitne izvore financiranja. Na njihovu visinu, ali i strukturu utječe čitavi niz čimbenika, dugoročnih i kratkoročnih utjecaja koji se odražavaju na nacionalno i međunarodno financijsko tržište. S druge strane, njihovo analiziranje daje niz mogućnosti u smislu procjene uspješnosti bankarskog sektora neke države, financijskog potencijala banka i ostaloga.
Vodeći izvor, odnosno instrument financiranja kreditnih institucija u Hrvatskoj su depoziti, a na njihovu strukturu utjecali su brojni čimbenici u posljednjih nekoliko godina. Promjene su evidentne i u kontekstu ostalih izvora financiranja, no navedene oscilacije i promjene nisu umanjile realan financijski potencijal ovih institucija. U posljednjih 10-ak godina izvori financiranja banaka doživljavaju značajnije promjene, kako u vrijednostima tako i u udjelima u ukupnim financijskim sredstvima, a na to su uvelike utjecale promjene na međunarodnom financijskom tržištu, kao i pojava svjetske ekonomske krize. U posljednjim godinama izvori financijskih sredstava kreditnih institucija u Hrvatskoj su izdašniji, a troškovi tih izvora manji, nakon stabilizacije kriznog razdoblja.
Abstract (english) Banks are the most important institutions in the context of credit institutions. Almost all credits relating to events in the financial market are, mainly, based on banks, since banks are the holders of the majority of events thereof.
In the context of financing credit institutions, it is possible to speak about two basic groups, namely deposit and non-deposit sources of funding. There are a series of factors influencing their amount, long-term and short term influences that are reflected in the national and international financial market. On the other side, their analysis gives a series of possibilities in terms of success of the banking sector on a country, financial potential of the banks and other. The leading source, namely the instrument of financing credit institutions in Croatia are deposits, whose structure has been influenced by many factors in the last few years. Changes are evident also in the context of other sources of financing, but those oscillations and changes have not diminished the real financial potential of those institutions. In the last ten years sources of financing banks have experienced to important changes, both in values and in shares of total financial resources, and that has been highly influenced by the changes in the international financial market, as well as the emergence of the world economic crisis. In the last years, after the stabilization of the crisis period, sources of financial resources of credit institutions in Croatia are more consistent, their expenses lower.
Keywords
kreditne institucije
izvori sredstava
Republika Hrvatska
svjetska financijska kriza
troškovi financiranja.
Keywords (english)
credit institutions
sources of funds
Republic of Croatia
world financial crisis
financing expenses
Language croatian
URN:NBN urn:nbn:hr:137:302118
Study programme Title: Business Economics; specializations in: Financial Management, Marketing Management, Management and Entrepreneurship, Tourism and Development, Business Informatics Course: Financial Management 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 Open access
Terms of use
Created on 2019-01-09 20:49:53