undergraduate thesis
Rizici etičkih banaka

Helena Đurđević (2016)
University of Split
Faculty of economics Split
Metadata
TitleRizici etičkih banaka : završni rad
AuthorHelena Đurđević
Mentor(s)Roberto Ercegovac (thesis advisor)
Abstract
Brojna poslovanja diljem svijeta sve veću pozornost posvećuju etici poslovanja. Ona do izražaja najviše dolazi u trenutcima kada dođe do kontrakcija u gospodarstvima. Razlog tome je taj što su negativna kretanja unutar ekonomske sfere rezultat loših poslovnih odluka pojedinaca. Kao što su sva poslovanja pod utjecajem gospodarskih kontrakcija, ni bankarski sektor nije izuzetak. Stoga je cilj ovo rada definirati i analizirati nastale promjene u području bankarstva koje su se potakle sa svrhom da se zaustavi dodatno narušavanje već uzdrmanog bankarskog sektora. Slijedom navedenih okolnosti došlo je do stvaranja temelja za razvoj etičkih banaka koje su uvidjele postojeće nedostatke i potrebu za promjenom u načinu djelovanja banaka. One su „održive, socijalne, alternativne, razvojne i solidarne“, a djelovanje im je usmjereno je usmjereno na unaprjeđenju društva, okoliša i zajednice. Iako etičke banke uživaju sve veću popularnost unutar bankarskog sektora, šira javnost još uvijek nije dovoljno upoznata s takvim oblikom djelovanja. Podaci nam pokazuju kako ovakva vrsta banaka puno uspješnije posluje nego univerzalne banke, ali pritom se često zanemaruje opseg poslovanja i vrsta klijenata koje takve banke uzimaju. Rizici ovakvog koncepta su ti što sredstva koja etičke banke imaju nisu još uvijek dovoljna da utječu na ukupno financijsko tržište i ponašanje ulagača. Stoga se one mogu definirati kao određena vrsta reakcije na način djelovanja klasičnog bankarskog sektora. Razvoj etičke banke u Hrvatskoj traje već nekoliko godina te se kontinuirano odgađa njeno otvaranje. U teorijskom smislu kao takva bila bi od iznimnog značaja za razvoj poduzetništva u Hrvatskoj čime bi se od najnižih razina potakao gospodarski razvoj. Pitanja koja se na kraju postavljaju su ta hoće li ovakve banke doživjeti daljnji uzlet u bankarstvu ili će doživjeti neslavni slom? Mogu li one kao takve se izdignuti iznad već uhodanog i općepoznatog bankarskog sustava?
Keywordseconomic crises ethical bank universal banks risks Croatia
GranterUniversity of Split
Faculty of economics Split
PlaceSplit
StateCroatia
Scientific field, discipline, subdisciplineSOCIAL SCIENCES
Economics
Finance
Study programme typeuniversity
Study levelundergraduate
Study programmeBusiness Studies
Academic title abbreviationuniv. bacc.oec.
Genreundergraduate thesis
Language Croatian
Defense date2016
Parallel abstract (English)
Numerous businesses in the world give more and more attention to the ethics of business. It most comes to the fore talking about the contractions of businesses. The reason lies in the fact that the negative movements inside the economic sphere are the result of bad business decisions of individuals. Since all the businesses are under the influence of economic contractions, the banking sector does not make an exception. Thus, the aim of this thesis is to define and analyze the resulting changes in the banking area which were boosted with the purpose to stop the additional deteriorating of the already shaken banking sector. The mentioned circumstances influenced the process of creating the fundaments for the development of ethical banks which have foreseen the existing defects and the need to change the politics of banking operations. They are “maintainable, social, alternative, developing and solidary”, and their activity is directed to the improvement of the society, the environment and the community. Although the popularity of ethical banks under the banking sector is in constant increase, the public is still not quite familiarized with such type of operating. The data show that this type of banks has much better success in doing business than the universal banks, while the extent of operating and the type of clients which such banks have are often not being taken into consideration. The existing risks of such a concept are that the resources in their possession are still insufficient to enable them having an influence on the behavior of investors and on the financial market in total. So they can be defined as a sort of reaction to the operating of the classical banking sector. The development of ethical bank in Croatia is already in process for a couple of years, and its opening is continually being delayed. As such, theoretically it would have an extreme significance to the development of economy in Croatia, which would encourage the economic growth from its lowest levels. Will such banks live up to the future ascent or they will have an infamous collapse, and are they able to raise from the already established and well-known banking system are the questions that still remain to be answered?
Parallel keywords (Croatian)gospodarska kriza etička banaka univerzalne banke rizici Hrvatska
Resource typetext
Access conditionOpen access
Terms of usehttp://rightsstatements.org/vocab/InC/1.0/
URN:NBNhttps://urn.nsk.hr/urn:nbn:hr:124:295702
CommitterIvana Gizdić