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master's thesis
PROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE
Diplomski rad
2021. urn:nbn:hr:124:495752
Lerotić, Ivana
University of Split
Faculty of economics Split

Cite this document

Lerotić, I. (2021). PROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE : Diplomski rad (Master's thesis). Split: University of Split, Faculty of economics Split. Retrieved from https://urn.nsk.hr/urn:nbn:hr:124:495752

Lerotić, Ivana. "PROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE : Diplomski rad." Master's thesis, University of Split, Faculty of economics Split, 2021. https://urn.nsk.hr/urn:nbn:hr:124:495752

Lerotić, Ivana. "PROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE : Diplomski rad." Master's thesis, University of Split, Faculty of economics Split, 2021. https://urn.nsk.hr/urn:nbn:hr:124:495752

Lerotić, I. (2021). 'PROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE : Diplomski rad', Master's thesis, University of Split, Faculty of economics Split, accessed 31 January 2025, https://urn.nsk.hr/urn:nbn:hr:124:495752

Lerotić I. PROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE : Diplomski rad [Master's thesis]. Split: University of Split, Faculty of economics Split; 2021 [cited 2025 January 31] Available at: https://urn.nsk.hr/urn:nbn:hr:124:495752

I. Lerotić, "PROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE : Diplomski rad", Master's thesis, University of Split, Faculty of economics Split, Split, 2021. Available at: https://urn.nsk.hr/urn:nbn:hr:124:495752

Metadata
TitlePROCJENA KREDITNE SPOSOBNOSTI MALIH I SREDNJIH PODUZEĆA NA PRIMJERU XY BANKE : Diplomski rad
AuthorIvana Lerotić
MentorLjiljana Vidučić (mentor)
MBZ: 064714
GranterUniversity of Split
Faculty of economics Split
Split
Defense date and country2021-08, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Važna sastavnica svakog nacionalnog gospodarstva su mala i srednja poduzeća. Odlikuje ih fleksibilnost i inovativnost, ali često je njihov rast i razvoj ograničen. Budući se dominantno oslanjaju na bankarske kredite, njihova veličina, neizvjesnost poslovanja i nedostatak imovine za pokriće onemogućavaju im osiguranje dostatnih financijskih sredstava jer banke zbog mogućeg povećanja izloženosti još uvijek radije kreditiraju kućanstva te velika poduzeća. Kako bi im se odobrilo kreditiranje, poduzeća moraju proći procese procjene kreditne sposobnosti koji uključuju detaljne analize financijskih i nefinancijskih pokazatelja. Procjena se radi u svrhu zaštite banke od novih kreditnih gubitaka jer upravo kreditni rizik ima značajan utjecaj na poslovanje banke, a banka kao i sva poduzeća teži pozitivnom rezultatu poslovanja.
Abstract (english)
Important elements of every national economy are small and medium-sized enterprises. What characterizes them is flexibility and innovation, but their growth and development is often limited. Because they predominantly rely on bank loans, their size, business uncertainty and asset deficiency to cover disable them from securing sufficient financial resources because banks, due to a possible increase in exposure, still rather to lend to households and large enterprises due to a possible increase in exposure. In order to be granted credit, businesses must go through the credit assessment processes which includes detailed analysis of financial and non-financial indicators. The assessment is made for the purpose of protecting the bank from new credit losses, since credit risk has a strong impact on the bank's operations, and the banks, just like any other company, strive for a positive business results.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:124:495752
Study programmeTitle: Business Studies
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2021-10-26 13:35:50