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Kvaliteta kreditnoga portfelja banaka u Republici Hrvatskoj

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  • Ploh Matija

Abstract

Ciljevi rada su prikazati determinante koje utječu na kvalitetu kreditnoga portfelja banaka, analizirati kvalitetu kreditnoga portfelja banaka u Republici Hrvatskoj te prikazati kako banke upravljaju kreditnim portfeljem kod kojeg je naplata neizvjesna. Korištenjem metode deskripcije prikazane su odrednice koje utječu na kvalitetu kreditnoga portfelja banaka dok je komparativnom metodom provedena sektorska i namjenska struktura neprihodonosnih kredita banaka u Republici Hrvatskoj. Kao posljedica utjecaja krize na gospodarstvo, regulatornih promjena u vrednovanju kreditnoga portfelja banaka i ostalih aktivnosti došlo je do promjena u kvaliteti kreditnoga portfelja banaka. Analiza dostupnih izvještaja i podataka međunarodnih institucija ukazuje da su pravosudni postupci u Republici Hrvatskoj dugotrajni što umanjuje mogućnost naplate. Propisi i postupci trebaju omogućavati brže i efkasnije rješavanje naplate potraživanja što posljedično utječe na kvalitetu kreditnog portfelja banke. Time se stvara zdrava osnova za kreditnu aktivnost banaka prema realnom sektoru, kao najvažnijem pokretaču rasta i razvoja nacionalnog gospodarstva

Suggested Citation

  • Ploh Matija, 2018. "Kvaliteta kreditnoga portfelja banaka u Republici Hrvatskoj," FIP - Journal of Finance and Law, Effectus - University College for Law and Finance, vol. 6(1), pages 75-90.
  • Handle: RePEc:eff:journl:v:6:y:2018:i:1:p:75-90
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    More about this item

    Keywords

    determinante kvalitete kreditnoga portfelja banaka; analiza kvalitete kreditnoga portfelja banaka; upravljanje problematičnim kreditnim portfelj;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G28 - Financial Economics - - Financial Institutions and Services - - - Government Policy and Regulation
    • G33 - Financial Economics - - Corporate Finance and Governance - - - Bankruptcy; Liquidation

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