BANKOVNA KRIZA I STRATEGIJE UPRAVLJANJA KRIZOM – PRIMJER ODABRANE HRVATSKE BANKE : Završni rad

U ovom Završnom radu obrađena je tema bankovna kriza i strategije upravljanja krizom s primjerom organizacije praćenja krize u jednoj hrvatskoj banci. Obzirom na razmjere zadnje financijske krize na nivou EU donešen je niz novih regulatornih zahtjeva čija primjena ima za cilj uspješnije i pravovremeno prepoznavanje rizika koji mogu dovesti do nastanaka i financijske i bankovne krize jer su obje usko povezane. Uzroci bankovnih kriza su propusti kako u makroekonomskom okruženju tako i sve više na mikroekonomskoj razini. Upravljanje krizom je vrlo zahtjevno zbog nepostojećih recepata i zbog sve većeg razvoja, širine i kompleksnosti bankovnih financijskih proizvoda. Višegodišnjim iskustvom rada u banci uočila sam da osnovni problem nije samo u širokoj lepezi proizvoda koji se nude već i nedovoljnoj educiranosti sudionika, korisnika tih proizvoda. Zbog toga velik dio EU direktiva koje su preuzele sve zemlje članice EU, odnose se i na bolju zaštitu potrošača kroz transparentne informacije što znači i zahtjeve za boljom financijskom edukacijom posebno u ekonomijama poput RH. Sljedom toga, glavni fokus banaka interno se usmjerio upravo na, ne samo statistički mjerljive rizike, nego i njihovo kvanitativno praćenje posebno operativnih rizika koji su se pokazali glavnim generatorom zadnje financijske krize.This final work focuses on the banking crisis and crisis management strategies with an example of one Croatian bank. Considering the proportion of last financial crisis, a set of many new regulatory requirements has been brought on EU level. Implementation of those requirements as a goal has successful recognition of risks that may lead to causing financial and banking crises which are closely connected. The causes of banking crises are not only macroeconomic, but microeconomic omissions as well. Crisis management is very challenging because of non-existable verified solutions and growing development (in terms of number, width and complexity) of banking financial products. During my work experience in banks, I noticed that the main problem isn't only the wide variety of products but also poor education of its users. Exactly for this reason, many EU directives that were implemented by EU members are focused on better consumer protection through offering transparent information. This also leads to demands for better financial education, especially in economies like Croatia. According to that, the main focus of banks has been internally directed to not only statistically measurable risks, but also quantitative monitoring operational risks which turned out as key generator of last financial crisis