DISPARITETI U KAMATNIM STOPAMA NA KREDITE U IZABRANIM ZEMLJAMA EUROPE : Diplomski rad

Diplomski rad se odnosi na temu kamatnih stopa na kredite koje su bitna ekonomska veličina. Cilj ovog diplomskog rada je bio utvrditi postojanje dispariteta među odabranim zemljama Europe te analizirati utjecaj determinanti koje ih tvore. Determinante su podijeljene u tri skupine: makroekonomske, institucionalne te determinante financijskog sustava. Nakon provedene regresijske analize došlo se do rezultata o utjecaju pet regresorski varijabli na regresand varijablu kamatne stope na kredite. Te varijable su kako slijedi: inflacija, omjer kapitala i imovine, postotak nenaplativih kredita, snaga osobnih sloboda i pravne zaštite te strane direktne investicije. Smjer utjecaja svih regresorskih varijabli na regresand varijablu je pozitivan.Thesis is related to the subject of interest rates on loans that are essential economic size. The aim of this thesis was to determine the existence of disparities between selected countries in Europe and analyze the impact of determinants that form them. Determinants are split into three groups: macroeconomic, institutional and determinants of the financial system. Regression analysis led to the results on the impact of five regressor variables on regresand variable interest rates on loans. These variables are as follows: inflation, capital to assets ratio, the percentage of non-performing loans, the power of personal freedom and legal protection and foreign direct investment. Direction impact of regressors on regresand variable is positive