THE IMPORTANCE BANKING LENDING TO THE ECONOMY OF THE REPUBLIC OF CROATIA

Svrha i glavni cilj ovog završnog rada je objasniti značaj bankovnog kreditiranja za gospodarstvo Republike Hrvatske. Rad je koncipiran tako da se sastoji od dva dijela. Prvi dio rada je teorijski dio u kojem se definira bankarstvo, bankarska načela te vrste bankarskih poslova. U ovom prvom dijelu rada naglasak će se staviti na aktivne bankarske poslove iz razloga što se krediti ističu kao najvažniji. U procesu gospodarskog rasta i društvenog razvitka banke imaju važnu ulogu. Krediti, odnosno njihova raspoloživost najpoznatija je i možda najvažnija funkcija koju osiguravaju banke uz usluge obavljanja platnog prometa, primanja depozita. Stoga se u drugom dijelu rada osobita pozornost pridaje kreditima te se prati njihov utjecaj na gospodarstvo kroz povezanost s ekonomskim varijablama kao što su kamatna stopa, bruto domaći proizvod, nezaposlenost, investicije.The purpose and main objective of this final work is to explain the importance of bank lending to the economy of the Republic of Croatia. The work consists of two major parts. The first part of the work is the theoretical part defining banking, banking principles and banking. In this first part of the work, emphasis will be placed on active banking activities because the loans stand out as most important. In the process of economic growth and social development, banks play an important role. Loans and their availability are the most important and perhaps the most important function provided by the banks with the payment service, deposits receiving. Therefore, in the second part, special attention is paid to loans and their impact on the economy is monitored through links to economic variables such as interest rates, gross domestic product, unemployment, and investment