Lending to businesses and consumers

U redu detaljno je razrađena tema bankovnog kreditiranja kako poslovnih subjekata tako i potrošača. Opisani su povijesni razvoj kredita i kreditiranja te su pojmovno određeni navedeni pojmovi. Zatim su podijeljeni u vrste i podvrste te je svaka od navedenih detaljno opisana i razrađena. Navedeni su razni uvjeti koji se postavljaju pred zajmoprimca pri podnošenju zahtjeva za kreditom te razni oblici korištenja kreditiranja za poboljšavanje poslovanja poslovnih subjekata. Detaljno je opisan i cijeli proces od podnošenja zahtjeva za kreditiranjem do odobravanja kredita i primanja sredstava.The paper describes the theme of lending money to businesses and consumers by banks. The paper offers a thorough explanation of the historical development of lending and lending is being conceptually determined. After that it has been divided to types and subtypes and each of them is described in detail. The numerous conditions that have to be fulfilled have been listed by the borrower when making the loan application and also numerous ways of using lending money as a tool for improving business. Also the whole process of applying for a loan, from getting it to being approved, has been described in detail