ANALYSIS OF BANKING OPERATIONS ON THE EXAMPLE OF RAIFFEISEN BANK, ZAGREB BANK AND OTP BANK

U radu je obrađena tematika vezana uz bankarsko poslovanje, odnosno studentske kredite te njihov pojam, isto tako obrađeni su pojmovi poput banke i njezinog razvoja. Nadalje, u srednjem dijelu rada obrađena je problematika bankarskih poslova koji se javljaju u nekoliko oblika. Danas u brzom načinu življenja i funkcioniranja, uslijed nedostatka financijskih sredstava za svoje obrazovanje i školovanje, razne banke nude svojim klijentima kredit za studiranje. Ovaj oblik kredita predstavlja pravu inovaciju na tržištu iz razloga što omogućava ljudima da iskoriste mogućnost kreditiranja za svoje obrazovanje, što u prošlosti nije bilo moguće. Posljednjih godina je se javlja trend uzimanja studentskih kredita, naravno javlja se i problematika kod osoba da lažiraju da im treba za školovanje, no banka se ne bavi s tim već prati da li redovno korisnik uplaćuje navedenu svotu.The paper deals with topics related to banking, ie student loans and their concept, as well as concepts such as the bank and its development. Furthermore, in the middle part of the paper, the issue of banking transactions that occur in several forms is addressed. Today, in the fast-paced way of living and functioning, due to the lack of financial resources for their education and schooling, various banks offer their clients a loan to study. This form of credit represents a real innovation in the market for the reason that it allows people to use the opportunity to credit for their education, which was not possible in the past. In recent years, there has been a trend of taking student loans, of course there is a problem with people to fake that they need for schooling, but the bank does not deal with it but monitors whether the user regularly pays the amount