Short-Term Financing

Najjednostavnija definicija kredita odnosi se na sklapanje ugovora s kreditnom institucijom za primanje određenog zajma koji se u određenom vremenu mora otplatiti. Posuđeni novac klijent s kamatama mora vratiti u ugovoreno vrijeme. Krediti su potpora prilikom pokretanja poslovne aktivnosti, ali i tijekom odvijanja proizvodnje. Predmet istraživanja jest kratkoročno kreditiranje na primjeru OTP banke d.d. Cilj rada jest prezentirati i opisati ponudu kratkoročnih kredita OTP banke d.d. Razmatralo se kratkoročno kreditiranje malih, srednjih i velikih poduzetnika, obrtnika i građana. Analizom dostupnih informacija izvršena je klasifikacija kratkoročnih kredita koje u svom portfelju ima OTP banka d.d. Pokazalo se da veći broj kratkoročnih kredita banka nudi malim poduzećima i obrtnicima. Bez obzira na korisnike, banka mora procijeniti kreditnu sposobnost i bonitet klijenta kako bi osigurala vraćanje kredita po ugovoru.The simplest definition of a loan refers to concluding a contract with a credit institution to receive a certain loan that must be repaid in a certain time. The client must return the borrowed money with interest at the agreed time. Loans are great support when starting business activities, but also during production. The subject of the research is short-term lending on the example of OTP banka d.d. The aim of this paper is to present and describe the offer of short-term loans of OTP banka d.d. It was considered the short-term lending of small, medium and large entrepreneurs, craftsmen and citizens. By analyzing the available information, the classification of short-term loans that OTP banka d.d. has in its portfolio was performed. It turned out that the bank offers a larger number of short-term loans to small businesses and craftsmen. Regardless of the beneficiaries, the bank must evaluate the creditworthiness of the client to ensure the repayment of the loan under the contract