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Primarna je funkcija banke osiguranje kredita svojim klijentima (kreiranje kredita i širenje kreditnog portfelja). Kredit se može definirati kao sposobnost pribavljanja vlasništva i primitka dobara za uporabu u sadašnjosti dok se za ta dobra plaćanje odgađa na neki datum u budućnosti. Glavno je obilježje kredita obveza njegova vraćanja, tj. obveza dužnika da uzeti kredit po isteku vremenskog razdoblja na koje je kreditni ugovor zaključen, odobreni iznos kredita vrati kreditoru. Iznos novca koji banka stavlja na raspolaganje i uplaćuje na račun zajmotražitelju predstavlja kredit. Dugoročnim kreditom obično se smatra kredit s rokom otplate dužim od pet godina. U radu je predstavljeno i dugoročno kreditiranje na primjeru Zagrebačke banke. Ova banka je dugi niz godina vodeća banka u Republici Hrvatskoj prema brojnim parametrima. Prednosti korištenja dugoročnog kreditiranja u ovoj banci su sljedeći: individualan pristup – Zagrebačka banka uvažava specifičnosti projekta i poduzetničke potrebe te predlaže optimalno financijsko rješenje. Nadalje, ZABA nudi povoljne izvore financiranja temeljem suradnje s razvojnim financijskim institucijama te ministarstvima i jedinicama lokalne samouprave. Konačno, ZABA nudi stručno savjetovanje pri planiranju investicije – dodijeljeni poduzetnički bankar pomaže klijentu u sastavljanju poslovnog plana i savjetuje ga kako na najbolji mogući način postaviti financijsku konstrukciju i maksimizirati učinke investicije. The primary function of the bank is to insure loans to its clients (creating loans and expanding the loan portfolio). A loan can be defined as the ability to acquire ownership and receive goods for use in the present while for those goods payment is deferred to some date in the future. The main feature of the loan is the obligation to repay it, ie the obligation of the debtor to take the loan after the expiration of the time period for which the loan agreement is concluded, to return the approved loan amount to the lender. The amount of money that the bank makes available and pays into the account of the borrower is a loan. A long-term loan is usually considered to be a loan with a repayment period of more than five years. The paper also presents long-term lending on the example of Zagrebačka banka. For many years, this bank has been the leading bank in the Republic of Croatia in terms of numerous parameters. The advantages of using long-term lending in this bank are the following: individual approach - Zagrebačka banka takes into account the specifics of the project and entrepreneurial needs and proposes the optimal financial solution. Furthermore, ZABA offers favorable sources of financing based on cooperation with development financial institutions and ministries and local self-government units. Finally, ZABA offers expert advice in investment planning - an assigned entrepreneurial banker assists the client in compiling a business plan and advises him on the best possible way to set up the financial construction and maximize the effects of the investment. |
