Credit Risks in Banking of the Countries in the Transitional Phase and the Possible Ways of Their Reduction in the Croatian Banking System

ECONOMIC, CULTURAL AND SPIRITUAL HERITAGE IN NATIONAL EUROPEAN AND GLOBAL TRANSITION, Gradjevinski fakultet Osijek, Zaklada za urbanu ravnotezu Slavonije, Opatija, Croatia

Posted: 9 Sep 2008 Last revised: 11 Sep 2008

See all articles by Branko Matic

Branko Matic

University of J.J. Strossmayer in Osijek - Faculty of Economics

Stjepan Stjepanek

affiliation not provided to SSRN

Date Written: June 18-20, 1996

Abstract

Practically, there is no human activity without being connected with some form of risk. A complexity of the activity is in a close connection with the risk level and, as a rule, the greater complexit leads to a greater risk. The importance of risk is stressed to a large extent in some sectors, such as financial institutions, especially banks. Risk is not a unique category. The most represented type of risk in credit is a credit risk. The optimization of risk has its positive effect on the total economic efficiency, prevents negative allocation of resources into marginal and unprofitable programs. At the same time, the credit risk size depends on total macroeconomic moves and institutional conditions. Internationalization of financial and credit courses, as a general tendency, expecially influences countries in transition.

Keywords: credit, transition, banking, macroeconomic, stability, internalization

JEL Classification: E5, G21, P3

Suggested Citation

Matic, Branko and Stjepanek, Stjepan, Credit Risks in Banking of the Countries in the Transitional Phase and the Possible Ways of Their Reduction in the Croatian Banking System (June 18-20, 1996). ECONOMIC, CULTURAL AND SPIRITUAL HERITAGE IN NATIONAL EUROPEAN AND GLOBAL TRANSITION, Gradjevinski fakultet Osijek, Zaklada za urbanu ravnotezu Slavonije, Opatija, Croatia, Available at SSRN: https://ssrn.com/abstract=1265570

Branko Matic (Contact Author)

University of J.J. Strossmayer in Osijek - Faculty of Economics ( email )

Gajev trg 7
Osijek, 31000
Croatia

HOME PAGE: http://www.efos.hr/nastavnici/bmatic/

Stjepan Stjepanek

affiliation not provided to SSRN

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