Kreditne (rejting) agencije i njihov utjecaj na ukupnu ekonomsku stabilnost

master's thesis

• Author: Domagoj Ćutić
• Mentor: Nenad Rančić (mentor)
• Committee member: Nenad Rančić (predsjednik povjerenstva)
• Committee member: Ozren Pilipović (član povjerenstva)
• Committee member: Zrinka Erent-Sunko (član povjerenstva)
• Granter: University of Zagreb; Faculty of Law; (Economic Sciences); Zagreb
• Defense date and country: 2022-09-15, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Law

Abstract

Tema ovog diplomskog rada su kreditne agencije. Motiv za odabir ove teme je ponajprije njihov utjecaj na današnju ekonomiju, odnosno pobliže proučiti način na koji rejting agencije dodjeljuju kreditni rejting, faktori odlučujući prilikom davanja ocjene, koje podatke pritom prikupljaju, informacije relevantne za formiranje kreditne ocjene i uvjeti za promjenu iste.
Motiv je postojao od početka globalne ekonomske krize. Svjetska ekonomska kriza koja je uzdrmala ostatak svijeta 2007. godine kod nas je došla nešto kasnije. Ona je kod nas pokazala svu svoju silu i ostala dulje nego drugdje, a možda čak ostavila i teže posljedice.
Rejting agencija je kompanija koja procjenjuje financijsku snagu drugih kompanija i država, posebno njihovu sposobnost da podmire glavnicu i kamate na svoje dugove. Ocjena dodijeljena određenom dugu pokazuje razinu povjerenja agencije da će dužnik ispuniti svoje dužničke obveze prema dogovoru.
Drugim riječima, rejting agencije pružaju informacije potencijalnim kreditorima o potencijalnim dužnicima.

Abstract (english)

The topic of this thesis are credit agencies. The motive for choosing this topic is first of all their impact on today's economy, that is, to study in more detail the way rating agencies assign credit ratings, the deciding factors when giving a rating, what data they collect, information relevant to the formation of a credit rating and the conditions for changing it.
The motive has existed since the beginning of the global economic crisis. The global economic crisis that shook the rest of the world in 2007. came to us a little later. It showed all its power here and stayed longer than elsewhere, and perhaps even left more serious consequences.
A rating agency is a company that evaluates the financial strength of other companies and countries, especially their ability to pay the principal and interest on their debts. The rating assigned to a particular debt indicates the agency's level of confidence that the debtor will meet its debt obligations as agreed.
In other words, rating agencies provide information to potential creditors about potential debtors.

• Keywords: Ključne riječi : rejting agencije; kreditni rejting; regulacija; ekonomska sigurnost; obveznice; moralni hazard
• Keywords (english): Ključne riječi (engleski) : credit rating agencies; credit rating; regulation; economic security; bonds; moral hazard
• Language: croatian
• URN:NBN: urn:nbn:hr:199:258797
• Study programme: Title: Law; Study programme type: university; Study level: integrated undergraduate and graduate; Academic / professional title: magistar/magistra prava (magistar/magistra prava)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Open access
• Created on: 2022-09-23 07:00:57