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master's thesis
Emisija depozitnog novca
2016. urn:nbn:hr:137:715976
Sandrić, Marina
University of Pula
Faculty of economics and tourism "Dr. Mijo Mirković"

Cite this document

Sandrić, M. (2016). Emisija depozitnog novca (Master's thesis). Pula: University of Pula. Retrieved from https://urn.nsk.hr/urn:nbn:hr:137:715976

Sandrić, Marina. "Emisija depozitnog novca." Master's thesis, University of Pula, 2016. https://urn.nsk.hr/urn:nbn:hr:137:715976

Sandrić, Marina. "Emisija depozitnog novca." Master's thesis, University of Pula, 2016. https://urn.nsk.hr/urn:nbn:hr:137:715976

Sandrić, M. (2016). 'Emisija depozitnog novca', Master's thesis, University of Pula, accessed 08 April 2024, https://urn.nsk.hr/urn:nbn:hr:137:715976

Sandrić M. Emisija depozitnog novca [Master's thesis]. Pula: University of Pula; 2016 [cited 2024 April 08] Available at: https://urn.nsk.hr/urn:nbn:hr:137:715976

M. Sandrić, "Emisija depozitnog novca", Master's thesis, University of Pula, Pula, 2016. Available at: https://urn.nsk.hr/urn:nbn:hr:137:715976

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Metadata
TitleEmisija depozitnog novca
Title (english)The emision of Deposit Money
AuthorMarina Sandrić
MentorLovre Božina (mentor)
Committee memberManuel Benazić (predsjednik povjerenstva)
Committee memberLovre Božina (član povjerenstva)
Committee memberDaniel Tomić (član povjerenstva)
GranterUniversity of Pula
(Faculty of economics and tourism "Dr. Mijo Mirković")
Pula
Defense date and country2016-03-31, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Economics
Finance
Abstract
Depozitni novac uključuje stalno raspoloživa sredstva nemonetarnih subjekata na transakcijskim računima koje ti subjekti imaju otvorene u bankama i raznim monetarnim institucijama te ih koriste za upotrebu bezgotovinskog plaćanja. Transakcijski računi na kojima se nalazi depozitni novac su tekući i žiro račun. Temeljne monetarne institucije koje kreiraju i poništavaju suvremeni novac su središnja banka, u Hrvatskoj je to Hrvatska narodna banka (HNB) i poslovne banke. Emisija novca uključuje dva zasebna, ali međusobno povezana postupka kreiranja i poništavanja novca. Primarna emisija novca ili kreiranje gotovog novca provodi središnja banka tako da izdaje papirnate novčanice koje uz sitni novac cirkuliraju u optjecajnim kanalima u obliku gotovine. Sekundarnu emisiju novca provode poslovne banke. Poslovne banke svojom kreditnom aktivnošću stvaraju depozitni (kreditni) novac u procesu sekundarne emisije novca. One također posreduju u prenošenju financijskih sredstava od štediša pozajmljivača te kao monetarne institucije kreiraju i multipliciraju novac. Odobravanje i isplata kredita predstavljaju najvažniji kanal sekundarne emisije novca kojim banke stvarju depozitni novac. Poslovne banke multipliciraju položene depozite odobravajući kredite i time stvaraju dodatnu količinu novca.
Abstract (english)
Deposits accounts represents the money that people hold in banks and other financial institutions, which are used for non-cash payments.Transaction accounts that hold deposits are current and savings accounts. The financial institutions that increase of reduce liquidity are the central banks, and in Croatia it is the Croatian National Bank (HNB) and commercial banks. The currency issue involves two separate but related processes, the creation and withdrawal of money. The main process is the creation of cash, which is carried out by the central bank,which issues paper banknotes that circulate in the economy in the form of cash. The secondary circulation process is conducted by commercial banks. Commercial banks with their lending activities generate money in the process of secondary emission of money. Commercial banks mediate the transfer of funds from savers and borrowers, and as financial institutions they create and multiply money. Approval and disbursement of the loan are the most important channels of secondary emission of money, which creates more deposits. Commercial banks multiply the value of deposits through loans, thus creating an additional amount of money.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:137:715976
Study programmeTitle: Business Economics; specializations in: Financial Management, Marketing Management, Management and Entrepreneurship, Tourism and Development, Business Informatics
Course: Financial Management
Study programme type: university
Study level: graduate
Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
Type of resourceText
File originBorn digital
Access conditionsOpen access
Terms of useLicence In copyright icon
Created on2017-02-20 11:48:35