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Uloga dopunskog kredita u poticanju poduzetni?ke aktivnosti i ekonomskog razvoja

Author

Listed:
  • Marijana Ivanov

    (Ekonomski fakultet, Zagreb)

  • Guste Santini

    (www.rifin.com)

Abstract

U?inci porasta koli?ine novca na ekonomski rast i razvoj razli?iti su u okolnostima kada banke kreditiraju potrošnju stanovništva i države, u odnosu na situaciju kreditiranja poduzetni?ke aktivnosti poduze?a. Privremenim ustupanjem kupovne mo?i poduzetnicima i kreditiranjem inovacija omogu?uju se nove kombinacije faktora proizvodnje, koje ?e pridonijeti stvaranju novih realnih vrijednosti u budu?nosti. To omogu?uje popunjavanje umjetno stvorene praznine u vremenskom raskoraku izme?u teku?ih promjena koli?ine novca u optjecaju i budu?ih promjena realnih fondova, a koja privremeno djeluje inflatorno. Krediti banaka predstavljaju svojevrsne uputnice na budu?e novostvorene vrijednosti, ali i budu?e dohotke iz kojih ?e se podmirivati obveze dužnika za povrat glavnice duga i rashodi kamata. To bi tipi?no trebali biti budu?i profiti poduze?a koji ?e proiza?i iz dodane vrijednosti koja ?e se stvoriti u poslovnim procesima financiranim bankovnim kreditom, a što je kompatibilno s tvrdnjom da bi kreditne politike banaka trebale biti primarno orijentirane na kreditiranje inovacija i poslovnih aktivnosti poduze?a, a tek u manjoj mjeri na financiranje potrošnje i investicija stanovništva. Emisija dopunskih kredita banaka može djelovati kao generator budu- ?eg ekonomskog rasta i razvoja, ali kreditne politike poslovnih banaka ne moraju nužno biti orijentirane ostvarivanju op?ih gospodarskih ciljeva. To opravdava korištenje instrumenata koji mogu stimulirati kretanje novca prema poslovnim aktivnostima sa širim pozitivnim u?incima na nacionalno gospodarstvo.

Suggested Citation

  • Marijana Ivanov & Guste Santini, 2011. "Uloga dopunskog kredita u poticanju poduzetni?ke aktivnosti i ekonomskog razvoja," Ekonomija Economics, Rifin d.o.o., vol. 18(2), pages 233-270.
    • Handle: RePEc:eff:ekoeco:v:18:y:2011:i:2:p:233-270
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    References listed on IDEAS

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    More about this item

    Keywords

    namjenska struktura kredita banaka; rajnski model privre?ivanja; ekonomski rast i razvoj;
    All these keywords.

    JEL classification:

    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • O16 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Financial Markets; Saving and Capital Investment; Corporate Finance and Governance

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