engleski

Bank loans to Croatia´s households sector

The paper analyzes the scope and structure of bank loans granted to Croatia’s households and, based on international comparison, tests the following hypothesis: a) in the last few years banks have strongly increased their lending activities, but these activities have been targeted primarily at the households sector ; b) comparing internationally, the structure of loans given to households is markedly negative, because the loans stimulate the growth of external debt and nonproductive consumption ; and c) due to such behavior of banks, Croatia’s economy lacks credit support for the restructuring and development, and does not achieve optimal effects in allocation of national savings and in a large part of its foreign debt.

Bank; loans; households

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