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master's thesis
Financijska kriza i MiFID II
2020. urn:nbn:hr:132:243000
Marinčić, Vjekoslav
Josip Juraj Strossmayer University of Osijek
Faculty of Law Osijek
Chair of Financial Law and Financial Sciences

Cite this document

Marinčić, V. (2020). Financijska kriza i MiFID II (Master's thesis). Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Law Osijek. Retrieved from https://urn.nsk.hr/urn:nbn:hr:132:243000

Marinčić, Vjekoslav. "Financijska kriza i MiFID II." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Law Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:132:243000

Marinčić, Vjekoslav. "Financijska kriza i MiFID II." Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Law Osijek, 2020. https://urn.nsk.hr/urn:nbn:hr:132:243000

Marinčić, V. (2020). 'Financijska kriza i MiFID II', Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Law Osijek, accessed 21 September 2023, https://urn.nsk.hr/urn:nbn:hr:132:243000

Marinčić V. Financijska kriza i MiFID II [Master's thesis]. Osijek: Josip Juraj Strossmayer University of Osijek, Faculty of Law Osijek; 2020 [cited 2023 September 21] Available at: https://urn.nsk.hr/urn:nbn:hr:132:243000

V. Marinčić, "Financijska kriza i MiFID II", Master's thesis, Josip Juraj Strossmayer University of Osijek, Faculty of Law Osijek, Osijek, 2020. Available at: https://urn.nsk.hr/urn:nbn:hr:132:243000

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Metadata
TitleFinancijska kriza i MiFID II
Title (english)Financial Crisis and MiFID II
AuthorVjekoslav Marinčić
MentorRenata Perić (mentor)
Committee memberAleksandra Vasilj (predsjednik povjerenstva)
Committee memberBoris Ljubanović (član povjerenstva)
Committee memberRenata Perić (član povjerenstva)
GranterJosip Juraj Strossmayer University of Osijek
Faculty of Law Osijek
(Chair of Financial Law and Financial Sciences)
Osijek
Defense date and country2020-12-14, Croatia
Scientific / art field,
discipline and subdiscipline		SOCIAL SCIENCES
Law
Financial Law
Abstract
Financijska kriza bila je problem kompleksne naravi a premisa ovog rada je da agencije za kreditni rejting nose najveći teret odgovornosti za nastanak financijske krize. Kada se SAD počeo razvijati od istočne obale prema zapadu, udaljenost trgovanja se također proširila i kao rezultat toga, trgovci često nisu znali svoje klijente što im je ulijevalo strah od neplaćanja. U takvoj situaciji razvila se potreba za institucijama koje bi ocjenjivale reputaciju klijenata. Agencije za kreditni rejting su kompanije koje ocjenjuju sposobnost određene fizičke ili pravne osobe da vrati kredit. One definiraju kreditni rejting kao neovisno mišljenje o kreditnom riziku, odnosno procjenu mogućnosti i volje dužnika da u cijelosti i pravodobno podmiri sve dospjele obveze. Strukturirano financiranje je tehnika koja služi za učinkovito usavršavanje i zaštitu bilo koje profitabilne gospodarske aktivnosti izvan opsega uobičajenih oblika vrijednosnih papira poput obveznica ili kapitala s ciljem smanjenja troškova poput troškova kapitala i agencijskih troškova. Jedan od najsloženijih strukturiranih financijskih instrumenata su kolateralizirane dužničke obveze i vrijednosni papiri osigurani hipotekom. Upravo će ti financijski instrumenti biti u središtu financijske krize. Zakonodavci diljem svijeta nisu prvotno pridavali pozornost financijskoj krizi koja se počela događati na američkom tlu no u listopadu 2008. godine, kriza je obuhvatila i Europsku Uniju. EU je morala osmisliti mehanizme i pravne okvire koji će onemogućiti da se sljedeća takva kriza ponovi a u središtu Europskog pravnog okvira koji regulira tržište financijskih instrumenata nalazi se Direktiva o tržištima financijskih instrumenata, poznata kao i MiFID II
Abstract (english)
The Financial Crisis was a problem of a complex nature and the premise of this paper is the Credit Rating Agency carry the greatest burden of responsibility for the occurrence of financial crises. As the U.S. began to develop from east coast to west, the distance to trade also widened and as a result, traders often did not know their customers which instilled in them a fear of non-payment. In such a situation, the need for institutions to assess the reputation of clients has developed. Credit rating agencies are companies that assess the ability of certain individuals or legal entities to repay a loan. They define a credit rating as an independent opinion on credit risk, i.e. an assessment of the debtor's ability and willingness to settle all due obligations in full and on time. Structured financing is a technique that serves to effectively refine and protect any profitable economic activity outside the scope of common forms of securities such as bonds or capital with the aim of reducing costs such as capital costs and agency costs. One of the most complex structured financial instruments is collateralised debt obligations and mortgage-backed securities. It is these financial instruments that will be at the heart of the financial crisis. Lawmakers around the world did not initially pay attention to the Financial Crisis that began to occur on American soil, but in October 2008, the crisis spread to the European Union. The EU had to devise mechanisms and legal frameworks that will prevent the next such crisis from recurring. At the heart of the European legal framework governing the financial instruments market is the Financial Instruments Markets Directive, known as MiFID II.
Keywords
Keywords (english)
Languagecroatian
URN:NBNurn:nbn:hr:132:243000
Study programmeTitle: Public Administration
Study programme type: professional
Study level: specialist graduate
Academic / professional title: stručni/a specijalist/ specijalistica javne uprave (stručni/a specijalist/ specijalistica javne uprave)
Type of resourceText
File originBorn digital
Access conditionsAccess restricted to students and staff of home institution
Terms of useLicence In copyright icon
Created on2021-04-08 15:37:57