{"id":20721,"date":"2017-10-25T12:21:24","date_gmt":"2017-10-25T11:21:24","guid":{"rendered":"http:\/\/www.bilten.org\/?p=20721"},"modified":"2017-10-25T12:23:04","modified_gmt":"2017-10-25T11:23:04","slug":"gradevinarstvo-daleko-od-oporavka","status":"publish","type":"post","link":"https:\/\/www.bilten.org\/?p=20721","title":{"rendered":"Gra\u0111evinarstvo daleko od oporavka"},"content":{"rendered":"

Dok ve\u0107ina sektora hrvatske ekonomije bilje\u017ei makar stidljive znakove oporavka, gra\u0111evinarstvo se i dalje nalazi u prili\u010dno nezavidnoj situaciji. Najbolji indikator takvog stanja su tzv. lo\u0161i krediti u sektoru, to jest oni koji su nenaplativi ili djelomi\u010dno naplativi.<\/p>\n

Naime, prema analizi<\/a> Hrvatske gospodarske komore, udio nenaplativih ili djelomi\u010dno naplativih kredita u gra\u0111evinarstvu iznosi \u010dak 64% od ukupno izdanih kredita. Taj je udio gotovo pet puta ve\u0107i od hrvatskog prosjeka. Monetarna vrijednost tih kredita iznosi 5,7 milijardi kuna \u0161to je za 3 milijarde vi\u0161e nego u prvom kvartalu 2010. godine, netom nakon izbijanja krize, ali i za otprilike isti iznos manje nego u 2015. godine kada je razina takvih kredita dosegnula vrhunac.<\/p>\n

Europski trend<\/strong><\/p>\n

Prema analizi koju podastire Komora, radi se o materijalizaciji u\u010dinka krize koja je sektor gra\u0111evinarstva zahvatila dublje i dugotrajnije. Va\u017eno je, tako\u0111er, istaknuti sljede\u0107i podatak: udio lo\u0161ih kredita u gra\u0111evinarstvu se od prvog kvartala 2010. godine do drugog kvartala 2017. pove\u0107ao za \u010dak 46,1%, dok dr\u017eavni prosjek iznosi tek 4,3%. Taj je udio rastao do 2015., a od tada stagnira.<\/p>\n

Dakle, iako se ukupna vrijednost lo\u0161ih kredita vratila na razinu iz 2010. godine, njihov udio je puno ve\u0107i. To je posljedica za\u010daranog kruga: zbog tolikog udjela lo\u0161ih kredita, banke su sve opreznije u kreditiranju gra\u0111evinarstva, a poduze\u0107a se ne \u017eele izlagati visokim kamatama kojima se banke \u0161tite od rizika, \u0161to dovodi do smanjenja razine kredita i sve te\u017eeg poslovanja za poduze\u0107a.<\/p>\n

Me\u0111utim, kako analiza otkriva, Hrvatska tu nije nikakva iznimka. U brojnim je europskim zemljama gra\u0111evinarstvo krizom najpogo\u0111eniji sektor s najvi\u0161im udjelom lo\u0161ih kredita. Tako na razini eurozone udio lo\u0161ih kredita u gra\u0111evinarstvu iznosi 19,5% i prednja\u010di u odnosu na sve druge sektore.<\/p>\n","protected":false},"excerpt":{"rendered":"

Dok ve\u0107ina sektora hrvatske ekonomije bilje\u017ei makar stidljive znakove oporavka, gra\u0111evinarstvo se i dalje nalazi u prili\u010dno nezavidnoj situaciji. Najbolji indikator takvog stanja su tzv. lo\u0161i krediti u sektoru, to jest oni koji su nenaplativi ili djelomi\u010dno naplativi. Naime, prema analizi Hrvatske gospodarske komore, udio nenaplativih ili djelomi\u010dno naplativih kredita u gra\u0111evinarstvu iznosi \u010dak 64% […]<\/p>\n","protected":false},"author":5,"featured_media":20723,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[228],"theme":[455],"country":[38],"articleformat":[205],"coauthors":[291],"class_list":["post-20721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-ekonomija","theme-rad","country-hrvatska","articleformat-vijest"],"_links":{"self":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/20721","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=20721"}],"version-history":[{"count":1,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/20721\/revisions"}],"predecessor-version":[{"id":20722,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/posts\/20721\/revisions\/20722"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=\/wp\/v2\/media\/20723"}],"wp:attachment":[{"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=20721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=20721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=20721"},{"taxonomy":"theme","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Ftheme&post=20721"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcountry&post=20721"},{"taxonomy":"articleformat","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Farticleformat&post=20721"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.bilten.org\/index.php?rest_route=%2Fwp%2Fv2%2Fcoauthors&post=20721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}