University North. University centre Koprivnica. Department of Business and Management.
Abstract
Obavljanje međunarodnog platnog prometa jedna je od profitabilnijih usluga banaka. Pod
pojmom međunarodni platni promet podrazumijevaju se naplate, plaćanja i prijenosi na osnovi
tekućih i kapitalnih poslova u stranim sredstvima plaćanja i u kunama između rezidenata i
nerezidenata posredstvom instrumenata međunarodnog platnog prometa. Međunarodni platni
promet reguliran je europskom inicijativom-Single Euro Payments Area(SEPA). SEPA je
jedinstveno područje plaćanja u eurima te se sve države Europske unije(EU) pridržavaju pravila
SEPA. Hrvatski devizni promet uređen je i hrvatskim Zakonima i podzakonskim propisimaZakon
o deviznom poslovanju (NN 96/2003, 140/2005, 132/2006, 150/2008, 92/2009, 133/2009,
153/2009, 145/2010, 76/2013), Zakon o platnom prometu (NN 133/2009, 136/2012) i Zakon o
sprječavanju pranja novca i financiranja terorizma.
Instrumenti plaćanja koja se koriste u obavljanju međunarodnog platnog prometa su:
bankovna doznaka, međunarodni dokumentarni akreditiv, dokumentarna naplata (inkaso
poslovi), trgovačko kreditno pismo, čekovi, mjenice i bankarske garancije.
Raiffeisen banka posluje u Republici Hrvatskoj već duži niz godina. RBA je dio svjetski
poznate financijske grupacije koja djeluje diljem svijeta. Obavljanje poslova međunarodnog
platnog prometa za svoje klijente, vrlo je važan dio bankarskih usluga u RBA. Stoga, RBA
nastoji ponuditi svojim klijentima široku paletu proizvoda i usluga te obavljanje transakcija u
najkraće mogućem roku.Performing international payment transactions is one of the most profitable banking services. Under international payment terms, payments and transfers are made on the basis of current and capital transactions in foreign currencies and in kuna between residents and non-residents through international payment transactions instruments. International payments are regulated by the European Initiative SEPA. SEPA is a single european payment area and all EU countries adhere to SEPA rules. Croatian Foreign Exchange Transactions are also regulated by Croatian Laws and By-Laws - Foreign Exchange Act (OG 96/2003, 140/2005, 132/2006, 150/2008, 92/2009, 133/2009, 153/2009, 145/2010, 76/2013), the Law on Payment Transactions (OG 133/2009, 136/2012) and the Law on Prevention of Money Laundering and Financing of Terrorism.
The payment instruments used in international payment transactions are: bank transfer, international documentary letter of credit, documentary collection (inkaso jobs), trade credit card, checks, bills of exchange and bank guarantees.
Raiffeisen Bank has been operating in the Republic of Croatia for several years. The RBA is part of a world-renowned financial group that operates across the globe. Performing international payment transactions for its customers is a very important part of banking services in RBA. Therefore, RBA strives to offer its customers a wide range of products and services and to carry out transactions in the shortest possible time
