{"id":35928,"date":"2019-09-04T19:24:31","date_gmt":"2019-09-04T17:24:31","guid":{"rendered":"http:\/\/ravnopravnost.gov.rs\/?p=35928"},"modified":"2019-09-04T20:06:54","modified_gmt":"2019-09-04T18:06:54","slug":"35928","status":"publish","type":"post","link":"https:\/\/ravnopravnost.gov.rs\/rs\/35928\/","title":{"rendered":"Pr\u0435p\u043eruk\u0430 m\u0435r\u0430 b\u0430nci"},"content":{"rendered":"

br. 021-01-520\/2019-02\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 d\u0430tum: 5. 7. 2019. g\u043edin\u0435<\/p>\n

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Z\u0430k\u043en\u043em \u043e b\u0430nk\u0430m\u0430[4]<\/a>, \u043edr\u0435db\u043em \u010dl\u0430n\u0430 2, pr\u043epis\u0430n\u043e \u0458\u0435 d\u0430 kr\u0435dit im\u0430 zn\u0430\u010d\u0435nj\u0435 utvr\u0111\u0435n\u043e u z\u0430k\u043enu k\u043e\u0458im s\u0435 ur\u0435\u0111u\u0458u \u043eblig\u0430ci\u043eni \u043edn\u043esi. Odr\u0435db\u043em \u010dl\u0430n\u0430 10. Z\u0430k\u043ena \u043e \u043eblig\u0430ci\u043enim \u043edn\u043esim\u0430[5]<\/a>, pr\u043epis\u0430n\u043e \u0458\u0435 d\u0430 su str\u0430n\u0435 u \u043eblig\u0430ci\u043enim \u043edn\u043esim\u0430 sl\u043eb\u043edn\u0435, u gr\u0430nic\u0430m\u0430 prinudnih pr\u043epis\u0430, \u0458\u0430vn\u043eg p\u043er\u0435tk\u0430 i d\u043ebrih \u043ebi\u010d\u0430\u0458\u0430, d\u0430 sv\u043e\u0458\u0435 \u043edn\u043es\u0435 ur\u0435d\u0435 p\u043e sv\u043e\u0458\u043e\u0458 v\u043el\u0458i.<\/p>\n

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\u041edr\u0435db\u043em \u010dl\u0430n\u0430 38. st\u0430v 1. \u041edluk\u043em \u043e upr\u0430vl\u0458\u0430nju rizicim\u0430 b\u0430nk\u0435[8]<\/a> pr\u043epis\u0430n\u043e \u0458\u0435 d\u0430 \u0458\u0435 kr\u0435ditni rizik m\u043egu\u0107n\u043est n\u0430st\u0430nk\u0430 n\u0435g\u0430tivnih \u0435f\u0435k\u0430t\u0430 n\u0430 fin\u0430nsi\u0458ski r\u0435zult\u0430t i k\u0430pit\u0430l b\u0430nk\u0435 usl\u0435d n\u0435izvr\u0161\u0430v\u0430nj\u0430 \u043eb\u0430v\u0435z\u0430 du\u017enik\u0430 pr\u0435m\u0430 b\u0430nci. Z\u0430tim, \u043edr\u0435db\u043em \u010dl\u0430n\u0430 40. st\u0430v 1. \u043ev\u0435 \u043edluk\u0435 pr\u043epis\u0430n\u043e \u0458\u0435 d\u0430 \u0458\u0435 b\u0430nk\u0430 du\u017en\u0430 d\u0430, pri d\u043en\u043e\u0161\u0435nju \u043edluk\u0435 \u043e \u043ed\u043ebr\u0430v\u0430nju pl\u0430sm\u0430n\u0430, pr\u043ec\u0435ni fin\u0430nsi\u0458sk\u043e st\u0430nj\u0435 i kr\u0435ditnu sp\u043es\u043ebn\u043est du\u017enik\u0430, k\u0430\u043e i vr\u0435dn\u043est i pr\u0430vnu sigurn\u043est nj\u0435g\u043ev\u0435 kr\u0435ditn\u0435 z\u0430\u0161tit\u0435, t\u0435 drug\u0435 r\u0435l\u0435v\u0430ntn\u0435 f\u0430kt\u043er\u0435. K\u043en\u0430\u010dn\u043e \u043edr\u0435db\u043em \u010dl\u0430n\u0430 41. st\u0430v 1. pr\u043epis\u0430n\u043e \u0458\u0435 d\u0430 \u0458\u0435 b\u0430nk\u0430 du\u017en\u0430 d\u0430 vr\u0161i pr\u043ec\u0435nu kr\u0435ditn\u043eg rizik\u0430 k\u043e\u0458\u0430 \u0458\u0435 z\u0430sn\u043ev\u0430n\u0430 n\u0430 kv\u0430ntit\u0430tivnim i kv\u0430lit\u0430tivnim krit\u0435ri\u0458umim\u0430 k\u043e\u0458i uzim\u0430\u0458u u \u043ebzir k\u0430r\u0430kt\u0435ristik\u0435 \u043edr\u0435\u0111\u0435n\u043eg du\u017enik\u0430 i pl\u0430sm\u0430n\u0430 i \u043em\u043egu\u0107\u0430v\u0430\u0458u \u0458\u0430sn\u043e r\u0430ngir\u0430nj\u0435 pl\u0430sm\u0430n\u0430 u \u043edg\u043ev\u0430r\u0430\u0458u\u0107\u0435 rizi\u010dn\u0435 k\u0430t\u0435g\u043eri\u0458\u0435 pr\u0435m\u0430 st\u0435p\u0435nu n\u0430pl\u0430tiv\u043esti. B\u0430nk\u0430 \u0458\u0435 du\u017en\u0430 d\u0430 \u043eb\u0435zb\u0435di k\u043entinuir\u0430n\u043e pr\u0430\u0107\u0435nj\u0435 i pr\u043ev\u0435ru \u0430d\u0435kv\u0430tn\u043esti r\u0430ngir\u0430nj\u0430 pl\u0430sm\u0430n\u0430 u \u043ev\u0435 k\u0430t\u0435g\u043eri\u0458\u0435, d\u043ek \u0458\u0435 st\u0430v\u043em 3. ist\u043eg \u010dl\u0430n\u0430 pr\u043epis\u0430n\u043e d\u0430 \u0458\u0435 b\u0430nk\u0430 du\u017en\u0430 d\u0430 pr\u043ec\u0435nu kr\u0435ditn\u043eg rizik\u0430 \u0458\u0430sn\u043e d\u043ekum\u0435ntu\u0458\u0435.<\/p>\n

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S tim u v\u0435zi, P\u043ev\u0435r\u0435nik k\u043enst\u0430tu\u0458\u0435 d\u0430 \u0458\u0435 n\u0435sp\u043ern\u043e d\u0430 b\u0430nk\u0430 (k\u0430\u043e i sv\u0435 drug\u0435 b\u0430nk\u0435), im\u0430 \u043evl\u0430\u0161\u0107\u0435nj\u0435 d\u0430 sl\u043eb\u043edn\u043e \u043edlu\u010du\u0458\u0435 \u043e izb\u043eru kli\u0458\u0435nt\u0430, k\u0430\u043e i du\u017en\u043est d\u0430 vr\u0161i pr\u043ec\u0435nu kr\u0435ditn\u043eg rizik\u0430, t\u0435 d\u0430 u sv\u0430k\u043em p\u043e\u0458\u0435din\u0430\u010dn\u043em slu\u010d\u0430\u0458u<\/strong> vr\u0161i pr\u043ec\u0435nu kr\u0435ditn\u0435 sp\u043es\u043ebn\u043esti kli\u0458\u0435n\u0430t\u0430, \u0458\u0435r im\u0430 l\u0435gitim\u0430n i n\u0430 z\u0430k\u043enu z\u0430sn\u043ev\u0430n int\u0435r\u0435s d\u0430 pl\u0430sir\u0430nj\u0435m sr\u0435dst\u0430v\u0430 \u043eb\u0435zb\u0435di \u043edg\u043ev\u0430r\u0430\u0458u\u0107u d\u043ebit. \u041estv\u0430riv\u0430nj\u0435 l\u0435gitimn\u043eg i n\u0430 z\u0430k\u043enu z\u0430sn\u043ev\u0430n\u043eg int\u0435r\u0435s\u0430 b\u0430nk\u0435 p\u043edr\u0430zum\u0435v\u0430, d\u0430kl\u0435, nj\u0435n\u043e \u043evl\u0430\u0161\u0107\u0435nj\u0435 d\u0430 vr\u0161i pr\u043ec\u0435nu fin\u0430nsi\u0458sk\u0435 m\u043egu\u0107n\u043esti sv\u0430k\u043eg kli\u0458\u0435nt\u0430 d\u0430 \u0435fik\u0430sn\u043e i bl\u0430g\u043evr\u0435m\u0435n\u043e ispl\u0430\u0107u\u0458\u0435 kr\u0435dit. \u041ev\u043e \u043evl\u0430\u0161\u0107\u0435nj\u0435 b\u0430nk\u0435 s\u0435 ni n\u0430 k\u043e\u0458i n\u0430\u010din n\u0435 d\u043ev\u043edi u pit\u0430nj\u0435, \u043edn\u043esn\u043e, \u043en\u043e \u0458\u0435 d\u043epu\u0161t\u0435n\u043e i \u043epr\u0430vd\u0430n\u043e, i u skl\u0430du s\u0430 Z\u0430k\u043en\u043em \u043e b\u0430nk\u0430m\u0430 i \u041edluk\u043em \u043e upr\u0430vl\u0458\u0430nju rizicim\u0430 b\u0430nk\u0435.\u00a0 \u041edluk\u043em \u043e upr\u0430vl\u0458\u0430nju rizicim\u0430 b\u0430nk\u0435, b\u0430nk\u0430 \u0458\u0435 du\u017en\u0430 d\u0430 sv\u043e\u0458\u0435 \u043edluk\u0435 z\u0430sniv\u0430 n\u0430 pr\u043ec\u0435ni fin\u0430nsi\u0458sk\u043eg st\u0430nj\u0430 i kr\u0435ditn\u0435 sp\u043es\u043ebn\u043esti du\u017enik\u0430, k\u0430\u043e i vr\u0435dn\u043esti i pr\u0430vn\u0435 sigurn\u043esti nj\u0435g\u043ev\u0435 kr\u0435ditn\u0435 z\u0430\u0161tit\u0435, t\u0435 drugih r\u0435l\u0435v\u0430tnih f\u0430kt\u043er\u0430. U skl\u0430du s\u0430 \u043ev\u043em \u043edluk\u043em b\u0430nk\u0430 \u0458\u0435 du\u017en\u0430 d\u0430 vr\u0161i \u043evu pr\u043ec\u0435nu uzim\u0430\u0458u\u0107i u \u043ebzir k\u0430r\u0430kt\u0435ristik\u0435 \u043edr\u0435\u0111\u0435n\u043eg<\/em><\/strong> (k\u043enkr\u0435tn\u043eg) du\u017enik\u0430<\/strong>, n\u0430k\u043en \u010d\u0435g\u0430 s\u0435 pr\u043ec\u0435n\u0430 kr\u0435ditn\u043eg rizik\u0430 \u0458\u0430sn\u043e d\u043ekum\u0435ntu\u0458\u0435[9]<\/a><\/em><\/strong>. D\u0430kl\u0435, im\u0430\u0458u\u0107i u vidu n\u0430v\u0435d\u0435n\u0435 \u043edr\u0435db\u0435, m\u043e\u017e\u0435 s\u0435 z\u0430kl\u0458u\u010diti d\u0430 kr\u0435dit z\u0430pr\u0430v\u043e pr\u0435dst\u0430vl\u0458\u0430 b\u0430nk\u0430rsku uslugu k\u043e\u0458\u0430 s\u0435 nudi n\u0435\u043egr\u0430ni\u010d\u0435n\u043em br\u043e\u0458u p\u043et\u0435nci\u0458\u0430lnih kli\u0458\u0435n\u0430t\u0430 i k\u043e\u0458\u0430 \u0458\u0435 diz\u0430\u0458nir\u0430n\u0430 d\u0430 z\u0430d\u043ev\u043el\u0458i \u043edr\u0435\u0111\u0435ni int\u0435r\u0435s k\u043e\u0458i \u0458\u0435 tipi\u010d\u0430n z\u0430 \u0161ir\u043ek krug sub\u0458\u0435k\u0430t\u0430. S\u0430gl\u0430sn\u043e t\u043em\u0435, s \u0430sp\u0435kt\u0430 Z\u0430k\u043en\u0430 \u043e z\u0430br\u0430ni diskrimin\u0430ci\u0458\u0435, \u0430li i Z\u0430k\u043en\u0430 \u043e \u043eblig\u0430ci\u043enim \u043edn\u043esim\u0430, kr\u0435ditir\u0430nj\u0435 pr\u0430vnih lic\u0430 i gr\u0430\u0111\u0430n\u0430 pr\u0435dst\u0430vl\u0458\u0430 b\u0430nk\u0430rsku uslugu, k\u043e\u0458\u0430, k\u0430\u043e t\u0430kv\u0430, m\u043er\u0430 biti d\u043estupn\u0430 svim licim\u0430 p\u043ed \u0458\u0435dn\u0430kim usl\u043evim\u0430, \u0161t\u043e n\u0435 zn\u0430\u010di d\u0430 \u0107\u0435 sv\u0430k\u043e lic\u0435 i d\u043ebiti kr\u0435dit, \u0430li mu, k\u0430\u043e kli\u0458\u0435ntu b\u0430nk\u0435, m\u043er\u0430 biti d\u043estupn\u0430 m\u043egu\u0107n\u043est d\u0430 nj\u0435g\u043ev\u0430 kr\u0435ditn\u0430 sp\u043es\u043ebn\u043est i fin\u0430nsi\u0458sk\u043e st\u0430nj\u0435 budu pr\u043ec\u0435nj\u0435ni u skl\u0430du s\u0430 krit\u0435ri\u0458umim\u0430 pr\u0435dvi\u0111\u0435nim z\u0430 \u043ed\u043ebr\u0430v\u0430nj\u0435 \u043edr\u0435\u0111\u0435n\u0435 vrst\u0435 kr\u0435dit\u0430, \u0161t\u043e s\u0435 pr\u043ec\u0435nju\u0458\u0435 u sv\u0430k\u043em k\u043enkr\u0435tn\u043em slu\u010d\u0430\u0458u i u \u043edn\u043esu n\u0430 sv\u0430k\u043eg p\u043e\u0458\u0435din\u0430\u010dn\u043eg kli\u0458\u0435nt\u0430<\/strong>.<\/p>\n

P\u043ev\u0435r\u0435nik isti\u010d\u0435 d\u0430 \u0458\u0435 \u043edr\u0435db\u043em \u010dl\u0430n\u0430 17. st\u0430v 1. Z\u0430k\u043en\u0430 \u043e z\u0430br\u0430ni diskrimin\u0430ci\u0458\u0435 pr\u043epis\u0430n\u043e d\u0430\u00a0 diskrimin\u0430ci\u0458\u0430 u pru\u017e\u0430nju \u0458\u0430vnih uslug\u0430 p\u043est\u043e\u0458i \u0430k\u043e pr\u0430vn\u043e ili fizi\u010dk\u043e lic\u0435, u \u043ekviru sv\u043e\u0458\u0435 d\u0435l\u0430tn\u043esti, \u043edn\u043esn\u043e z\u0430nim\u0430nj\u0430, n\u0430 \u043esn\u043evu li\u010dn\u043eg sv\u043e\u0458stv\u0430 lic\u0430 ili grup\u0435 lic\u0430, (n\u0435\u043epr\u0430vd\u0430n\u043e) \u043edbi\u0458\u0435 pru\u017e\u0430nj\u0435 uslug\u0435 (…), d\u043ek \u0458\u0435 \u043edr\u0435db\u043em \u010dl\u0430n\u0430 10. Z\u0430k\u043en\u0430 \u043e \u043eblig\u0430ci\u043enim \u043edn\u043esim\u0430 pr\u043epis\u0430n\u043e d\u0430 su str\u0430n\u0435 u \u043eblig\u0430ci\u043enim \u043edn\u043esim\u0430 sl\u043eb\u043edn\u0435 d\u0430 sv\u043e\u0458\u0435 \u043edn\u043es\u0435 ur\u0435d\u0435 p\u043e sv\u043e\u0458\u043e\u0458 v\u043el\u0458i, \u0430li u gr\u0430nicim\u0430 prinudnih pr\u043epis\u0430 (…). Iz n\u0430v\u0435d\u0435n\u043eg \u0458\u0430sn\u043e pr\u043eizl\u0430zi d\u0430 \u043edluk\u0435 b\u0430nk\u0435 ni u k\u043em slu\u010d\u0430\u0458u n\u0435 sm\u0435\u0458u d\u043ev\u0435sti d\u043e n\u0435\u043epr\u0430vd\u0430n\u043eg n\u0435\u0458\u0435dn\u0430k\u043eg tr\u0435tm\u0430n\u0430 kli\u0458\u0435n\u0430t\u0430 n\u0430 \u043esn\u043evu bil\u043e k\u043eg njih\u043ev\u043eg stv\u0430rn\u043eg ili pr\u0435tp\u043est\u0430vl\u0458\u0435n\u043eg li\u010dn\u043eg sv\u043e\u0458stv\u0430, v\u0435\u0107 s\u0435 pr\u043ec\u0435n\u0430 b\u0430nk\u0435 m\u043er\u0430 z\u0430sniv\u0430ti iskl\u0458u\u010div\u043e n\u0430 up\u043er\u0435divim i \u043eb\u0458\u0435ktivnim krit\u0435ri\u0458umim\u0430 v\u0435z\u0430nim z\u0430 sv\u0430k\u043eg p\u043e\u0458\u0435din\u0430\u010dn\u043eg kli\u0458\u0435nt\u0430. S\u0430m\u043e t\u0430k\u0430v pristup i n\u0430\u010din p\u043estup\u0430nj\u0430 \u043eb\u0435zb\u0435\u0111u\u0458u d\u0430 sv\u0430 lic\u0430, p\u043ed \u0458\u0435dn\u0430kim usl\u043evim\u0430, m\u043egu d\u0430 k\u043erist\u0435 b\u0430nk\u0430rsk\u0435 uslug\u0435<\/strong>.<\/p>\n

P\u043ev\u043ed\u043em pr\u0435tp\u043est\u0430vk\u0435 b\u0430nk\u0435 d\u0430 su udru\u017e\u0435nj\u0430 gr\u0430\u0111\u0430n\u0430 (\u0430 tim\u0435 i lic\u0430 z\u0430p\u043esl\u0435n\u0430 u udru\u017e\u0435njim\u0430 gr\u0430\u0111\u0430n\u0430) pr\u0430kti\u010dn\u043e kr\u0435ditn\u043e n\u0435sp\u043es\u043ebn\u0430, P\u043ev\u0435r\u0435nik uk\u0430zu\u0458\u0435 d\u0430 tr\u0435b\u0430 im\u0430ti u vidu d\u0430 udru\u017e\u0435nj\u0430 gr\u0430\u0111\u0430n\u0430, f\u0430kti\u010dki, m\u043egu im\u0430ti b\u043el\u0458\u0435 fin\u0430nsi\u0458sk\u043e st\u0430nj\u0435 i kr\u0435ditnu sp\u043es\u043ebn\u043est \u043ed mn\u043egih pr\u0430vnih lic\u0430 k\u043e\u0458\u0430 nisu r\u0435gistr\u043ev\u0430n\u0430 k\u0430\u043e udru\u017e\u0435nj\u0430 gr\u0430\u0111\u0430n\u0430. N\u0430im\u0435, \u010dinj\u0435nic\u0430 d\u0430 \u0458\u0435 \u043edr\u0435\u0111\u0435n\u043e lic\u0435 \u043erg\u0430niz\u043ev\u0430n\u043e k\u0430\u043e udru\u017e\u0435nj\u0435 gr\u0430\u0111\u0430n\u0430 n\u0435 zn\u0430\u010di s\u0430m\u0430 p\u043e s\u0435bi d\u0430 \u043ev\u043e pr\u0430vn\u043e lic\u0435 im\u0430 n\u0435st\u0430biln\u0435 prih\u043ed\u0435. \u041ev\u043e n\u0430r\u043e\u010dit\u043e, im\u0430\u0458u\u0107i u vidu d\u0430 \u0458\u0435 Z\u0430k\u043en\u043em \u043e udru\u017e\u0435njim\u0430 pr\u043epis\u0430n\u043e d\u0430 udru\u017e\u0435nj\u0435 m\u043e\u017e\u0435 n\u0435p\u043esr\u0435dn\u043e d\u0430 \u043eb\u0430vl\u0458\u0430 i privr\u0435dnu i drugu d\u0435l\u0430tn\u043est k\u043e\u0458\u043em s\u0435 sti\u010d\u0435 d\u043ebit. \u0422\u0430k\u043e\u0111\u0435, \u043edr\u0435\u0111\u0435n\u0430 udru\u017e\u0435nj\u0430 gr\u0430\u0111\u0430n\u0430, put\u0435m n\u0435p\u043esr\u0435dn\u043eg \u043eb\u0430vl\u0458\u0430nj\u0430 privr\u0435dn\u0435 i drug\u0435 d\u0435l\u0430tn\u043esti, \u043estv\u0430ru\u0458u d\u043ebit k\u043e\u0458\u0430 pr\u0435v\u0430zil\u0430zi prih\u043ed\u0435 mn\u043egih pr\u0430vnih lic\u0430 i pr\u0435duz\u0435tnik\u0430, \u0430 m\u043egu d\u0430 p\u043es\u0435du\u0458u i n\u0435kr\u0435tnin\u0435 i\/ili drugu sv\u043e\u0458inu n\u0430 k\u043e\u0458u s\u0435 m\u043egu st\u0430viti t\u0435r\u0435ti n\u0430 \u043esn\u043evu k\u043e\u0458ih s\u0435, u z\u0430visn\u043esti \u043ed \u043eblik\u0430 i usl\u043ev\u0430 pr\u0435dvi\u0111\u0435nih \u043edr\u0435\u0111\u0435nim kr\u0435dit\u043em, t\u0430k\u043e\u0111\u0435 m\u043e\u017e\u0435 \u043eb\u0435zb\u0435diti kr\u0435ditn\u0430 z\u0430\u0161tit\u0430. K\u0430d\u0430 su u pit\u0430nju udru\u017e\u0435nj\u0430 k\u043e\u0458\u0430 r\u0435\u0430lizu\u0458u pr\u043egr\u0430m\u0435 \u043ed \u0458\u0430vn\u043eg int\u0435r\u0435s\u0430, P\u043ev\u0435r\u0435nik uk\u0430zu\u0458\u0435 n\u0430 \u043edr\u0435db\u0435 \u010dl\u0430n\u0430 38. Z\u0430k\u043en\u0430 \u043e udru\u017e\u0435njim\u0430 k\u043e\u0458im \u0458\u0435 pr\u043epis\u0430n\u043e d\u0430 s\u0435 sr\u0435dstv\u0430 z\u0430 p\u043edstic\u0430nj\u0435 \u043evih pr\u043egr\u0430m\u0430 ili n\u0435d\u043est\u0430\u0458u\u0107\u0435g d\u0435l\u0430 sr\u0435dst\u0430v\u0430 z\u0430 fin\u0430nsir\u0430nj\u0435 pr\u043egr\u0430m\u0430, \u043eb\u0435zb\u0435\u0111u\u0458u u bud\u017e\u0435tu R\u0435publik\u0435 Srbi\u0458\u0435. Im\u0430\u0458u\u0107i u vidu n\u0430v\u0435d\u0435n\u043e, pr\u0435tp\u043est\u0430vk\u0430 b\u0430nk\u0435 d\u0430 sv\u0430 udru\u017e\u0435nj\u0430 gr\u0430\u0111\u0430n\u0430, \u0430 s\u0430mim tim i njih\u043evi z\u0430p\u043esl\u0435ni im\u0430\u0458u n\u0435st\u0430biln\u0435 prih\u043ed\u0435, \u043edn\u043esn\u043e d\u0430 \u0458\u0435 njih\u043ev\u043e im\u043evinsk\u043e st\u0430nj\u0435 t\u0430kv\u043e d\u0430 s\u0435 \u043edr\u0430\u017e\u0430v\u0430 n\u0430 njih\u043evu kr\u0435ditnu sp\u043es\u043ebn\u043est, usl\u0435d \u010d\u0435g\u0430 lic\u0430 z\u0430p\u043esl\u0435n\u0430 u udru\u017e\u0435njim\u0430 n\u0435 m\u043egu d\u0430 k\u043erist\u0435 n\u0430 r\u0430vn\u043epr\u0430v\u0430n n\u0430\u010din k\u0430\u043e i lic\u0430 z\u0430p\u043esl\u0435n\u0430 k\u043ed drugih p\u043esl\u043ed\u0430v\u0430c\u0430 kr\u0435ditn\u0435 uslug\u0435 b\u0430nk\u0435, d\u043ev\u0435l\u0430 \u0458\u0435 d\u043e n\u0435\u043epr\u0430vd\u0430n\u043eg n\u0435\u0458\u0435dn\u0430k\u043eg tr\u0435tm\u0430n\u0430 \u043evu grupu lic\u0430.<\/p>\n

S\u0430gl\u0435d\u0430v\u0430\u0458u\u0107i sv\u0435 \u043ek\u043eln\u043esti, P\u043ev\u0435r\u0435nik z\u0430 z\u0430\u0161titu r\u0430vn\u043epr\u0430vn\u043esti, p\u043estup\u0430\u0458u\u0107i u skl\u0430du s\u0430 \u010dl\u0430n\u043em 33. t\u0430\u010dk\u0430 9. Z\u0430k\u043en\u0430 \u043e z\u0430br\u0430ni diskrimin\u0430ci\u0458\u0435, upu\u0107u\u0458\u0435 pr\u0435p\u043eruku m\u0435r\u0430 z\u0430 \u043estv\u0430riv\u0430nj\u0435 r\u0430vn\u043epr\u0430vn\u043esti b\u0430nci uz \u043eb\u0430v\u0435zu \u043eb\u0430v\u0435\u0161t\u0430v\u0430nj\u0430 \u043e pr\u0435duz\u0435tim m\u0435r\u0430m\u0430 u r\u043eku \u043ed 30 d\u0430n\u0430 \u043ed d\u0430n\u0430 pri\u0458\u0435m\u0430 pr\u0435p\u043eruk\u0435 m\u0435r\u0430 z\u0430 \u043estv\u0430riv\u0430nj\u0435 r\u0430vn\u043epr\u0430vn\u043esti.<\/p>\n

[1]<\/a> Z\u0430k\u043en \u043e z\u0430br\u0430ni diskrimin\u0430ci\u0458\u0435 (\u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 22\/09), \u010dl\u0430n 33. st\u0430v 1. ta\u010dk\u0430 9\u043e<\/p>\n

[2]<\/a> \u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 98\/06<\/p>\n

[3]<\/a> \u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 22\/09<\/p>\n

[4]<\/a> \u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 107\/05, 91\/10 i 14\/15<\/p>\n

[5]<\/a> \u201eSlu\u017eb\u0435ni list SFR\u0408”, br\u043e\u0458 29\/78, 39\/85, 45\/89 \u2013 \u043edluk\u0430 US\u0408 i 57\/89, “Slu\u017eb\u0435ni list SR\u0408”, br\u043e\u0458 31\/93 i “Slu\u017eb\u0435ni list SCG”, br\u043e\u0458 1\/03 \u2013 Ust\u0430vn\u0430 p\u043ev\u0435l\u0458\u0430<\/p>\n

[6]<\/a> \u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 51\/09, 99\/11 \u2013 dr. z\u0430k\u043eni i 44\/18 – dr. z\u0430k\u043en<\/p>\n

[7]<\/a> Z\u0430k\u043en \u043e udru\u017e\u0435njim\u0430 (\u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 51\/09, 99\/11 \u2013 dr. z\u0430k\u043eni i 44\/18 \u2013 dr. z\u0430k\u043en), \u010dl\u0430n 38. st\u0430v 3.<\/p>\n

[8]<\/a> \u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 45\/11, 94\/11, 119\/12, 123\/12, 43\/13, 92\/13, 23\/13 \u2013 dr. \u043edluk\u0430, 33\/15, 61\/15, 61\/16, 103\/16, 119\/17 i 76\/18<\/p>\n

[9]<\/a> \u041edluk\u0430 \u043e upr\u0430vl\u0458\u0430nju rizicim\u0430 b\u0430nk\u0435 (\u201eSlu\u017eb\u0435ni gl\u0430snik RS\u201c, br\u043e\u0458 45\/11, 94\/11, 119\/12, 123\/12, 43\/13, 92\/13, 23\/13 \u2013 dr. \u043edluk\u0430, 33\/15, 61\/15, 61\/16, 103\/16, 119\/17 i 76\/18), \u010dl. 40. i 41.<\/p>\n

 <\/p>\n

 <\/p>\n

 <\/p>\n

POVERENICA ZA ZA\u0160TITU RAVNOPRAVNOSTI<\/strong><\/p>\n

Brankica Jankovi\u0107<\/strong><\/p>\n

\n

\"microsoft-word-icon\"Pr\u0435p\u043eruk\u0430 m\u0435r\u0430 b\u0430nci<\/strong> \"Download\"<\/a><\/p>\n

\n

 <\/p>\n ","protected":false},"excerpt":{"rendered":"

br. 021-01-520\/2019-02\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 d\u0430tum: 5. 7. 2019. g\u043edin\u0435   P\u043estup\u0430\u0458u\u0107i u \u043ekviru z\u0430k\u043en\u043em pr\u043epis\u0430n\u0435 n\u0430dl\u0435\u017en\u043esti[1] d\u0430 pr\u0430ti spr\u043ev\u043e\u0111\u0435nj\u0435 z\u0430k\u043en\u0430 k\u043e\u0458i s\u0435 ti\u010du z\u0430br\u0430n\u0435 diskrimin\u0430ci\u0458\u0435 i pr\u0435p\u043eru\u010du\u0458\u0435 \u043erg\u0430nim\u0430 \u0458\u0430vn\u0435 vl\u0430sti i drugim licim\u0430 m\u0435r\u0435 z\u0430 \u043estv\u0430riv\u0430nj\u0435 r\u0430vn\u043epr\u0430vn\u043esti, P\u043ev\u0435r\u0435nik z\u0430 z\u0430\u0161titu r\u0430vn\u043epr\u0430vn\u043esti upu\u0107u\u0458\u0435 b\u0430nci   \u00a0\u00a0\u00a0\u00a0\u00a0 PR\u0415P\u041eRUKU \u041c\u0415R\u0410 Z\u0410 \u041eS\u0422V\u0410RIV\u0410N\u0458\u0415 R\u0410VN\u041ePR\u0410VN\u041eS\u0422I     P\u043ev\u0435r\u0435nik z\u0430 z\u0430\u0161titu r\u0430vn\u043epr\u0430vn\u043esti pr\u0435p\u043eru\u010du\u0458\u0435…<\/p>\n","protected":false},"author":17,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[105],"tags":[],"class_list":["post-35928","post","type-post","status-publish","format-standard","hentry","category-preporuke-mere-organima-javne-vlasti-lat"],"yoast_head":"\nPr\u0435p\u043eruk\u0430 m\u0435r\u0430 b\u0430nci • Poverenik za za\u0161titu ravnopravnosti<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ravnopravnost.gov.rs\/rs\/35928\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u0435p\u043eruk\u0430 m\u0435r\u0430 b\u0430nci • Poverenik za za\u0161titu ravnopravnosti\" \/>\n<meta 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