Gospodarske krize imaju snažne efekte na kompanije i građane. One uzrokuju krize u poslovanju kompanija te dovode do problema insolventnosti u kojima kompanije nisu u mogućnosti zatvoriti dospjele obveze, bivaju blokirane od strane Financijske agencije i posljedično završavaju u stečaju te se gase. Da bi se poslovne krize ublažile ili izbjegle, postoje instrumenti izvan kompanije koji se preventivno brinu o njenom poslovanju te svojim djelovanjem naslućuju krizna stanja ili se bave rješenjima nastale krize. U tom kontekstu može se spomenuti uloga Financijske agencije koja daje informacije o bonitetu poslovnih subjekata, ali i uloga Vlade Republike Hrvatske čijim je djelovanjem definiran zakon o predstečajnoj nagodbi i stečajnom postupku. S druge strane, kompanije su dužne i same izrađivati financijske izvještaje pomoću kojih mogu planirati svoje poslovanje i tako se pripremiti za dolazak turbulentnih razdoblja. Krizna stanja unutar kompanija odražavaju se i na njihove zaposlenike, odnosno građane. Građani su visoko zaduženi i ovise o dijelu dohotka koji im je najviši, a to su plaće. Plaćama podmiruju tekuće obveze i obveze iz prošlosti, ali i obveze koje nastaju u budućnosti. Iz tog razloga insolventnost kompanija utječe i na insolventnost građana te se i oni aktivnijim nastupom na tržištu mogu pripremati za krizna vremena i tako ih učinkovitije prebroditi.

Economic crises have strong impacts on companies and citizens. They cause crises in the business and lead to insolvency problems in which companies are unable to close their debts, then they are blocked by the Financial Agency and consequently they end up in bankruptcy. In order to alleviate or avoid a business crisis, there are instruments outside of a company that preventively take care of its business, and with its action they are talking about crisis situations or dealing with crisis-solving solutions. In this context, the role of the Financial Agency, which provides information on the creditworthiness of business entities, as well as on the role of the Government of the Republic of Croatia, which has defined the law on pre-bankruptcy and bankruptcy proceedings, can be mentioned. On the other hand, companies are obliged to produce financial statements themselves to plan their business and prepare for the coming of turbulent periods. Crisis situations within the company also reflect on their employees or citizens. Citizens are heavily indebted and they depend on the share of their highest income, which are wages. With their wages they are paying current liabilities and obligations from the past, but also the obligations that arise in the future. For this reason, the insolvency of the company also affects the insolvency of the citizens, and they can also prepare themselfs better for crisis times in the market and thus more efficiently overcome them.