20.500.12556/DKUM-10162 ZAVAROVANJE IN IZTERJAVA TERJATEV V NLB D.D. LJUBLJANA CLAIM SECURITY AND ENFORCEMENT IN NLB D.D. LJUBLJANA Banke pri svojem poslovanju večinoma razpolagajo z denarjem svojih komitentov, na drugi strani pa ta denar posojajo kreditojemalcem. Pri tem se banka sooča z različnimi tveganji, ki se med seboj prepletajo in so medsebojno povezana. Prav zato se pri svojem poslovanju ne odloča o tem ali bo tveganje sprejela ali ne, temveč o tem, v kolikšnem obsegu se mu bo izpostavila. Prav iz tega razloga banke aktivno prevzemajo in upravljajo s tveganji, saj jim to zagotavlja prihodek in obstoj. Spremljanje kreditnega tveganja in zagotavljanje kapitalske ustreznosti ne zadoščata več za učinkovito in varno poslovanje bank. Pri tem se moramo zavedati, da ima banka, ki aktivno upravlja s tveganji, precejšnjo konkurenčno prednost in s tem možnost ustvarjanja zahtevanih donosov. Tako je upravljanje s kreditnim tveganjem bistvenega pomena za uspešnost vsake finančne institucije, upravljanje s tveganji pa najpomembnejša bančna dejavnost, ki mora biti vgrajena v globalno politiko banke. In their dealings banks usually possess the monetary means of their customers while on the other hand they lend this money to the borrowers. By doing so the bank usually faces various risks that intertwine with each other and also interconnected at the same time. For this particular reason the bank does not decide whether to accept the above-mentioned risks in their business transactions or not but to what extent she it will expose itself to such risks. That is why the banks are actively undertaking and managing risks since this provides their income and existence. Monitoring of credit risks and ensuring capital adequacy is not longer sufficient for effective and safe operation of banks. In this respect, we must take into account that the bank, actively managing risks, has substantial competitive advantage and by that a possibility of creating the required output. Hence, the management of credit risks is essential for the successful performance of every financial institution and management of risks the most important banking activity, which must be integrated into the global policy of banks. ključne besede banka tveganja likvidnost kreditno tveganje obrestno tveganje valutno tveganje operativno tveganje kreditna sposobnost boniteta vrsta zavarovanja slabe naložbe izterjava. Key words Bank risks liquidity credit risk interest rate risk foreign exchange risk operational risk creditworthiness credit standing type of insurance poor investments collection. true true false Slovenski jezik Angleški jezik Diplomsko delo 2009-04-16 22:42:34 2009-06-19 13:28:16 2022-04-11 16:02:52 2022-04-16 03:13:35 2009 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 9888028 URN:SI:UM:DK:WZE06XRO VS_Biscak_Mlakar_Francka_2009.pdf VS_Biscak_Mlakar_Francka_2009.pdf 1 F16857D90EDADFA1ED279FCAF883A4FF f34d629bc58989f88a70a3961783ecc5566a2bb74040b41264c62f3f44c68cd8 bdd7ff61-7c02-11eb-bb7a-00155d0001ca 20.500.12556/dkum/bf9fb909-9907-415d-9865-cfd5b5665182 https://dk.um.si/Dokument.php?lang=slv&id=8118 Ekonomsko-poslovna fakulteta 0 0 0