20.500.12556/DKUM-12152 FINANČNA ANALIZA PRI OBVLADOVANJU KREDITNEGA TVEGANJA NA PRIMERU MEDNARODNE FINANČNE INŠTITUCIJE FINANCIAL ANALYSIS IN MANGEMENT OF CREDIT RISK; THE CASE OF INTERNATIONAL FINANCIAL INSTITUTION Kreditna dejavnost bank je povezana s tveganjem, da kredit ne bo vrnjen in da obresti po kreditu ne bodo poplačane. To tveganje je lahko večje ali manjše glede na boniteto posojilojemalca oz. glede na obseg kredita. Kakovostna analiza kreditne sposobnosti je temelj uspešnega obvladovanja omenjenega tveganja. Banka mora pred odobritvijo vsake naložbe oceniti, koliko je komitent sposoben izpolnjevati obveznosti do banke. Tudi na praktičnem primeru skupine Istrabenz smo lahko videli, kako pomembno je, da banka ves čas trajanja pravnega razmerja spremlja rednost poravnavanja obveznosti komitenta in še posebej kako iz leta v leto posluje. Ne samo, da je potrebno obravnavati tekoče poslovanje ampak tudi predvidevati gibanja v prihodnje in v tem smislu ukrepati. Zato tudi banke upnice skupine Istrabenz že nekaj časa iščejo rešitve in način, kako bi izterjale svoje terjatve do Istrabenz skupine. Credit activity of the banks is associated with credit risk that loan and/or its related interests will not be returned. This risk can be higher or lower according to quality of the borrower or according to volume of credit. Quality credit analysis of credit adequacy is a basic element of successful managing of this kind of risk. Before the approval of investment, bank should estimate how customer is able to comply with obligations of the bank. Even on practical case of Istrabenz group we can see how important it is to bank that for entire duration of legal relationship, monitors customer settlements of commitments, in particular how from year to year it operates. It is not only necessary to monitor current operating but it is important to predict future events and movements and also to take action in this regard. Therefore, the creditor banks of the Istrabenz group for some time looking for solutions and the way how to recover claims against Istrabenz group. Slovenski bančni sistem vrste tveganja kreditno tveganje dejavniki kreditnega tveganja ekonomski kazalniki. Slovenian banking system the types of risk credit risk credit risk factors financial analysis economic indicators. true true false [Z. Divković] Slovenski jezik Angleški jezik Diplomsko delo 2009-10-09 12:04:25 2009-11-27 12:13:22 2022-04-12 07:15:26 2022-04-19 03:13:51 2009 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 339.7 10047516 URN:SI:UM:DK:RTYFAFW4 UNI_Divkovic_Zorica_2009.pdf UNI_Divkovic_Zorica_2009.pdf 1 68EE93581B754524DE4C400AD26A1D5D 2fde4d24b9388d4b9a17625520768c95153ba8bac2f21c218646a65c6ad9b3f7 541eaa7d-7c03-11eb-bb7a-00155d0001ca 20.500.12556/dkum/6d67dbd9-1163-40b4-b8cb-599df3142ff3 https://dk.um.si/Dokument.php?lang=slv&id=11333 Ekonomsko-poslovna fakulteta 0 0 0