20.500.12556/DKUM-12882 INFORMACIJSKA PODPORA PRI OCENJEVANJU BONITETE KOMITENTA V BANKI INFORMATION SUPPORT IN ASSESSING THE CREDITWORTHINESS OF BANK COSTUMER To diplomsko delo zajema več področij, ki se med seboj povezujejo. Osrednja tema je informacijski sistem, ki se nanaša na ugotavljanje bonitete komitenta. V prvem delu sem opredelila tveganja, ki nastanejo pri poslovanju banke in kako jih le-te obvladujejo. Ker obstaja več vrst tveganj sem se omejila na kreditno tveganje, ki sem ga podrobneje predstavila. Sporazum Basel II pa je bil odgovor na vedno večja tveganja. V drugem delu sem podrobneje predstavila pojem bonitetna ocena. Navedla sem kazalnike in podatke, ki so potrebni za izračun bonitetne ocene ter opredelila dejavnike bonitet podjetja. Opisala sem bonitetne razrede in vpliv Basla II na presojo bonitete podjetja. V tretjem delu sem predstavila informacijski sistem v banki X, ponudnika programske opreme Adacta d.o.o. ter informacijsko povezavo z zunanjimi viri informacij. V četrtem delu sem predstavila bonitetno dejavnost v Sloveniji. Ker je ta že zelo razširjena in ima veliko različnih virov informacij, sem se omejila le na nekatere. To so: spletni portali E-bonitete, IBON, GVIN.com; Bonitetna hiša I d.o.o. in institucija, ki je prav tako prisotna tudi kot spletni portal AJPES. V zadnjem petem delu sem podrobneje predstavila slovenski informacijski sistem bonitet (SISBON). This diploma work covers several areas that are in relation to each other. The main theme is information system relating to the determination of the customer's rating. In the first part I defined the risks which are occurring in the business of banks and how they control them. There are several kinds of risk so I limited on the credit risk, which I have presented in detail. The agreement Basel II was a response to increasing risk. In the second part, I presented in detail the concept of credit rating. I presented indicators and data needed to calculate the ratings and identified credit rating of companies. I described the credit ratings and the impact of Basel II on the assessment of the firm's credit standing. In the third part I present information system in the Bank X, a provider of software Adacta d.o.o. and the information connection with external sources. In the fourth part, I presented a credit rating activity in Slovenia. Since it is already widespread and it has many different sources of information, I limited on only a few. These are: web portals E-bonitete, IBON, GVIN.com; Bonitetna hiša I d.o.o. and to Slovene institution that is also present as a web portal AJPES. In the last fifth part, I presented in detail the Slovenian information system ratings (SISBON). Kreditno tveganje Basel II bonitetna ocena informacijski sistem Adacta d.o.o. zunanji viri informacij e-bonitete IBON AJPES GVIN.com bonitetna hiša I d.o.o. SISBON. Credit risk Basel II credit rating information system Adacta d.o.o. external sources of information E-bonitete IBON AJPES GVIN.com Bonitetna hiša I d.o.o. SISBON. true true false [P. Fišer] Slovenski jezik Angleški jezik Diplomsko delo 2010-01-11 14:04:42 2010-08-16 12:19:52 2022-04-12 07:53:13 2022-04-20 03:19:49 2010 0 Ješenca 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 10326044 URN:SI:UM:DK:AIJWX9S7 UNI_Fiser_Petra_2010.pdf UNI_Fiser_Petra_2010.pdf 1 E72A1B4EBA8C8BF8B2D3A3D9E29515A9 9c26ab840e4a6023562f3d94b886300482f9a55228435d2d29a7839e75be45da c3e12604-7c03-11eb-bb7a-00155d0001ca 20.500.12556/dkum/fd7d48aa-5d46-430b-8eaf-a43c77d9e4ca https://dk.um.si/Dokument.php?lang=slv&id=12669 Ekonomsko-poslovna fakulteta 0 0 0