20.500.12556/DKUM-13149 BANČNI KREDITI PREBIVALSTVU NA PRIMERU HRANILNICE LON D.D. KRANJ BANK LOANS FOR POPULATION IN THE CASE OF HRANILNICA LON D.D. KRANJ S pomanjkanjem denarja se v svojem življenju sreča skoraj vsak povprečni Zemljan. Mnogi vidijo rešitev v najetju kredita. Postopek pridobitve kredita zgleda enostavno, zbrati potrebno kreditno dokumentacijo in dobiti pritrdilen odgovor kreditne komisije. Kreditojemalci so si med seboj različni. Mnogo kreditojemalcev niti ne ve, kaj je efektivna obrestna mera oz. interkalarne obresti. Mnogi sklenejo kreditno razmerje z banko oz. hranilnico, zaradi prijaznosti uslužbencev. To je pa tudi dejstvo, ki mu je posvečeno moje diplomsko delo, katerega namen je predstaviti potrošniško kreditiranje na primeru Hranilnice Lon d.d., Kranj. Rdeča nit tega diplomskega dela se vrti okoli potrošniškega kreditiranja, zbiranja potrebne dokumentacije, pogojev kreditiranja,… V prvem poglavju sem pojasnila osnovne pojme, s katerimi se srečujemo pri potrošniškem kreditiranju. Drugo poglavje je namenjeno predstavitvi Hranilnice Lon d.d., Kranj. Tu sem predstavila ustanovitev in razvoj hranilnice. Dotaknila sem se tudi bilance stanja in uspeha Hranilnice Lon d.d., Kranj. V tretjem poglavju konkretno predstavim kreditno ponudbo Hranilnice Lon d.d., Kranj. Podrobno predstavim pogoje in potrebno kreditno dokumentacijo za odobritev potrošniškega kredita. Vse to ponazorim na praktičnem primeru. Četrto poglavje je namenjeno splošni predstavitvi medbančnega informacijskega sistema SISBON. V petem poglavju diplomskega dela je predstavljena analiza ankete, ki sem jo opravila z določenim številom ljudi. There comes a time in life when everyone faces with lack of money. The majority sees the solution in credit loans. The procedure for acquiring a loan seems simple as you must collect all the needed credit documentation and get an affirmative answer from the credit committee. Debtors are different amongst each other. Most of them do not even know about effective rate and intercalary interests. Many of them sign a credit loan with certain banks and savings banks just due to their attentive employees. That is the fact my diploma thesis is covering. The purpose is to present consumer credits on the example of the Lon savings bank. The diploma thesis is focusing on consumer credits, collecting documentation, credit criteria … In the first chapter I explain the basic terms with which we cooperate in consumer credits. The second chapter contains a presentation of the Lon savings bank. I analyze the establishment and the development of the Lon savings bank. The paper also discusses the financial state and success of the Lon savings bank. The credit offers are presented in the third chapter. The conditions and needed credit documentation for approval of consumer credit are also captured. They are shown on a practical case. The presentation of interbank informational system SISBON is in fourth chapter. I have also done a survey with a group of people and the results are presented in sixth chapter. kredit obrestna mera EURIBOR SISBON credit interest rate EURIBOR SISBON .. true true false [S. Šumar] Slovenski jezik Angleški jezik Diplomsko delo 2010-02-09 17:25:23 2010-07-14 10:11:48 2022-04-12 10:57:32 2022-04-20 03:31:39 2009 0 Velenje 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.77 10287388 URN:SI:UM:DK:0O8A5WPJ VS_Sumar_Sladana_2010.pdf VS_Sumar_Sladana_2010.pdf 1 02A39C07EA0B2730A8D9B5C5BC62B62F dfc98b89678c7d4ca18197588c218c8da2cafc9171ba9298c4b7d6b9431d04cd d586ee87-7c03-11eb-bb7a-00155d0001ca 20.500.12556/dkum/28d7d731-01ce-446b-8501-b3531a689294 https://dk.um.si/Dokument.php?lang=slv&id=13220 Ekonomsko-poslovna fakulteta 0 0 0