20.500.12556/DKUM-13173 FINANČNA KRIZA V SLOVENIJI IN VRAČANJE DENARNIH SREDSTEV V POSLOVNE BANKE (PRIMER ABANKE VIPA D.D.) RETURNING OF MONETARY ASSETS IN TO COMMERCIAL BANKS IN THE FRAME OF FINANCIAL CRISIS IN SLOVENIA (THE CASE OF ABANKA VIPA D.D.) Svetovna finančna kriza se je začela v ZDA leta 2007 s pokom hipotekarnega balona kot posledica množičnega trgovanja bank z izvedenimi finančnimi instrumenti drugorazrednih hipotekarnih posojil (listinjenje). Slovenske banke zaradi svoje konservativne politike investiranja, s temi propadlimi finančnimi instrumenti niso trgovale, oziroma so z njimi trgovale zelo malo. Kljub zdravi aktivi slovenskih bank, pa so bile te prizadete zaradi občutno dražjih mednarodnih virov financiranja. Prebivalstvo je na finančno krizo, ki je povzročila drastično padanje vrednosti vrednostnih papirjev reagiralo z odprodajo le-teh in selitev denarnih sredstev v poslovne banke. Banke, med katere spada tudi Abanka Vipa d.d. predstavljajo v kriznih časih varno zatočišče pred borznimi nihanji. Obseg varčevanj se je v poslovnih bankah povečal sočasno z začetkom krize. Prvi znaki razpleta krize se v času pisanja tega dela že kažejo v rasti SBI 20 in zniževanju vlog prebivalstva. Abanka Vipa d.d. je v tem času, kot druge slovenske banke, povečala število vlog. Prav tako je v tem času stimulativno oglaševala pestro ponudbo svojih varčevanj, ki jih namenja vsem segmentom prebivalstva. The global financial crisis began in the USA in the year 2007 with the bang of the mortgage balloon, as a result of massive bank trading with executed financial instruments of the sub-prime mortgage lending (securitization). The Slovenian banks haven’t traded with these ruined financial instruments or have traded with them very little, due to their conservative investment policy. Despite their healthy assets have Slovenian banks been affected by significantly more expensive international funding sources. Population’s reaction to the financial crisis, which caused a drastic decline in the value of securities, was in the sell of these securities and money transfers into commercial banks. Banks, including the bank Abanka Vipa d.d., are in these times of crisis a safe refuge from the stock exchange fluctuations. The savings range of the commercial banks has increased simultaneously with the beginning of the crisis. While writing this work the first signs of crisis ending can be seen in the growth of the index SBI 20 and the reduction of household deposits. The bank Abanka Vipa d.d. has, as other Slovenian banks, increased the number of deposits. Abanka Vipa d.d. has also in these crucial times advertised the variegated offer of its savings, which are suitable for all population structures. finančna kriza varčevanje prebivalstvo poslovna banka jamstvo vlog likvidnost listninjenje drugorazredna posojila bančne vloge vzajemni skladi financial crisis saving population commercial bank security deposits liquidity securitization sub-prime loans bank deposits mutual funds true true false [N. Mihurko] Slovenski jezik Angleški jezik Diplomsko delo 2010-02-14 20:33:59 2010-08-26 14:34:35 2022-04-12 10:58:46 2022-04-20 03:33:39 2010 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 338.1 10341148 URN:SI:UM:DK:9FJDOJIX VS_Mihurko_Nevenka_2010.pdf VS_Mihurko_Nevenka_2010.pdf 1 256CFBB19FF2C9BCD132EDB1E9A3CF04 18cb4c7ec67a9dd501d8a93d45c0bf3f07e0a62bb836a7971b8a641a38965ad1 d6d574dd-7c03-11eb-bb7a-00155d0001ca 20.500.12556/dkum/595e6f75-b3d7-4361-bf06-20c57deef13e https://dk.um.si/Dokument.php?lang=slv&id=13152 Ekonomsko-poslovna fakulteta 0 0 0