20.500.12556/DKUM-13839 BANČNO KREDITIRANJE PODJETIJ TEKOM SVETOVNE FINANČNE IN GOSPODARSKE KRIZE CORPORATE BANK LENDING DURING THE WORLD FINANCIAL AND ECONOMIC CRISIS Diplomsko delo z naslovom Bančno kreditiranje podjetij tekom finančne in gospodarske krize v teoretičnem poglavju obravnava vrste bančnih kreditov podjetjem, pojasnitev pojma kreditnega tveganja ter zahteve kapitalskega sporazuma Basel II glede kapitalske ustreznosti bank. Poleg predpisanega količnika kapitalske ustreznosti morajo banke za varnost svojega poslovanja poskrbeti tudi z natančno preučitvijo kreditne sposobnosti potencialnega kreditojemalca ter zahtevami glede ustreznega kreditnega zavarovanja. V okviru tretjega poglavja je govora o svetovni finančni in gospodarski krizi, o dogajanju na ameriškem trgu nepremičnin in hipotekarnih kreditov pred izbruhom ter širitvijo krize v ostale dele sveta in v ostale sektorje gospodarstva. Povzeli smo najpomembnejše vzroke in povode, ki so posredno pripeljali do razmer, v katerih se trenutno nahaja slovensko gospodarstvo. Četrto poglavje prikazuje analizo bančnega kreditiranja podjetij pred in tekom svetovne finančne in gospodarske krize v Sloveniji in evroobmočju. Primerjali smo podatke o obsegu odobrenih posojil in njihovi strukturi v letih 2006, 2007, 2008 ter 2009. Posebej smo analizirali tudi gibanje bančnih posojil podjetjem po posameznih panogah ter finančni položaj slovenskih podjetij in njihove zamude pri poravnavanju obveznosti do bank. V nadaljevanju četrtega poglavja smo primerjali podatke o posojilnih obrestnih merah za podjetja v Sloveniji in evroobmočju ter ugotavljali vzroke vse večjih razlik med njimi. Ob koncu diplomskega dela smo povzeli najpomembnejše ukrepe Vlade Republike Slovenije za premostitev kreditnega krča in spodbuditev bank k oživljanju kreditne aktivnosti. S predstavitvijo treh najpomembnejših ukrepov smo želeli prikazati prispevek države k reševanju likvidnostnih težav slovenskih podjetij. Theoretical grounds of this thesis are about existing types of bank loans granted to companies, explanation of the term credit risk as well as claims of »Basel II« Accords regarding bank capital suitability. In order to assure safety of their operations, it is crucial, that the banks do a proper analysis of a potential borrower, followed by the main claims of the credit insurance as well as assuring of a proper quotient of the capital suitability. Third chapter covers the world financial and economical crisis, situation on American real-estate market and mortgage-credit market before crisis outbreak and its spreading to other countries and economical sectors. We have summarized the most important ground (indirectly) leading to the situation, which Slovenian economy is currently in. Fourth chapter analyses corporate bank lending before and during the world financial and economical crisis in Slovenia and Euro territory. We have analyzed data on granted loans and its structure in years 2006, 2007, 2008 and 2009. We have separately analyzed the flotation of loans to the companies based on particular branch, financial position of these companies and their delays at settling their obligations to the bank. Later on we have compared data on interest rates for these loans in Slovenia and Euro territory and assessed reasons why the differences among them grow bigger. Finally we have summarized the most important measures by the Government of Republic Slovenia for overcoming credit crunch and encouraging banks in credit activity resurrection. By introducing three most important measurements we have strived to expose governments’ contribution to solving liquidity issues of Slovenian companies. bančni krediti kreditno tveganje banke kreditna sposobnost in boniteta podjetij zavarovanje kredita svetovna finančna in gospodarska kriza in kreditiranje podjetij protikrizni ukrepi. bank loans credit risk of banks creditworthiness and credit rating insurance world financial and economic crisis and bank lending anti-crisis measures. true true false [L. Kokot] Slovenski jezik Angleški jezik Diplomsko delo 2010-05-03 21:48:56 2010-08-03 12:35:02 2022-04-12 11:31:42 2023-12-16 03:33:04 2010 0 Dolga Gora 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.77 10308380 URN:SI:UM:DK:RP8WXYGF UNI_Kokot_Lucija_2010.pdf UNI_Kokot_Lucija_2010.pdf 1 B8743B197320D10D8CE7CA4900768813 bb46a772d6e6652c68e0866a7a2dbb7b555eeffcdf70ae806a3197c566191277 01f26e52-7c04-11eb-bb7a-00155d0001ca 20.500.12556/dkum/c976bdef-7173-4398-ad4e-e5b089f61f06 https://dk.um.si/Dokument.php?lang=slv&id=14294 Ekonomsko-poslovna fakulteta 0 0 0