20.500.12556/DKUM-15964 PLAČILNA NEDISCIPLINA V ČASU GLOBALNE GOSPODARSKE KRIZE PAYMENT INDISCIPLINE DURING A GLOBAL ECONOMIC CRISIS Pri poslovanju podjetij prihaja do zamud v plačilih. Razlog za to je lahko nelikvidnost, nesolventnost ali namerno zamujanje. To pripelje do plačilne nediscipline, pojava, ki je prisoten že dolgo časa, vendar je v zadnjem času postal zelo velik problem. Z njim se spopada celotna Evropa. Lahko bi jo primerjali z boleznijo, ki se prenaša s podjetja na podjetje in ima vpliv tudi na državo. Ena hujših težav, ki jo lahko povzroča, je brezposelnost. Različni načini zavarovanja terjatev omogočajo delno zaščito pred plačilno nedisciplino. Lahko rečemo, da jo omilijo in ne preprečijo. Pomembno bi bilo posredovanje države, da plačilno nedisciplino prepreči pred nastankom, saj so instrumenti za zavarovanje terjatev previsok strošek za mala podjetja. Zaenkrat je najučinkovitejši način previdnost pri sklepanju poslov in redno spremljanje terjatev. Analiza prikazuje gibanje plačilne nediscipline od leta 2003 do 2010 v Sloveniji. Pomembne prelomnice, ki so vplivale nanjo, so vstop Slovenije v Evropsko unijo in globalna gospodarska kriza. Število neplačnikov ni dovolj učinkovit pokazatelj, temveč je potrebno upoštevati še celotno število udeležencev. Delays in payments are occurring at business of company. Reason is especially illiquidity, insolvency or intentional delayed of payments. This leads to payment indiscipline, that has been already present a long time. However it was become a very huge problem in many economies. Entire Europe battle with it and we could compare it with a disease, which is transmitted from company to company and has influence on the entire state. Unemployment is one more serious problem that can makes it. Various ways of insurance of debt enable to partial protect before payment indiscipline. We can say that they ease it and do not prevent it. It would be inportant intervention of government that make payment indiscipine inpossibe before a creation because the instruments for insurance are too extensive for small businesses. Caution at reasoning of deals and regular following of debts is the most efficient solution for now. The analysis shows motion of payment indiscipline since 2003 by 2010 in Slovenia. Entrance in European Union and global economic crisis are the inportant dividing points, that has influenced on pamyment indiscipline. That we get degree of payment indiscipline we must consider canvas attendance in comparison to number of defaulters. PLAČILNA NEDISCIPLINA LIKVIDNOST SOLVENTNOST KAPITALSKA USTREZNOST PAYMENT INDISCIPLINE ILLIQUIDITY INSOLVENCY CAPITAL COMPLIANCE true true false [J. Mauer] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2010-09-27 11:17:04 2011-01-26 13:11:21 2022-04-13 07:45:08 2023-12-20 03:10:29 2010 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 658.14/.17 10541340 URN:SI:UM:DK:CCKRIXD0 UNI_Mauer_Joze_2010.pdf UNI_Mauer_Joze_2010.pdf 1 E66DE0E9C90B5B41629879CD50B73919 a23885c22cb3a920237ffbf12d07e4fe6283086edc92a3a8e78427e53f3f1ab2 87813dbf-7c04-11eb-bb7a-00155d0001ca 20.500.12556/dkum/ea9d2c16-e6ab-4216-a274-41e291b18c8f https://dk.um.si/Dokument.php?lang=slv&id=17819 Ekonomsko-poslovna fakulteta 0 0 0