20.500.12556/DKUM-17200 UGOTAVLJANJE BONITETE PODJETIJ V BANKI ESTABLISHING CREDIT RATINGS OF FIRMS IN A BANK Banke so pri svojem poslovanju podvržene številnim tveganjem, med katerimi je najpomembnejše kreditno tveganje. Da bi ta tveganja v banki čim bolj obvladali, moremo dobro poznati svoje poslovne partnerje s katerimi poslujemo. Preveriti moramo njihove finančne in nefinančne izkaze. Vse te informacije so vključene v bonitetno oceno podjetja. Poznavanje bonitete podjetja nam omogoča mnogo lažji in hitrejši način dostopanja do kakovostnih informacij, ki jih v poslovnem svetu potrebujemo o podjetju. Banke ocenjujejo kvaliteto svojega kreditnega portfelja in kreditnega tveganja na podlagi bonitetnih ocen komitentov. Ta ocena nam pove, kako je podjetje sposobno ustvarjati prihodnje denarne tokove in ali bo podjetje v prihodnje sposobno poravnavati finančne obveznosti. Za kompleksno oceno bonitete podjetja moremo zraven podatkov o preteklem poslovanju podjetja (finančni podatki, bilanca stanja in izkaz poslovnega izida) pridobiti tudi nefinančne podatke, tako imenovane mehke podatke (značilnosti podjetja, vodstva, panoge, tehnologije, zaposlenih, okolja…). Prihodnje poslovanje podjetja, njegov potencial, položaj na trgu, sposobnost vodstva, konkurenčne prednosti so podatki, ki sestavljajo le del bonitete podjetja. Da pridemo do teh podatkov mora komitent razkriti banki številne informacije o svojem podjetju, ki pa lahko sodijo tudi v poslovno skrivnost. Namen diplomskega dela je bil, da prikažem postopek, po katerem bančni analitik v bonitetni službi poslovne banke razvršča komitente v bonitetne razrede in določa zgornje meje zadolževanja. V prvem delu sem predstavila predvsem teoretična spoznanja o proučevanju bonitete podjetja (tveganja, finančna analiza in boniteta podjetja). V drugem delu diplomskega dela pa sem uporabila analitični pristop, naredila sem finančno analizo podjetja XY d.o.o., kjer sem se posluževala predvsem količinskih in kakovostnih dejavnikov. Banks have to deal with many risks, the most important being the credit risk, in their transactions. In order to control these risks, banks have to know their business partners, with whom they do business, very well. Banks have to check their partners' financial and nonfinancial statements. The information is included into the company's credit standing estimation. Knowing company's credit standing estimation enables us easier and quicker access to useful information needed in the business world. Banks estimate the quality of their credit portfolio and credit risk based on the credit standing estimations of the clients. This evaluation shows how the company will be able to make future money flows and if the company will be able to repay their financial obligations. In order to get a complex credit standing estimation of a company we need data on previous monetary operations (financial data, a balance sheet, business outcome statement) and nonfinancial data, called soft data (company characteristics, management, branches, technology, employees, environment,...). Future company business, company's potential, its market position, management abilities, competition advantages are only a part of the credit standing estimation. In order to get to this data the client has to reaveal a lot of information, which can be business secret, to the bank. The aim of my thesis was to present the procedure used by a bank analyst in credit standing estimation service of a bank. The bank analyst uses this procedure to classify clients in credit standing estimation levels and to determine the highest credits. The first part of the thesis is about theoretical comprehension on company's credit standing estimation study (risks, financial analysis and company credit standing estimation). I used analytical approach and did a financial analysis of XY d.o.o. company by using different quantity and quality factors in the second part of my thesis. podjetje banka kredit presoja kreditne sposobnosti kreditno tveganje kreditna sposobnost boniteta podjetja Company Bank Credit Credit worthiness estimmation Credit risk Credit ratins Creditor reliability true true false [R. Janžekovič] Slovenski jezik Angleški jezik Diplomsko delo 2011-01-04 09:19:42 2011-03-07 11:37:08 2022-04-13 09:17:34 2023-12-22 03:17:02 2010 0 Muretinci 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 10583580 URN:SI:UM:DK:EX1TWROW VS_Janzekovic_Romana_2011.pdf VS_Janzekovic_Romana_2011.pdf 1 CC056B1DEB9F5AEB900ACB1BD02E6A07 adaa9b1af52bcf6027320f9dbfd03e44bebea2ae6583f77ad6f3e5025cc717ff d53b8f7b-7c04-11eb-bb7a-00155d0001ca 20.500.12556/dkum/b5e782f4-241b-47ac-86a8-35e1816467e1 https://dk.um.si/Dokument.php?lang=slv&id=19916 Ekonomsko-poslovna fakulteta 0 0 0