20.500.12556/DKUM-19914 OBLIKE ZAVAROVANJ KREDITOV IN CENE KREDITOV FORMS OF CREDIT INSURANCE AND CREDIT PRICES Danes je veliko ljudi in podjetij oškodovala velika finančna kriza, ki vključuje padce vrednosti premoženja in propade številnih subjektov. Razlog zanjo je izguba zaupanja v domač bančni sistem. Podjetja so se vedno več zadolževala, saj z lastnimi sredstvi ne morejo zagotoviti dovolj hitrega razvoja. Podjetja oz. banke morajo dobro poznati tveganja svojega poslovanja in se pred njimi tudi ustrezno zavarovati. Zavarovanje kreditov je obvezno, saj je namenjeno tudi izrednim primerom, kot so izguba službe, smrt, … V takih primerih kreditojemalec ni sposoben poravnati svojih obveznosti in zato banka potrebuje kritje. Za način zavarovanja kredita se posameznik odloči že pred sklenitvijo kreditne pogodbe in tako jamči banki, da bo njegov dolg povrnjen. Kreditno zavarovanje je pomembno tudi pri poslovanju domačega podjetja s tujim, saj je tveganje večje, ker nimamo toliko informacij in podatkov o tujem podjetju. Tako se lahko podjetje zaščiti s primernim kreditnim zavarovanjem. Banke, ki so pridobile dovoljenje Banke Slovenije, lahko opravljajo bančne storitve. Pri vstopu v Slovenijo imajo tuje banke, ki so iz držav članic Evropske unije, drugačne pogoje kot tuje banke, ki so iz drugih držav. Banke držav članic Evropske unije, ki uživajo prednostni položaj, lahko poslujejo v Sloveniji neposredno ali preko podružnic. Prihod tujih bank ima svoje prednosti in slabosti. Prednost je, da prihod tuje konkurence spodbuja domače banke k bolj učinkovitemu poslovanju. Financial crisis has caused great damage to a lot of companies throughout the world, which include droppings of the value of properties and numerous subjects. The reason lies within the Lack of trust in domestic bank system. Companies and banks have to know the risks regarding their way of doing business and have to make proper insurance towards them. Credit insurance is required because it is devoted to specific cases such as a lost of the job or in case of a death. In such cases the borrower is not capable of settling the liabilities, so the bank needs some coverage. A person decides for credit insurance before signing the contract and guarantees the bank that he will pay off his debt. Credit insurance is also important when making business with companies from foreign countries, because he risk of not paying the debt is greater, as we don`t know the company so good. In such cases the company can insure itself by deciding for credit insurance. Banks that gained permission from the Bank of Slovenia can now provide bank services. Foreign bank from Europe Union have different terms when entering Slovenian market than banks that are not from EU. Privileged banks from EU can do business directly or via branches. There are pros and cons when talking about the arrival of foreign banks. One of the benefits is that the arrival of foreign bank encourages domestic banks to more efficient business. zadolževanje podjetji finančna kriza bančni sistem zavarovanje kreditov kreditna pogodba Corporate borrowing financial crisis banking system credit insurance credit agreement true true false [I. Kutnjak] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2011-09-02 14:46:45 2011-12-07 09:28:11 2022-04-13 15:45:11 2023-12-26 03:23:59 2011 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.77 10882588 URN:SI:UM:DK:NRWAOIYI UNI_Kutnjak_Ines_2011.pdf UNI_Kutnjak_Ines_2011.pdf 1 119DA233B3E504C7A9D792EC95F16D20 c4f4b448db8bd92a2dd4251cd1a1fc26f35c83184526d5d969c199daf3161e14 7e282aaf-7c05-11eb-bb7a-00155d0001ca 20.500.12556/dkum/43508cc4-592f-452f-ade9-226f1bae7fdf https://dk.um.si/Dokument.php?lang=slv&id=25873 Ekonomsko-poslovna fakulteta 0 0 0