20.500.12556/DKUM-19944 POMEN IN VRSTE KREDITOV TER KREDITIRANJE V NOVI LJUBLJANSKI BANKI SIGNIFICANCE AND TYPES OF LOANS AND LOAN ACTIVITIES OF NLB Za lažje razumevanje kredita je potrebno najprej ločiti med pojmoma posojilo in kredit. Že v rimskem pravu sta imela izraza različen pomen. Posojilo je samo vrsta kupčije, s katero med strankama nastane kreditno razmerje. Vsaka kupčija, pri kateri se stranki dogovorita, da sta dajatev in nasprotna dajatev časovno razmaknjeni, imata za posledico nastanek kreditnega razmerja in s tem upnika in dolžnika. V primeru, da gre za posojanje denarnih sredstev, bi bil primernejši izraz posojilo. Kredit pa pomeni začasen prenos vrednosti od kreditodajalca na kreditojemalca. V slovenskem bančnem prostoru je v preteklih letih prišlo do velikih sprememb. Nove komitente banke pridobivajo s ponudbo ugodnejših storitev za komitente, z nastankom novih gospodarskih subjektov ali pa s privabljanjem komitentov konkurence. Pri tem pa je banka izpostavljena kreditnemu tveganju, ki pomeni tveganje izgube kot posledica dolžnikove nezmožnosti, da izpolni svoje finančne oziroma pogodbene obveznosti. Pri znižanju obrestne mere povpraševanje po kreditu narašča. Po drugi strani pa bo pri visokih obrestnih merah posledično prišlo do prekomernega varčevanja, kar bo vplivalo na proizvodnjo in posledično na brezposelnost. To facilitate understanding of the credit must first distinguishbetween the concept of loans and credits. Only the type of loan is a bargain by which the parties to a creditrelationship. Any bargain whereby the parties agree that the duties and time spaced opposite charges, have resulted in the emergence of the credit relationship, and the creditor and debtor. In the case of loan funds, would have been more appropriate termloan. Credit means the temporary transfer of value from the lander to the borrower. The Slowenian banking sector in recent years have wittnessed significant changes. Banks gain new customers by offering services to clients with the creatin of new economic entities, or by attracting customers of competition. While the Bank is exposed to credit risk, which means the risk of loss resulting from the debtor is inability to meet it is financial or contractual obligations. When interest rates decrease the demand for credit in creases. On the other hand, at high interest rates there subsequently - over – saving, which will affect production and hence on unemployment. vrste kreditov pomen kreditov kreditna pogodba kreditno razmerje efektivna obrestna mera kreditno tveganje študentski krediti Nova Ljubljanska banka d.d. types of loans meaning loans credit agreements credit ratio effective rate credit risk student loans Nova Ljubljanska banka d.d. true true false [T. Kranjec] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2011-09-04 21:38:16 2011-11-24 09:52:15 2022-04-13 15:46:24 2023-12-26 03:17:46 2011 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.77 10853404 URN:SI:UM:DK:ZQ9D43UP UNI_Kranjec_Tanja_2011.pdf UNI_Kranjec_Tanja_2011.pdf 1 581FB54DA9FE007A1F53963C856BB615 44d91aecaa412982a01fa9e79b26f17ec80270b725d64d948469a0787b894b07 7ff59d48-7c05-11eb-bb7a-00155d0001ca 20.500.12556/dkum/ee8f9a4e-2d08-4a22-bacf-9c1a15bacfe1 https://dk.um.si/Dokument.php?lang=slv&id=25129 Ekonomsko-poslovna fakulteta 0 0 0