20.500.12556/DKUM-20253 BANČNI KREDIT KOT VIR FINANCIRANJA PODJETIJ BANK CREDIT AS A SOURCE OF CORPORATE FINANCING Obravnavanje financiranja v podjetju se nanaša na opravila priskrbe, uporabe sredstev, gospodarjenje z njimi ter vračanje sredstev njihovim virom. Pri določanju finančnih ciljev podjetja in pri sprejemanju finančnih odločitev je potrebno nujno spremljati načela financiranja. Podjetje ima pri financiranju svojega poslovanja številne možnosti, med katerimi lahko izbira. Na voljo ima notranje in zunanje vire financiranja. Med zunanjimi je najpomembnejši kredit. Podjetnikom omogoča predvsem nemoteno, gospodarno in kar se da donosno proizvodnjo. Namen diplomskega seminarja je podrobneje predstaviti značilnosti bančnega kredita. Kredit je prenos vrednosti na drugo osebo, bodisi denarja, blaga ali storitev, v upanju da bo ta oseba nekega dne v prihodnosti sposobna in pri volji plačati enako vrednost. Podjetja se zelo pogosto odločajo za bančni kredit, ki ga daje banka. Banka je posrednik na finančnem trgu in ustvari največ prihodkov s kreditnimi plasmaji. Pri kreditnem poslovanju je predvsem navzočo kreditno tveganje. Banka upravlja kreditno tveganje predvsem z ugotavljanjem kreditne sposobnosti kreditojemalca. Bančno kreditiranje ima velik vpliv na gospodarstvo. S kreditiranjem banke pripomorejo k rasti in razvoju podjetij in celotnega gospodarstva. Treating the financing inside the companies is to bring resources, use resources, handing of resources and invest resources back to the source. By setting the financial goals of the company, by implementing the financial decisions is necessary to follow up the basic rules of financing. Company has by financing its own monetary operations various options, it can choose between them. There are external and internal sources of financing. By external sources most important version is credit. It allows managers undisturbed, economical and good profitability of production. The purpose of the diploma course is to explain in greater detail the characteristics of a bank credit. Credit is the transfer to value to another person, whether money, goods or services, hoping that this person will someday in the future able and willing to pay the same amount. Businesses often decide to use a bank credit, which is given by bank. The bank is an intermediary in the financial market and creates most of revenues with the credit placements. In the credit business the main present is the accelerated credit risk. The bank manages credit risk primarily by determining the creditworthiness of the borrower. Bank lending has a significant impact on the economy. Bank lending to contributes to the growth and development and the overall economy. financiranje notranji viri financiranja zunanji viri financiranja kredit tveganje oblike kreditov financing internal financing external financing credit credit risk type of credit. true true false [S. Čuček] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2011-09-14 08:34:11 2011-11-25 11:56:25 2022-04-14 07:45:42 2023-12-25 03:28:37 2011 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 334.72 10855964 URN:SI:UM:DK:5MOTHK15 UNI_Cucek_Sabina_2011.pdf UNI_Cucek_Sabina_2011.pdf 1 09A869CCE26C31CA6348F514DD34BD11 2944a3a431c732f1b89f50fc758736a4e76ae4b5ac26f191186d1046f863c478 9037fe5b-7c05-11eb-bb7a-00155d0001ca 20.500.12556/dkum/2955f970-a250-4e76-800a-4c55094a3c4a https://dk.um.si/Dokument.php?lang=slv&id=25003 Ekonomsko-poslovna fakulteta 0 0 0