20.500.12556/DKUM-23319 PREDNOSTI IN NEVARNOSTI PRI IZDAJI OBVEZNIC POSLOVNIH BANK TER NJIHOV VPLIV NA BONITETO IN KAPITAL BANKE BENEFITS AND RISKS OF ISSUING BONDS OF COMMERCIAL BANKS AND THEIR IMPACT ON RATING AND CAPITAL Kot sem prikazal skozi diplomski seminar imamo v Sloveniji na področju izdaje dolžniških inštrumentov še veliko neizpolnjenih alternativ, ki se jih banke oklepajo in se jih ne poslužujejo kot ostale banke v Evropi. Naše poslovne banke se še naprej držijo enostavnega pridobivanja kapitala, financiranja z depozitnimi vlogami prebivalcev. Kar se tiče sindiciranih posojil, ki imajo številne prednosti so se jih naše banke posluževale, vendar so se razmere na trgih zaostrile kar je prizadelo tudi naše banke. Krivci za to so tudi znižanja bonitetnih ocen, ki smo jih bili deležni s strani ameriških bonitetnih hiš. Tudi pri nastalem kreditnem krču v Sloveniji bosta morale država in banke najti skupni jezik, ker nastala situacija pri financiranju podjetjem škoduje samo zaposlenim in viša brezposelnost, ki še narašča. Torej pridobljeni kapital s pomočjo različnih emisij obveznic na trg morajo banke plasirati v zdrave dele gospodarstva , da oživijo finančno krizo, ki je nastala v Evropi. Pri tem pomaga tudi ECB z raznimi odkupi obveznic posameznih držav. As I show through a graduate seminar in Slovenia we have on a debt issue has a lot of blank alternatives, that is surrounded by banks and are not relying as other banks in Europe. Our commercial banks continue to hold easy to raise capital funds through deposits of the population. As for syndicated loans, which have many advantages they have resorted our bank, but the situation has become worse in the markets which has affected our banks. Culprits for this are downgrades. Also created a credit crunch in Slovenia will have to state banks and find a common language, since the situation arose in financing companies only damages to employees and raises unemployment, and growing. So capital raised through the emissions of different bonds in the market, banks must qualify for the healthy parts of the economy to pick up the financial crisis, which originated in Europe. This also helps the ECB buying bonds with various national. zamenljive obveznice krite obveznice evroobveznice sindicirano posojilo bonitetna ocena dodatni kapital temeljni kapital izdaja obveznic refinanciranje dolga convertible bonds covered bonds Eurobonds syndicated loans credit rating additional capital core capital bond issues debt refinancing true true false [M. Godinič] Slovenski jezik Angleški jezik Delo diplomskega seminarja/zaključno seminarsko delo/naloga 2012-05-27 15:41:15 2012-09-21 12:10:40 2022-04-14 12:24:58 2023-12-24 03:23:18 2012 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.76 11159068 URN:SI:UM:DK:EJ8Z2K6L VS_Godinic_Marjan_2012.pdf VS_Godinic_Marjan_2012.pdf 1 DA6BE0F7350FCB9CBB6227263BE19A1A 2bc3447a48fce08939e34f2cc05b181000d0f938677dbb1e3ca8867f65300f0e ac03f2dc-7c06-11eb-bb7a-00155d0001ca 20.500.12556/dkum/77bfc0b1-02c4-4e99-adf7-8edfebab0f6f https://dk.um.si/Dokument.php?lang=slv&id=48209 Ekonomsko-poslovna fakulteta 0 0 0