20.500.12556/DKUM-40535 OMEJITEV TVEGANJA PRI POSLOVANJU Z DIREKTNIMI OBREMENITVAMI SEPA IN PRIMERJAVA Z NACIONALNO SHEMO RISK MITIGATION IN DEALING WITH SEPA DIRECT DEBITS AND COMPARISON WITH THE NATIONAL SCHEME Enotno območje plačil v evrih prinaša spremembe vsem akterjem, ki s posluževanjem plačilnih instrumentov prek veljavnih shem urejajo finančne zadeve. SEPA je okolje, kjer udeleženci izvršujejo domača in čezmejna plačila pod enakimi pogoji ter z enakimi pravicami in obveznostmi. Koristi so deležni tako ponudniki plačilnih storitev kakor tudi pravni subjekti in fizične osebe. Banke so z vstopom v nov prostor morale ovrednotiti vpliv SEPA na bodoče poslovanje in delovanje trga. Zniževanje prihodkov iz naslova procesiranja plačilnih storitev in visoki stroški informacijske tehnologije so botrovali iskanju sodobnejših oblik poslovanja. Vpliv konkurence je in bo tudi v prihodnje pripomogel k snovanju novih produktov, povezanih z elektronskim poslovanjem. SEPA z uporabo enega računa omogoča izvrševanje domačih in čezmejnih plačil potrošnikom in gospodarskim družbam, slednjim pa tudi upravljanje plačilne sposobnosti na enem mestu. Uvedba direktne obremenitve SEPA je omogočila dosegljivost plačnikov za izvajanje čezmejnih plačil kjer koli na območju SEPA. V primerjavi z nacionalnimi direktnimi obremenitvami omogoča shema SEPA, ki ne omejuje namena in višine zneska plačila, izvrševanje enkratnih in ponavljajočih se direktnih obremenitev SEPA, vsak bančni delovni dan. Ponudnikom plačilnih storitev je v skladu s pravili delovanja, ki plačnikom opredeljujejo možnost povrnitve že izvršene direktne obremenitve SEPA, ključno, da debetni plačilni instrument proučijo z vidika tveganja. Za banke je pomembno, da najdejo in upoštevajo ukrepe za omejitev tveganja in s tem pripomorejo k večanju ugleda in zaupanja v sheme SEPA za direktne obremenitve. The Single Euro Payments Area brings change to all players that govern their financial affairs by using means of payment over the existing schemes. SEPA is an environment where participants carry out domestic and cross-border payments under the same conditions and with the same rights and obligations. The benefits are received by payment service providers as well as legal entities and private individuals. Banks by entering the new space had to evaluate the impact of SEPA on future operations and functioning of the market. The decline in revenues from the payment processing services and the high cost of information technology contributed to our finding of more modern forms of business. The influence of competition is and will continue to contribute to the design new products related to electronic commerce. SEPA using a single account allows execution of domestic and cross-border payments to consumers and corporations, the latter as well as the management of liquidity in one place. The introduction of SEPA direct debits has enabled the payer the availability of cross-border payments anywhere in the SEPA area. Compared with the national direct debits, SEPA scheme, which does not limit the purpose and amount of payment, enables one-off and recurring direct debit scheme SEPA each bank business day. It is vital to the payment service providers in accordance with the rules of operation, which is determined by the possibility of recovering the payer the already executed direct debits SEPA, to consider the debit payment instrument in the light of risk. For banks it is important to identify and take account of measures to limit the risk and thus contribute to raising the reputation and confidence in the SEPA scheme of direct debits. SEPA direktna obremenitev tveganja NPI migracija plačilna shema plačilni instrumenti standardi infrastruktura. SEPA direct debit risk NPI migration payment scheme payment instruments standards infrastructure. true true false [P. Povoden] Slovenski jezik Angleški jezik Diplomsko delo 2013-05-28 16:15:55 2013-08-13 13:55:50 2022-05-12 23:45:09 2021-04-23 03:30:38 2013 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 11472156 URN:SI:UM:DK:BPT3AWAY VS_Povoden_Peter_2013.pdf VS_Povoden_Peter_2013.pdf 1 3FADEC6221E41A530BCD857AE9BA386C 8d86fd032e5aa7ca2e0942dcd1293aca71f90d647bcf26c5b1a13388dae236ce 0e37063e-7c0a-11eb-bb7a-00155d0001ca 20.500.12556/dkum/240ae804-01d0-4c6a-8722-18a37ff680dc https://dk.um.si/Dokument.php?lang=slv&id=56210 Ekonomsko-poslovna fakulteta 0 0 0