20.500.12556/DKUM-58097 LISTINJENJE V BANKAH SECURITIZATION IN BANKS Začetki listinjenja segajo v leto 1970 v ZDA. Pri listinjenju gre za povezavo med posojili, njihovim prodajanjem in izdajanjem vrednostnih papirjev. Listinjenje omogoča financiranje na aktivni strani bilance, torej da se določena sredstva na aktivni strani preoblikujejo v vrednostne papirje, ki se nato prodajo investitorjem. Samo listinjenje torej omogoča boljšo razpršenost tveganja, kar hkrati povečuje tudi splošno finančno stabilnost. Listinimo lahko katerokoli premoženje, ki je dovolj veliko in homogeno. V procesu listinjenja zberemo osnovna sredstva v tako imenovan »bazen« sredstev, ki se nato prodajajo investitorjem kot vrednostni papirji. Banke si s sekuritizacijo povečujejo prihodek, svojo likvidnost in tako lažje dosežejo kapitalske zahteve. Pri listinjenju premoženja sodeluje več udeležencev, prvi akter listinjenja pa je ponavadi banka, ki zbere sredstva za listinjenje in jih nato proda izdajatelju. Ta potem izda vrednostne papirje, ki so zavarovani na podlagi teh sredstev in jih proda naprej investitorju. Ob tem pa ne smemo pozabiti, da kakor so prednosti listinjenja, tako so tudi slabosti. Pravna podlaga listinjenja v Sloveniji ni ravno dodelana, kar smo ugotovili tudi po opravljenih intervjujih v bankah, saj je večina intervjuvanih bank mnenja, da pri njih listinjenje ni razvito. The beginnings of a securitization were in 1970 in the United States of America. The securitization is a combination of loans, their sales and the issuance of securities. Securitization allows financing on the assets side of the balance, so that certain assets on the asset side are transformed into securities and those are then sold to investors. Securitization allows better risk diversification, which also increases the overall financial stability. Securitization can consist any property which is sufficiently large and homogeneous. In the process of securitization we collect fixed assets in the so-called "pool" of funds, which are then sold to investors as securities. Banks can increase their income, liquidity and have better capital requirement. Securitization involves several actors, the first player of securitization is usually a bank, which collects funds for securitization and then sold to the issuer. He then issues securities that are secured on these assets and sell them on to investors. In the process of securitization we can not forget at the advantages and disadvantages of securitization. Legal basis of securitization in Slovenia are not really finished, which we can see also after interviews with banks, where the majority of them says, that they are not developed in securitization. listinjenje listinjenje v Sloveniji Zakon o hipotekarni in komunalni obveznici udeleženci listinjenja prednosti in slabosti listinjenja vrednostni papirji securititization securitization in Slovenia law of mortgage and communal bonds participants in securitization advantages and disadvantages of securitization securities true true false [D. Marton] Slovenski jezik Angleški jezik Delo diplomskega projekta/projektno delo 2016-04-06 21:27:47 2019-07-16 11:29:10 2022-06-16 03:06:54 2019-07-26 11:31:12 2016 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.71 13353500 URN:SI:UM:DK:7IS9X70G VS_Marton_Dolores_2016.pdf VS_Marton_Dolores_2016.pdf 1 FF93A0732C8455389F2D0BA070A4787A 71b7c5fefb1e66410927db067132fe70c09d5ce86ad0f5cc5459f81917a14d93 7317aaae-7c0c-11eb-bb7a-00155d0001ca https://dk.um.si/Dokument.php?lang=slv&id=91499 Ekonomsko-poslovna fakulteta 0 0 0