20.500.12556/DKUM-61987 PRAVNE ZNAČILNOSTI FINANČNIH ZAVAROVANJ TER VPLIV INSOLVENČNIH POSTOPKOV NA FINANČNA ZAVAROVANJA LEGAL CHARACTERISTICS OF FINANCIAL COLLATERAL AND IMPACT OF INSOLVENCY PROCEEDINGS ON FINANCIAL COLLATERAL Finančna zavarovanja so izraz za posebna pravila, ki veljajo za zavarovanje terjatev in so bistvenega pomena za delovanje finančnega sistema. Ureja jih Direktiva 2002/47/ES, v slovensko zakonodajo pa so bila implementirana z ZFZ. Gre za posebno ureditev znanih pravnih instrumentov, ki velja ob splošnih pravilih za zavarovanje terjatev. Posebna pravila veljajo zgolj za pravna razmerja med določenimi subjekti ter za točno določene predmete zavarovanja. Zanje velja omejena obličnost, visoka stopnja skrbnosti delovanja in posebna pravila v primeru insolventnosti pogodbenih strank. Namen finančnih zavarovanj je zagotavljanje hitrih in neformalističnih postopkov izvršitve zaradi zagotavljanja finančne stabilnosti in omejevanja učinkov neizpolnitve finančnih obveznosti. Sprejem ZFZ je v slovensko zakonodajo vnesel določene novosti in sicer omilitev prepovedi komisornega dogovora, pridobitev pravice na finančnem instrumentu ter tudi možnost prisvojitve in uporabe predmeta finančnega zavarovanja. Banke ter druge finančne institucije, kot subjekti finančnih zavarovanj, imajo izredno pomemben položaj v gospodarskem sistemu Evropske unije, zato imajo tudi privilegiran položaj v insolvenčnih postopkih, kar bo tudi vodilo celotne diplomske naloge, in sicer oris posebnega položaja finančnih zavarovanj v insolvenčnih postopkih. V diplomski nalogi pa bo zajeta tudi vrsta stvarnega zavarovanja – notarska prodaja, ki je bila vključena v ZFZ leta 2013, ki omogoča zunajsodno prodajo zastavljene nepremičnine. Financial collaterals are the expression of specific rules applicable to collateral receivables and are essential of the financial system functioning. They are governed by Directive 2002/47/ES, which was implemented into Slovenian legislation by Financial Collateral Act (ZFZ). It is a special regulation of known legal instruments, used alongside general rules for financial collateral. Special rules apply only to legal relationships among certain subjects as well as for specific objects of collateral. They are the subject of limited formality, a high care and operational level and having special rules in the case of insolvency of the contracting parties. The purpose of financial collateral is providing rapid and non-formal enforcement of procedures for ensuring financial stability and limiting the effects of failure to fulfill financial obligations. Implementation of ZFZ into Slovenian legislation has introduced certain novelties, namely mitigation of the prohibition of lex commissoria, the entitlement to a financial instrument as well as the possibility of appropriation and use of the financial collateral object. Banks and other financial institutions, as subjects of financial collateral, have an extremely important position in the economic system of the European Union, and therefore have a privileged position in insolvency proceedings, which will also lead the entire thesis, namely the outline of the specific position of financial collateral in insolvency proceedings. The thesis will also cover the type of real estate insurance – a notary sale, which was included in ZFZ in 2013, and allows extra-judicial sale of the mortgaged property. finančno zavarovanje pogodba o finančnem zavarovanju insolvenčni postopki notarska prodaja Direktiva 2002/47/ES Direktiva 2009/44/ES dogovor o pobotu zaradi predčasnega prenehanja komisorni dogovor financial collateral financial collateral agreement insolvency proceedings notary sale Directive 2002/47/ES Directive 2009/44/ES close – out netting lex commissoria true true false [J. Kerec] Slovenski jezik Angleški jezik Diplomsko delo 2016-08-20 20:08:59 2016-09-19 08:31:43 2022-06-28 03:07:15 2019-07-11 12:39:47 2016 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 368(043.2) 5303339 URN:SI:UM:DK:L80FGPZ2 UN_Kerec_Janja_2016.pdf UN_Kerec_Janja_2016.pdf 1 D3CD4D6DB5CCD0976AC6F4E7D06AC0DB 733afb2b5e7783d5d4f2deee40626afdcf869d68c5bf98912fe2dcae9510b7b7 0d300f24-7c0d-11eb-bb7a-00155d0001ca https://dk.um.si/Dokument.php?lang=slv&id=99184 Pravna fakulteta 0 0 0