20.500.12556/DKUM-90114 Prepoznavanje in obvladovanje obrestnega tveganja v družinskih proračunih Identification and management of interest rate risk in family budgets Obvladovanje obrestnega tveganja je ključnega pomena za ohranjanje finančne stabilnosti in varnosti gospodinjstva. Pojav obrestnega tveganja zaznamo kot spreminjanje obrestnih mer, kjer pa je pomembno s premišljenim upravljanjem in strategijami to tveganje zmanjšati. V diplomskem delu s pomočjo analiziranja relevantne literature sprva raziskujemo splošne informacije o obrestnem tveganju, njegovem pomenu in oblikah v splošnem, nato pa opredelimo še načine merjenja in obvladovanja obrestnega tveganja predvsem v podjetjih in finančnih institucijah. Fokus dela je postavljen na obrestnem tveganju v družinskem proračunu, kjer opredelimo, na kakšen način sploh prepoznavamo obrestno tveganje v gospodinjstvu, katere finančne obveznosti v družinskem proračunu predstavljajo možnost pojave obrestnega tveganja ter načini, kako ta obrestna tveganja v družinskem proračunu najboljše obvladujemo. V empiričnem delu s pomočjo anketnega vprašalnika analiziramo pridobljene podatke, kako gospodinjstva zaznavajo in sprejemajo obrestno tveganje ter kako se z njim soočajo. Managing interest rate risk is key to maintaining financial stability and household security. The occurrence of interest rate risk is perceived as a change in interest rates, where it is important to reduce this risk through well-thought-out management and strategies. In the diploma thesis, by analysing the relevant literature, we first explore general information about interest rate risk, its meaning and forms in general, and then we define ways of measuring and managing interest rate risk, especially in companies and financial institutions. The focus of the thesis is on interest rate risk in the family budget, where we define how we recognize interest rate risk in the household, which financial obligations in the family budget represent the possibility of interest rate risk and the ways in which these interest rate risks are best managed in the family budget. In the empirical part, with the help of a questionnaire, we analyse the data obtained on how households perceive, accept and deal with interest rate risk. obrestno tveganje obvladovanje tveganja družinski proračun obrestne mere gospodinjstvo interest rate risk risk management family budget interest rates household true true false A. Kodrič Slovenski jezik Angleški jezik Diplomsko delo/naloga 2024-08-22 16:07:40 2024-10-23 12:31:46 2024-10-24 03:18:16 0000-00-00 00:00:00 2024 0 Maribor 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 336.78 212665603 UN_Kodric_Aljana_2024.pdf UN_Kodric_Aljana_2024.pdf 1 867A3E4F150F492B07C22401C0DED4FD ebe966e64918586ce17196860b3c5cedde732d0d5cdf3222a747574a5988b5db e32357d3-7743-11ef-9603-00155d000105 https://dk.um.si/Dokument.php?lang=slv&id=185574 Ekonomsko-poslovna fakulteta 0 0 0