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Title:KOMUNICIRANJE KAPITALSKE DRUŽBE D.D. PRI POSTOPKU SKLENITVE DEPOZITNEGA POSLA
Authors:ID Rihtar, Špela (Author)
ID Ferjan, Marko (Mentor) More about this mentor... New window
Files:.pdf MAG_Rihtar_Spela_2010.pdf (2,18 MB)
MD5: 1D300D27782264DE310A1621DE823561
PID: 20.500.12556/dkum/27933a09-34db-4ea9-8cee-e68e62294b49
 
Language:Slovenian
Work type:Master's thesis
Organization:FOV - Faculty of Organizational Sciences in Kranj
Abstract:Komuniciranje ob postopku sklenitve depozitnega posla na Kapitalski družbi d.d. (v nadaljevanju: Kad d.d.), predstavlja osrednjo temo te magistrske naloge. Pojem depozit (angl. Deposit) se prvotno nanaša na denarne naložbe in označuje denarna sredstva različnih imetnikov, ki jih banka in druge kreditne institucije zbirajo na svojih računih in iz njih odobrijo kredite. Denarni depoziti so obveznost banke do njenih deponentov in jih vodijo na pasivni strani bančne bilance, lastnikom depozitov pa se plačajo tako imenovane pasivne obresti (Leko 1998, 90). Sprejemanje depozitov označuje naložbe denarnih sredstev na računih pri bankah. V magistrski nalogi smo raziskovali in opisovali komuniciranje pri postopku sklenitve depozitnega posla. Na teoretičnih izhodiščih denarnega trga, kamor uvrščamo tudi depozitni posel smo predstavili osnovne lastnosti depozita, podrobneje smo opredelili bistvo in namen delovanja denarnega trga, udeležence in instrumente le-tega. V največji meri pa smo se v nalogi posvetili raziskavi komunikacije pri postopku sklenitve depozitnega posla na Kapitalski družbi d.d.. Zanimalo nas je predvsem ali je obstoječi način zbiranja ponudb pred sklenitvijo depozitnega posla (Kapitalska družba d.d. kliče banke kot ponudnike o.m. preko telefona) ustrezen. Ker smo ugotovili, da obstoječi postopek zbiranja ponudb za nadaljnjo sklenitev depozitnega posla ni popolnoma ustrezen, smo kot predlog podali nov postopek sklenitve depozitnega posla, ki pa bi upravljavcu premoženja nekoliko olajšal njegovo delo, kot slabost pa smo ob predlaganem postopku prepoznali manjšo pogajalsko moč Kapitalske družbe d.d., vendar smatramo, da bi v zelo kratkem času banke tudi na tak način brez dodatnega pogajanja začele ponujati Kapitalski družbi d.d. le najboljše obrestne mere. Kajti tudi bankam je v interesu zagotoviti si čim večjo likvidnost. Predloge oziroma ugotovitve so bile odgovornim na Kapitalski družbi d.d. predstavljene in bodo v bližnji prihodnosti tudi obravnavane na sestanku sklicanem v ta namen. Moj predlog skladno z ugotovitvami te magistrske naloge je , naj družba v bodoče posreduje ponudbo o presežnih denarnih sredstvih - depozitu vsem poslovnim bankam preko elektronske pošte. Na ta način je zagotovljeno, da gre informacija do vseh poslovnih bank istočasno, kar jih postavlja v enakopraven položaj. Ravno tako predlagam, naj banke obrestno mero v celoti prepustijo trgu. Interno bi imele banke določeno okvirno obrestno mero, ki bi bila odvisna od dogajanja na medbančnem trgu, minimalne obrestne mere, ki jo priznava Banke Slovenije, ipd.
Keywords:Ključne besede: depozit, denarni trg, likvidnost, denarna sredstva, uravnavanje likvidnosti.
Place of publishing:Maribor
Year of publishing:2010
PID:20.500.12556/DKUM-13342 New window
COBISS.SI-ID:6639891 New window
NUK URN:URN:SI:UM:DK:T95UKP23
Publication date in DKUM:04.05.2010
Views:2706
Downloads:218
Metadata:XML DC-XML DC-RDF
Categories:FOV
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Secondary language

Language:English
Title:COMMUNICATION OF KAPITALSKA DRUŽBA D.D (CAPITAL CORPORATION) IN THE PROCEDURE OF CONCLUDING A DEPOSIT TRANSACTION
Abstract:The central topic of this paper is communication in the procedure of concluding deposit transactions in Kapitalska družba d.d. (English name: Pension Fund Mana-gement) (hereinafter: Kad d.d.). The basic meaning of the expression “deposit” refers to money deposits, i.e. the monetary assets of various holders, which banks and other credit institutions collect in their accounts and grant credits out of such funds. Monetary deposits are the bank’s liabilities towards its depositors; they are displayed on the passive side of the bank’s balance sheet, and passive interests are paid to the owners of deposits (Leko 1998, 90). Receiving deposits means receiving monetary assets paid into bank accounts. The master’s thesis researches and describes communication in the procedure of concluding deposit transactions. In the described theoretical starting points of the monetary market, where deposit transactions belong to, the basic characteristics of deposit are presented. The thesis deals with the essence and the purpose of the monetary market functioning, as well as with its participants and instruments, however, the emphasis is laid on the research of communication in the procedure of concluding deposit transactions in Kad d.d. The main issue of the research was to find out, if the existing method of collecting bids prior to the conclusion of a deposit transaction (Kapitalska družba d.d. calls banks as bidders by phone) is adequate. Since it had been found out that the existing method of collecting bids for further conclusion of a deposit transaction was not quite appropriate, a proposal of a new procedure of concluding deposit transactions was given. This procedure would facilitate the asset manager’s job, however, it cannot avoid a smaller weakness, namely Kad d.d. would have less negotiation power in such a procedure. In spite of that I believe that banks would start to offer only the best interest rates to Kad. d.d. without any additional negotiation in a very short time, for banks are also interested in achieving the best possible liquidity. The proposals and findings of the research have been presented to the responsible persons of Kad d.d. In the nearest future they will be discussed at the meeting which will be organised for this purpose. Following the findings of the research, dealt with in the master’s thesis, I propose that Kad d.d. communicates its future bids in relation to monetary asset surplus – deposits – to all business banks through electronic mail. In this way it is ensured that the information reach all business banks simultaneously, which gives them an equal position in the business. Likewise I propose that banks should leave the interest rates entirely to the market. Internally, banks would determine their framework interest rate, which would depend on the events in the interbank market, a minimum interest rate, which is approved by the Bank of Slovenia, etc.
Keywords:deposit, monetary market, liquidity, monetary assets, liquidity adjus-tment.


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