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Title:PRESOJANJE BONITETE PODJETJA Z UPORABO FINANČNIH IN NEFINANČNIH KAZALNIKOV
Authors:ID Platovšek, Boštjan (Author)
ID Jagrič, Timotej (Mentor) More about this mentor... New window
Files:.pdf UNI_Platovsek_Bostjan_2010.pdf (1,58 MB)
MD5: 2A3382AA21DA02B65387FFA50803EAD7
PID: 20.500.12556/dkum/c0cac4c1-43a3-473e-8a21-e92ea1d5cd93
 
Language:Slovenian
Work type:Undergraduate thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Poznavanje poslovnega partnerja in njegove bonitete je eden ključnih načinov za zmanjševanje informacijske asimetrije ter tveganj, ki izvirajo iz nje. Preverjanje bonitete podjetja postaja poslovna praksa, ki se je izkazala za zelo učinkovito doma in v svetu. Prav tako pomeni mnogo lažji in predvsem hitrejši način dostopa do kakovostnih informacij, ki jih za učinkovito presojo potrebujemo o določenem poslovnem subjektu. S tem zmanjšujemo nepotrebno izgubo časa, energije, volje, interesa za fizično iskanje informacij, ki nas v končni fazi (ne)pripeljejo do želenega cilja. Motivacija izhaja iz želje po čim boljšem obvladovanju tveganj in izrabljanju poslovnih priložnosti. Če o teh nismo dovolj in pravočasno informirani, lahko prezremo podjetje, ki bi nam kot poslovni partner pripomoglo k učinkovitejšemu doseganju ciljev. Razumevanje analize bonitete podjetja in njenega celotnega pojma pojasnjuje cel spekter finančnih in nefinančnih kazalnikov, ki skupaj tvorijo bonitetno analizo. Tradicionalni pristopi k presoji bonitete podjetja niso več primerni, saj se znova in znova uveljavljajo dodatna, nova merila, ki posodabljajo modele ter teorije moderne analize. Razgiban razvoj sili podjetja k upoštevanju aktualnih dejavnikov, torej od številnih panožnih do okoljskih in drugih specifičnih dejavnikov, ki jih je potrebno prilagoditi vsaki presoji posebej. Zaradi tega so novejši načini presojanja bonitete podjetja podatkovno zahtevnejši in gradijo na večji pripravljenosti podjetij za razkrivanje informacij ter za praktično sodelovanje. Vse dejavnike je potrebno presojati v njihovi medsebojni povezanosti, torej v času, prostoru, med podjetji, panogami, itd. Kakovostno presojanje bonitete podjetja je v veliki meri odvisno ne le od razpoložljivih podatkovnih osnov, temveč tudi od znanja, veščin, osebnih in strokovnih lastnosti presojevalca. Pri tem mislimo predvsem na lastnosti, kot so odločnost, dinamičnost, kreativnost, poštenost, strokovnost in temeljitost. Ob dobri strokovni podkovanosti, dolgoletnih izkušnjah in raziskovalnih sposobnostih, je presojevalec pomembnejši od računalnika, hkrati pa je sama poklicna usmerjenost zelo zaželjena in iskana ter prinaša velik zaposlitveni potencial. V diplomski nalogi smo teoretično definirali in ugotavljali boniteto izbranih podjetij. Vsi izračuni so temeljili na uporabi količinskih in kakovostnih dejavnikov, ki zagotavljajo uspeh podjetja. Opozorili smo tudi na vrsto dejavnikov, ki zahtevajo posebno pozornost in podrobnejšo obdelavo, da se podjetje v največji možni meri izogne oviram in pastem. V današnjem stresnem in razgibanem internem ter eksternem dogajanju je v podjetju potrebno nenehno sledenje novim oblikam pridobivanja informacij, modelov analiz in drugih oblik presoje. Predstavljeni način presojanja bonitete podjetja je primeren za podjetja v mednarodni špedicijski dejavnosti, z izpopolnitvami in prilagoditvami novim spoznanjem pa lahko koristi tudi drugim praktičnim izkušnjam.
Keywords:boniteta podjetja, bonitetna analiza, obvladovanje tveganj, informacijska asimetrija, poslovni partnerji, plačilna (ne)disciplina, finančni in nefinančni kazalniki, presojevalec bonitete podjetja.
Place of publishing:Celje
Publisher:[B. Platovšek]
Year of publishing:2010
PID:20.500.12556/DKUM-13962 New window
UDC:658.14/.17
COBISS.SI-ID:10368284 New window
NUK URN:URN:SI:UM:DK:V4IS2EE0
Publication date in DKUM:04.10.2010
Views:4239
Downloads:815
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:ASSESSMENT OF THE CREDITWORTHINESS OF AN ENTERPRISE WITH THE USE OF FINANCIAL AND NON - FINANCIAL INDICATORS
Abstract:Knowing a business partner and his benefits is one of the key ways for reducing information asymmetry and the risk arising from it. Establishing the advantages of a business is becoming an established business practise which has proven to be very effective in our country and abroad. It also means an easier and most of all quicker way to access quality information which is needed for thorough judgment on a certain business subject. This is the way to reduce unneeded loss of time, energy, will and interest for physically searching for information which do not necessarily bring the envisioned results. The motivation stems from the wish for better risk management and taking advantage of business opportunities. If we are not well and timely informed, we can overlook a company which would, as a business partner, help us to achieve our goals more efficiently. The understanding of the analysis of the advantages of a company and its notion as a whole describes the whole spectrum of financial and non-financial indicators which together form the benefit analysis. The traditional approach to benefit analyses of a company are no longer appropriate because new and additional measures have been put into force, which update the models and theories of the modern analysis. The vivid progress is forcing the companies to take into account current events; this means various branches, ecology and other specific factors which have to be adapted to each individual analysis separately. This is why the newer ways of benefit analyses of companies are more demanding in terms of information and are built on a wider willingness of companies to reveal information and cooperate in praxis. All factors have to be analysed according to their mutual interaction, i.e. in space, time, among companies, branches, etc. The quality of benefit analyses depends to a great extent on not only the available information bases, but also on knowledge, skill, as well as personal and professional qualities of the judge. We are mostly talking about qualities such as decisiveness, dynamics, creativity, honesty, professionalism and thoroughness. A good professional proficiency, long year experience and researching skills makes the judge much more important than a computer, the professional orientation itself is highly desired and holds a high employment potential. The diploma paper deals with the theoretical definition and finding the benefits of the chosen companies. All calculations are based on the use of quantitative and qualitative factors which ensure the success of the company. We have pointed out a variety of factors which demand extra attention and a thorough treatment so that the company can avoid obstacles and pitfalls to the largest extent possible. In the present stressful and vivid internal and external environment the company has to constantly follow new ways of information acquisition, models of analyses and other ways of research. The method of analysing benefits of a company shown in this paper is suitable for companies in international forwarding business, with certain improvements and adjustments it could also serve other practical experience.
Keywords:Creditworthiness of an Enterprise, Benefit analysis, Risk Management, Information asymmetry, Business partners, (lack of) payment discipline, financial and non-financial indicators, Credit Rating Analyst.


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