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Title:METODOLOGIJA KREDITNEGA OCENJEVANJA GOSPODARSKIH DRUŽB V KRIZNIH POGOJIH
Authors:ID Lešnik, Suzana (Author)
ID Savin, Davor (Mentor) More about this mentor... New window
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Language:Slovenian
Work type:Master's thesis/paper
Organization:EPF - Faculty of Business and Economics
Abstract:Finančna kriza s katero se ukvarja ves svet, je zamajala svetovno gospodarstvo in bančni sistem. Čeprav sta evropski in slovenski bančni sistem poslovala bistveno manj tvegano kot ameriški, je finančni sektor pod velikim pritiskom. Središče načrtovanja je v takšnih okoliščinah nedvomno usmerjeno prav v posledice finančne krize. Tveganja v bankah so danes po vsem svetu deležna večje pozornosti kot kadarkoli v preteklosti. Raziskave dokazujejo, da so tudi v finančnih institucijah končno spoznali pomen upravljanja s tveganji. Propadi številnih finančnih institucij so tudi slovenske banke postavili na trdna tla in jih prisilili k učinkovitemu spremljanju tveganj. Glavni namen magistrske naloge je opredeliti kreditno tveganje v poslovni banki v času finančne krize in predstaviti razširjeni model za ocenjevanje kreditnega tveganja, pri tem pa izpostaviti vse kriterije, ki so ključni za prepoznavanje kreditnega tveganja v banki. V drugem poglavju magistrske naloge podajamo teoretične osnove kreditnega tveganja v banki in pojasnimo definicijo krize. Opredelimo tveganja, ki jim je izpostavljeno poslovanje banke ter posebno pozornost namenimo opredelitvi kreditnega tveganja. V nadaljevanju magistrske naloge, v tretjem poglavju predstavljamo model za ocenjevanje kreditnega tveganja v Novi KBM d.d., ki je prilagojen v letu 2009 na finančno krizo. Model je v prvih točkah tretjega poglavja podkrepljen s teoretičnimi osnovami poznavanja procesov zgodnjega odkrivanja povečanega kreditnega tveganja in presojanja kreditne sposobnosti. V četrtem poglavju magistrskega dela posebno pozornost namenimo konkretizaciji modela kreditnega tveganja in sicer na primeru financiranja gradbenih projektov. V tem poglavju izpostavimo problematiko nepremičninskega trga in plačilne nediscipline med gradbenimi podjetji, predstavimo model za ocenjevanje bančnega tveganja pri financiranju gradbenih projektov v Novi KBM d.d. ter model konkretiziramo na celotni finančni analizi podjetja X.
Keywords:banka, kreditno tveganje, finančna kriza, kreditna sposobnost, model, Nova KBM d.d., finančna analiza, boniteta, plačilna nedisciplina, gradbeništvo, gradnja za trg
Place of publishing:[Maribor
Publisher:S. Lešnik
Year of publishing:2010
PID:20.500.12556/DKUM-14794 New window
UDC:336.77
COBISS.SI-ID:10439964 New window
NUK URN:URN:SI:UM:DK:625R7ZIO
Publication date in DKUM:25.11.2010
Views:3631
Downloads:0
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:METHODOLOGY FOR ASSESSMENT OF CREDIT RISK FOR COMPANIES IN CRISIS ECONOMIC CONDITIONS
Abstract:The financial crisis which involved the whole world, is deteriorating global economy and banking system. Although the European and the Slovenian banking system operated much less risky than the U.S., the financial sector is under great pressure. The center design is in such circumstances, it certainly focused the effects of the financial crisis. Risk in the banks, are now all over the world, have received greater attention than ever. Studies show, that as the financial institutions have finally realized the importance of risk management. The collapse of many financial institutions are also Slovenian banks, placed on solid ground and being forced to the effective monitoring of risks. The main purpose of this paper, is to define the credit risk of commercial banks during the financial crisis and present an expanded model for assessing credit risk, while exposed to all the criteria that are key to the identification of credit risk in the bank. In the second chapter, we give the theoretical basis of credit risk in the bank and explain the definition of a crisis. Identified risks that have highlighted the Bank's operations and pay special attention to the definition of credit risk. The following this paper, in the third section, we present a model for assessing credit risk in Nova KBM d.d., which is adjusted to the 2009 financial crisis. The model is in the first paragraphs of third Chapter, supported by the theoretical basics of understanding the processes of early detection of increased credit risk and credit assessment. In the fourth chapter of this paper, special attention to the clarification of the credit risk model, namely the case of financing construction projects. In this chapter, the problems exposed the real estate market and payment indiscipline among construction companies, we present a model for evaluating credit risk in the financing of construction projects in Nova KBM d.d. and abstract model on the entire financial analysis of companies X.
Keywords:bank, credit risk, financial crisis, credit capacity, credit risk model, Nova KBM d.d, financial analysis, credit rating, payment discipline, construction, construction of market


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