KREDITI PRAVNIM OSEBAM-NA PRIMERU BANKE X

Grbac, Tamara

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Title:	KREDITI PRAVNIM OSEBAM-NA PRIMERU BANKE X
Authors:	ID Grbac, Tamara (Author) ID Jagrič, Timotej (Mentor) More about this mentor...
Files:	UNI_Grbac_Tamara_2011.pdf (254,75 KB) MD5: E15CA0924BB0E65A26E0F26E041003ED PID: 20.500.12556/dkum/f5a981ab-4775-405a-b164-b147bb203c95
Language:	Slovenian
Work type:	Final seminar paper
Organization:	EPF - Faculty of Business and Economics
Abstract:	Banka je organizacija, katere glavna značilnost je zbiranje presežnih denarnih sredstev in dajanje kreditov. Pod določenimi pogoji nudi kratkoročne in dolgoročne kredite tako fizičnim kot tudi pravnim osebam. Za uresničitev določenega cilja velikokrat ne zadostujejo lastna sredstva, potrebno je pridobiti dodatna finančna sredstva, tukaj pa se pojavijo banke s ponudbo kreditov. Pri kreditnem razmerju gre za razmerje med upnikom in dolžnikom. Banka pred odobritvijo kredita preveri bonitetno sposobnost komitenta z namenom zmanjšanja kreditnega tveganja. Kljub veliki previdnosti banka in podjetje ne moreta predvideti dogodkov, ki bi lahko negativno vplivali na vračilo kredita. Zato banka vse večjo pozornost namenja zavarovanju vračila kredita. V diplomskem seminarju sem se osredotočila na ponudbo kreditov pravnim osebam. Opisala sem dolgoročne in kratkoročne kredite, bonitetno sposobnost podjetja in podrobneje postopek odobritve in vodenja kredita pravnim osebam.
Keywords:	Ključne besede: kredit, kratkoročni kredit, dolgoročni kredit, kreditno tveganje, bonitetna sposobnost, kreditno zavarovanje.
Place of publishing:	Maribor
Publisher:	[T. Grbac]
Year of publishing:	2011
PID:	20.500.12556/DKUM-20334
UDC:	336.71
COBISS.SI-ID:	10881820
NUK URN:	URN:SI:UM:DK:2G2WSORW
Publication date in DKUM:	06.12.2011
Views:	2046
Downloads:	193
Metadata:
Categories:	EPF
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Secondary language

Language:	English
Title:	CREDITS TO LEGAL PERSONS-ON THE CASE OF BANK X
Abstract:	A bank is an organization whose main characteristic is collecting the folded money funds and giving credits. Under certain conditions it gives short-term and long-term credits to physical persons and companies. A lot of times it is not enough to have one's own means to achieve a certain goal – it is needed to get additional financial means; therefore, there are banks with their credits' offer. There is a credit relationship which means a relationship between a creditor and a debtor. The bank checks the advantage ability of its commissioner before it approves for a credit to lower the credit risk. Even though the bank and the company are curious, they cannot foretell events that could be negative for repayment of the credit. Therefore, the bank gives strong attention to credit repayment insurance. I have focused on the offer of credits to companies in the diploma seminar paper. I have described long-term and short-term credits, the advantage ability of the company and the procedure of approval and managing the credit to the companies.
Keywords:	a credit, a short-term credit, a long-term credit, credit risk, advantage ability, credit insurance.

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