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Title:POMEN TVEGANJA NEIZPOLNITVE OBVEZNOSTI NASPROTNE STRANKE V REPUBLIKI SLOVENIJI
Authors:ID Ibrahimović, Ademir (Author)
ID Oplotnik, Žan Jan (Mentor) More about this mentor... New window
Files:.pdf MAG_Ibrahimovic_Ademir_2013.pdf (1,15 MB)
MD5: 54E908EB44730A080DB402216F093A5C
PID: 20.500.12556/dkum/9ae66dca-94de-4648-aec9-51fd98bf2158
 
Language:Slovenian
Work type:Master's thesis/paper
Typology:2.09 - Master's Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Tveganje neizpolnitve obveznosti nasprotne stranke večkrat enačimo s kreditnim tveganjem, vendar kreditno tveganje predstavlja le del tveganja neizpolnitve obveznosti nasprotne stranke. Tveganje neizpolnjevanja nedenarnih obveznosti, kot eden izmed zvrsti tveganja neizpolnitve obveznosti nasprotne stranke, vpliva na vrednost ekonomskega subjekta, bodisi neposredno (na sredstva in obveznosti) ali posredno (na ugled ekonomskega subjekta). Neizpolnjevanje nedenarnih obveznosti pa v določenem času vpliva na denarni tok ekonomskega subjekta, s čimer se ekonomskemu subjektu povečajo finančne težave. Največji vpliv poleg kreditnega tveganja ima tudi finančna nedisciplina ekonomskih subjektov. Neobvladovanje tveganja neizpolnitve obveznosti nasprotne stranke predstavlja veliko nevarnost prenosa tveganja na sistematično tveganje v določenem ekonomskem prostoru ali celotni ekonomiji. Finančna kriza je zvišala stopnjo tveganja neizpolnitve obveznosti nasprotne stranke pri vseh ekonomskih subjektih. Določeni dogodki, ki so se zgodili v RS, kot so zmanjšanje gradbene dejavnosti ter večje omejitve pri pridobivanju posojil, so tveganje neizpolnitve obveznosti nasprotne stranke še bolj povečali. Likvidnostne težave ekonomskih subjektov so se vedno bolj povečevale. Mnogi ekonomski subjekti v RS so morali začeti insolventne postopke, kot so stečaj, prisilna poravnava ter likvidacija. Zaradi insolventnih postopkov pa bodo mnoge neporavnane obveznosti v nadaljnjih letih ostale »neporavnane«. Likvidnostne težave ekonomskih subjektov v RS so se zaradi tega začele še bolj povečevati, s čimer so se začele povečevati tudi neporavnane obveznosti ter s tem tveganje neizpolnitve obveznosti nasprotne stranke. Obvladovanje tveganja neizpolnitve obveznosti nasprotne stranke postaja vedno bolj pomembno, zaradi vedno večje rasti moralnega hazarda v RS. Prav tako postaja tudi večja potreba po regulatornem nadzoru tveganja neizpolnitve obveznosti nasprotne stranke. Obvladovanje in spremljanje vpliva tveganja neizpolnitve obveznosti nasprotne stranke na ekonomijo zelo pomembna za širši interes ekonomije. Magistrsko delo poudarja ta pomen in predstavlja primer vpliva tveganja neizpolnitve obveznosti nasprotne stranke na slovensko ekonomijo.
Keywords:Tveganje neizpolnitve obveznosti nasprotne stranke, tveganje neizpolnitve pogodbenih obveznosti, kreditno tveganje, finančna nedisciplina, plačilna nedisciplina, plačilna sposobnost, finančna kriza, gospodarska kriza, poslovne tendence, ekonomski trendi, moralni hazard, poslovna etika, obvladovanje tveganja neizpolnitve obveznosti nasprotne stranke, obvladovanje tveganja neizpolnitve pogodbenih obveznosti, obvladovanje tveganj, finančno tveganje, obvladovanje finančnih tveganj
Place of publishing:Nova Gorica
Publisher:[A. Ibrahimović]
Year of publishing:2013
PID:20.500.12556/DKUM-40465 New window
UDC:336.71
COBISS.SI-ID:11480348 New window
NUK URN:URN:SI:UM:DK:ATMFXNV4
Publication date in DKUM:28.08.2013
Views:2854
Downloads:227
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:IMPORTANCE OF COUNTERPARTY RISK IN THE REPUBLIC OF SLOVENIA
Abstract:The counterparty risk or also known as risk of non-fulfilment of obligations of the other party is most often referred to as credit risk; however, credit risk only represents part of the risk of non-fulfilment of obligations of the other party. The risk of non-fulfilment of non-monetary obligations; is one of the key parts of counterparty risk, influences the value of the economic entity; it either has a direct effect on assets and obligations or it has an effect of the reputation of the economic entity. Non-fulfilment of non-monetary obligations after a certain period of time influences the cash flow of the economic entity, thus increasing the economic entity's financial problems. In addition to credit risk, late-payment culture of economic entities has the greatest effect. Failure to manage the counterparty risk represents a great danger of transfer of risk to systematic risk in a certain economic environment or in the entire economy. Rate of counterparty risk has been raised to all economic entities by financial crisis. Certain events, which happened in RS, such as reduction of building industry and higher restrictions in gaining credit, raised counterparty risk. Economic entities started facing more severe liquidity lack. Many economic entities had to face insolvency procedures, such as bankruptcy, compulsory settlement and liquidation. Insolvency procedures left consequences of leaving outstanding debts »outstanded« for several years in future. Insolvency procedures of economic entities drove liquidity problems in RS even further, by raising outstanding debts even more; with that raising the counterparty risk even higher. Because of higher rate of moral hazard in RS, risk management of counterparty risk and the need of regulatory control over the counterparty risk is becoming more important than ever. Therefore risk management and monitoring the effect of the risk of non-fulfilment of obligations of the other party on the economy is very important for the wider interest of the economy. My Master’s thesis emphasizes this importance and presents a case where the risk of non-fulfilment of obligations of the other party influenced the Slovene economy. Rate of counterparty risk has been raised to all economic entity by financial crisis. Certain events, which happened in RS, such as reduction of building industry and higher restrictions in gaining credit, raised counterparty risk. Economic entities started facing more severe liquidity lack. Many economic entities had to face insolvency procedures, such as bankruptcy, compulsory settlement and liquidation. Insolvency procedures left consequences of leaving outstanding debts »outstanded« for several years in future. Insolvency procedures of economic entities drove liquidity problems in RS even further, by raising outstanding debts even more; with that raising the counterparty risk even higher. Because of higher rate of moral hazard in RS, risk management of counterparty risk and the need of regulatory control over the counterparty risk is becoming more important than ever. Therefore risk management and monitoring the effect of the risk of non-fulfilment of obligations of the other party on the economy is very important for the wider interest of the economy. My Master’s thesis emphasizes this importance and presents a case where the risk of non-fulfilment of obligations of the other party influenced the Slovene economy.
Keywords:Counterparty risk, risk of non-fulfilment of an obligation by the other party, credit risk, late-payment culture, financial solvency, financial crisis, economic crisis, business trends, economic tendencies, moral hazard, business ethics, counterparty risk management, managing risk of non-fulfilment of obligations by the other party, risk management, financial risk, financial risk management


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