ZAVAROVANJE TERJATEV BANK S POJAVNIMI OBLIKAMI ZASTAVNE PRAVICE

Šabić, Maša

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Title:	ZAVAROVANJE TERJATEV BANK S POJAVNIMI OBLIKAMI ZASTAVNE PRAVICE
Authors:	ID Šabić, Maša (Author) ID Vrenčur, Renato (Mentor) More about this mentor...
Files:	UNI_Sabic_Masa_2013.pdf (1,23 MB) MD5: B22D398575F07CBF083E55B1CDFB164D
Language:	Slovenian
Work type:	Undergraduate thesis
Typology:	2.11 - Undergraduate Thesis
Organization:	PF - Faculty of Law
Abstract:	Zavarovanje terjatev bank s pojavnimi oblikami zastavne pravice je téma, ki omogoča pot uspešnega poslovanja. Poslovanje med gospodarstveniki je dandanašnji zelo težavno, tudi zaradi zlorab zaupanja v pravnem prometu, ki je del vzrokov gospodarske krize. Ohranitev pravne varnosti in pomoč gospodarskim družbam, da prebrodijo neučinkovito ekonomijo, se pojavlja z zavarovanjem terjatev, ki bodo morda lahko pomagale gospodarskim subjektom iz krize. Zavarovanje kot institut utrditve obveznosti je pomebno, saj posamezniku omogoča, da lahko ponudi upnikom – bankam, da se v primeru neizpolnitve obveznosti poplačajo iz zavarovanja. Na podlagi zavarovalnega varstva banke posodijo denar gospodarskim subjektom, ti pa se s sklenitvijo pogodbe zavežejo za vrnitev kreditnega zneska in garantirajo vrnitev posojila skupaj s stroški v primeru neplačila z zavarovalnimi sredstvi. Gospodarski subjekti imajo ponavadi na voljo premičnine in nepremičnine, s katerimi kvalitetno zavarujejo denarno terjatev, ki omogoča hitro poplačilo.Zahteva se, da kvalitetno zavarovanje denarne terjatve ustvari oseba, ki posle opravlja verodostojno in v skladu z zakonom. Aktivno vlogo pri ustanovitvi zavarovanja z zastavno pravico na podlagi sporazuma strank v obliki neposredno izvršljivega notarskega zapisa opravlja notar. Od njega se terja suverena in nepristranska pomoč pri nastajanju poslov, preprečitev sklepanja spornih poslov in teženje k pravni varnosti države. Zaradi dodeljenih nalog je ravno notar tisti, ki prispeva skupaj s sodelovanjem bank k diverziteti poslovanja na trgu, in tako dviguje možnosti za gospodarski razvoj in izhod iz krize, v skladu z načelom zakonitosti.
Keywords:	zavarovanje terjatev bank, zavarovalna sredstva in instrumenti, bančni posli, premičnine, nepremičnine, notar, gospodarski razvoj, gospodarski subjekti, zastavna pravica, pojavne oblike zastavne pravice, sporazum strank, neposredna izvršljivost notarskega zapisa
Place of publishing:	Maribor
Publisher:	[M. Šabić]
Year of publishing:	2013
PID:	20.500.12556/DKUM-43260
UDC:	347.2(043.2)
COBISS.SI-ID:	4617259
NUK URN:	URN:SI:UM:DK:ZJ5P5LJE
Publication date in DKUM:	06.02.2014
Views:	2171
Downloads:	297
Metadata:
Categories:	PF
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Secondary language

Language:	English
Title:	COLLATERAL BANKS MANIFESTATIONS OF LIEN
Abstract:	Insuring banks' claims with different forms of security right is a topic paving the way for successful business. Nowadays, doing business is extremely difficult also due to the abuse of trust within legal transactions that is also part of the reasons for the current economic crisis. Preserving legal security and assisting companies in order to enable them to overcome ineffective economy is going hand in hand with the insurance of claims, which might help commercial entities to overcome the crisis. Insurance is a means of securing contractual obligations and is important, as it allows an individual to offer creditors-banks a possibility that in the event of default they receive their payment from the insurance coverage. It is on the basis of insurance coverage that banks lend money to commercial entities. By concluding the contract, however, the latter commit to repay the credit sum and guarantee to repay the loan including related costs if not paid by means of insurance coverage. Usually, commercial entities have movable property as well as real estate serving as a quality insurance of a claim, which enables a quick repayment. A quality insurance of claim must be done by a person whose operations are legitimate and in accordance with legislation. Notary plays an active role in establishing insurance with security right on the basis of the agreement between the parties in the form of directly enforceable notarial deed. He must offer a sovereign and unbiased assistance in business generation, prevent dubious transactions, and strive for legal security. Due to the tasks he/she is entrusted with, it is the notary that together with banks contributes to the diversity of transactions on the market, thus raising the possibilities for economic development and overcoming the crisis in accordance with the principle of legality.
Keywords:	banks' claims insurance, means of insurance and insurance instruments, bank transactions, movable property, real estate, notary, economic development, commercial entities, security right, different forms of security right, agreement between parties, direct enforceability of notarial deed

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