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Title:PROBLEMATIKA BANČNEGA FINANCIRANJA MALIH IN SREDNJE VELIKIH PODJETIJ KOT POSLEDICA KREDITNEGA KRČA BANK
Authors:ID Ivanušič, Majda (Author)
ID Taškar Beloglavec, Sabina (Mentor) More about this mentor... New window
Files:.pdf VS_Ivanusic_Majda_2016.pdf (704,51 KB)
MD5: 8F5DE03F206A2DBFB98806C7CD77F2BB
 
Language:Slovenian
Work type:Undergraduate thesis
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Z letom 2007 se je pričela svetovna finančna kriza, ki je prizadela tudi slovensko gospodarstvo in posledično MSP. Rezultati finančne krize so se odražali predvsem na podlagi dogajanj na svetovnem finančnem trgu, kjer je sledil kreditni krč bančnega sistema. Republika Slovenija in Banka Slovenije sta sprejeli vrsto ukrepov z namenom omejitve negativnih posledic kreditnega krča, ki je podaljševal slabo gospodarsko aktivnost. V ta namen se je poskušalo vzpostavljati normalne pogoje za financiranje podjetij preko bank. V nalogi smo predstavili finančno analizo podjetij in problematiko skrčene aktivnosti bank ter njihov vpliv na MSP. Prav tako smo opredelili kreditno tveganje v obdobju finančne krize ter predstavili ukrepe politike za sanacijo bančnega sistema. V empiričnem delu naloge smo analizirali kreditiranje MSP v slovenskem bančnem sistemu, kjer smo ugotovili, da so se deleži bančnih virov v MPS s pričetkom krize nenehno zmanjševali, kjer je bilo rast možno zaznati šele v letu 2014. Ugotovljeno je bilo tudi, da je bilo sredi finančne krize vloženih več zahtev za bančno financiranje, odobritev le-teh s strani bank pa je bilo hkrati veliko uspešnejše.
Keywords:bančno financiranje, finančna kriza, MSP, kreditni krč, ukrepi ob finančni krizi, sanacija bančnega sistema
Place of publishing:Maribor
Publisher:[M. Ivanušič]
Year of publishing:2016
PID:20.500.12556/DKUM-58783 New window
UDC:336.77
COBISS.SI-ID:12339484 New window
NUK URN:URN:SI:UM:DK:VJKKA3SI
Publication date in DKUM:20.06.2016
Views:1238
Downloads:128
Metadata:XML DC-XML DC-RDF
Categories:EPF
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Secondary language

Language:English
Title:THE PROBLEMS OF BANK FINANCING OF SMALL AND MEDIUM-SIZED ENTERPRISES AS A RESULT OF THE CREDIT CRUNCH OF BANKS
Abstract:In 2007, the global financial crisis started, also affecting the Slovenian economy and consequently SMEs. The financial crisis above all affected the global financial market, with the banking system suffering from the credit crunch. The Republic of Slovenia and Bank of Slovenia adopted a number of measures with the purpose of reducing the negative impact of the credit crunch, which was prolonging the period of weak economic activity. One of the measures was reestablishing normal financing conditions for companies. This thesis provides a financial analysis of companies, and presents the problem of reduced bank activity and its impact on SMEs. We also determined the credit risk during the financial crisis, and presented the government measures for the recovery of the banking system. In the empirical part of the thesis, we analyzed the Slovenian banks’ lending to SMEs, and found that once the crisis started, the share of bank loans to SMEs continued to drop until 2014, when growth was first recorded again. We also determined that in the middle of the financial crisis, more loan applications were filed, and the number of approved loans was also significantly higher.
Keywords:bank loans, financial crisis, SME, credit crunch, financial crisis measures, banking system recovery


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