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Title:Družba za upravljanje terjatev bank : diplomsko delo visokošolskega študijskega programa Informacijska varnost
Authors:ID Loknar, Maja (Author)
ID Dobovšek, Bojan (Mentor) More about this mentor... New window
Files:.pdf VS_Loknar_Maja_2020.pdf (1,41 MB)
MD5: 7BF24706358A4D8BBD8F703AE4BE74D8
PID: 20.500.12556/dkum/abd4058f-28c4-4b98-a24f-d56f1a9d60b3
 
Language:Slovenian
Work type:Bachelor thesis/paper
Typology:2.11 - Undergraduate Thesis
Organization:FVV - Faculty of Criminal Justice and Security
Abstract:Bančni sistem in njegovo brezhibno delovanje sta ključnega pomena za državo in njene ljudi, saj bančni sistem in dogajanje na njegovem trgu neposredno posegata v realni sektor in življenje ljudi. Ko je leta 2008 prišlo do svetovne finančne krize, so se tega zavedale vse države, saj zaradi prepletenosti finančnih trgov različnih držav med sabo praktično ni bilo države, ki se je takratna finančna kriza ne bi dotikala. Finančno krizo so povzročila deviantna ravnanja finančnega sektorja in finančnih institucij z namenom stremljenja k višjemu dobičku, zato so se odločali za bolj tvegane posle in odobravali bolj tvegane kredite. V diplomskem delu smo raziskali, kdo so krivci za nastanek takratne finančne krize, kaj so slabe terjatve in kateri so načini, kako reševati finančno krizo. Večina držav se je ob prejšnji finančni krizi odločila za urejanje problema slabih sredstev bank in tveganih postavk na način, da so uporabile mehanizem t. i. slabe banke. Pri nas je leta 2013 v okviru mehanizma slabe banke nastala Družba za upravljanje terjatev bank, ki je v slovenskem prostoru nase prevzela slabe terjatve bank. V diplomskem delu smo predstavili ozadje nastanka finančne krize, slabe banke in naše DUTB. Ker verjamemo, da rešitev za izogib nadaljnjih takšnih kriz v nadzoru in ustrezni regulaciji finančnega trga obstaja, smo pregledali, kaj o poslovanju DUTB pravijo na Računskem sodišču. Pregledali smo tudi, kakšen sistem imajo in kako so uporabljali model slabe banke v tujini.
Keywords:diplomske naloge, DUTB, slaba banka, finančna kriza, računsko sodišče
Place of publishing:Ljubljana
Place of performance:Ljubljana
Publisher:[M. Loknar]
Year of publishing:2020
Year of performance:2020
Number of pages:IX, 49 str.
PID:20.500.12556/DKUM-77004 New window
UDC:336.71(497.4)(043.2)
COBISS.SI-ID:29673731 New window
NUK URN:URN:SI:UM:DK:96IGM5JK
Publication date in DKUM:24.09.2020
Views:1636
Downloads:166
Metadata:XML DC-XML DC-RDF
Categories:FVV
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Secondary language

Language:English
Title:Company for management of poorly-performing assets of banks
Abstract:The banking system and its immaculate working have a significant meaning for the country and her people because the banking sistem and the things that are going on in the market have an inpact on life and the people in the country. When the last financial crisis began in 2008 this was known to all the countries, because the financial markets of different countries were (and are) so intertwined that there were practically no countries that were not affected. The financial crisis was caused by deviant behaviors of the financial sector and financial institutions because they wished for more profit, that is why they were engaging in more risky businesses and approved more risky loans and mortgage loans. In this bachelor thesis, we explored who are the perpetrators and main culprits for the financial crisis, what are bad debt claims, and ways of battling the financial crisis. Most states had decided to use the mechanism of »the bad bank« to combat the problem of bad debt claims in the last financial crisis. In our country the company that was dealing with our bad debt claims was and is The company for managing poorly performing assets of banks or in Slovene (DUTB), it was established in 2013. In this bachelor thesis, we demonstrated the background of the financial crisis, the mechanism of bad banks, and our company DUTB. Because we believe that the way to avoid any further financial crisis is by regulating and supervising the financial sector, we also looked at what our Court of Audit has to say about our DUTB. Besides that, we also looked at what systems of bad banks they have in other countries and how they are used.
Keywords:DUTB, bad bank, financial crisis, Court of audit


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