Obrestna mera- vrste in funkcije

diplomsko delo

Jadranka Bencek (Author), Davor Savin (Mentor)

Abstract

Bistvo današnjega sveta je, da živimo v času, ko ljudje pri uresničevanju svojih ciljev potrebujemo pomoč. Po pomoč pa se najraje zatekamo k institucijam kot je banka. Eni z namenom da bi presežek denarja, katerega v določenem trenutku ne potrebujejo, naložili v bankah, zato, da bi si lahko ob določeni obrestni meri v prihodnosti privoščili več za svoj denar. Na drugi strani pa so ljudje, ki si nekaj zelo močno želijo (stanovanje, avto, dopust…) in si tega s svojimi dohodki ne morejo privoščiti in se zato zatečejo k bankam. Te so jim ta denar pripravljene posoditi, ob pogojih plačila obrestne mere. Obrestne mere torej vplivajo na naše odločitve tako v privatnem kot tudi v poslovnem življenju, ter so kazalec nekega splošnega gospodarskega stanja v državi. Velikokrat smo poudarili, da zaradi pomanjkanja znanja lahko pride do občutka prevare, zato se ob poznavanju osnovnih pojmov, s katerimi se srečujemo pri obrestni meri, počutimo veliko varneje. Prebiranje različne literature na področju obrestnih mer, omogoča da si kot bralci razširimo besedni zaklad na področju obrestnega računa, da se naučimo razlikovati osnovne metode obrestnega računa in načinov za ohranjanje nedotaknjene realne vrednosti glavnice. Pomembno je tudi, da nas nepoznavanje bančnega žargona ne bo več postavilo v položaj, ko si zaradi slabega obvladovanja »slovarčka« ne bomo upali niti vprašati za podrobnejša pojasnila in da bomo lažje prepoznali skrite pasti.

Keywords

obresti;obrestna mera;obrestni račun;depoziti;tekoči računi;krediti;banke;bančno poslovanje;

Data

Language:	Slovenian
Year of publishing:	2010
Source:	Maribor
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[J. Bencek]
UDC:	336.781.5
COBISS:	10326300
Views:	3657
Downloads:	512
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Interest rate- types and functions
Secondary abstract:	Now days we live in a world, where people often need help when we try to realize our goals. One way of getting help is through institutions like banks. People do that with different purposes, some want to invest the budgetary surplus but on the other hand there are people who want something new (an apartment, a car, holidays…) but they can not afford it with their incomes and that is why they need banks. Banks give loans, but there are certain conditions that have to be fulfilled and people have to be prepared to pay interest rate. Interest rates influence our decisions in private and business life. They indicate common economic situation in a country. It has often been stressed that the lack of knowledge can lead to the feeling of deception. So we often feel safer when we are familiar with basic notions connected with interest rate. Reading different literature in the area of interest rate makes it possible to widen our vocabulary connected with deposit accounts, to see the differences in basic methods of deposit accounts and different ways to preserve the intact value of the capital. Ignorance should not put us in a place, when not knowing the right vocabulary keeps us back from asking for further explanations and thus helps us to see the hidden traps.
Secondary keywords:	interest;theory of interest rates;current value;yield to maturity;simple interest account;account interest rate;deposits;current account;credit;
URN:	URN:SI:UM:
Type (COBISS):	Undergraduate thesis
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	90 str.
Keywords (UDC):	social sciences;družbene vede;economics;economic science;ekonomija;ekonomske vede;finance;finance;money;monetary system;banking;stock exchanges;denar;monetarni sistem;bančništvo;borzništvo;
ID:	1002715