Kreditna politika

delo diplomskega seminarja

Andrej Bogdan (Author), Sabina Taškar Beloglavec (Mentor)

Abstract

Kreditna politika bank vsebuje pravila kreditiranja. Banke morajo preveriti kreditno sposobnost kreditojemalca, določiti stopnjo tveganja in kredit ustrezno zavarovati. To so ključni elementi kreditne politike. Pri preverjanju kreditne sposobnosti se banke zanašajo na zunanje informacije o finančnem položaju potencialnih kreditojemalcev. V pomoč pri preverjanju kreditne sposobnosti kreditojemalca so bankam bonitetne ocene bonitetnih agencij, podatki iz sistema SISBON. Banke lahko kredit poplačajo iz prihodkov kreditojemalca oz. njegovega denarnega toka, iz sredstev bilance stanja ali zastavljenih sredstev (garancij in poroštev), iz osebnega jamstva in poroštva lastnikov ter zavarovanja sklenjenega pri zavarovalnici. V diplomskem seminarju smo predstavili elemente kreditne politike v teoriji ter prikazali javno dostopne podatke o kreditih dveh največjih slovenskih bank. Viri financiranja obeh bank so podobni, pri kreditnem portfelju pa smo zaznali majhne razlike. Razlogi v podobnosti portfelja najverjetneje izhajajo iz dejstva da sta obe banki v opazovanem obdobju bili v večinski lasti države.

Keywords

kreditna politika;krediti;kreditiranje;tveganje;zavarovanje;banke;

Data

Language:	Slovenian
Year of publishing:	2012
Source:	Maribor
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[A. Bogdan]
UDC:	336.77
COBISS:	10977308
Views:	3263
Downloads:	267
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Credit policy
Secondary abstract:	Bank credit policy contains the rules of lending. Creditworthy of borrower, credit insurrance and level of risk are key elements of good credit. The bank relies on outside information to assess the character, financial position, and colateral of a credit costumer. In SISBON system bank can see costumer's past credits at other banks, if there were any. Safety zones surrounding the funds loaned by a bank are: costumer's expected profits, income or cash flow, resources on the costumer's balance sheet and collateral pledged, personal guarantees and pledges made by the owners of a business firm or by consigners to a loan and insurrance at insurrance company. The diploma seminar presents credit policy elements from theory point of view and shows public available information about credit policy of two biggest slovenian banks. Finance sources of bank are similar, but we noticed small differences at credit portfolio. Credit policy of compared bank is similar probably because they are both owned by goverment as main shareholder.
Secondary keywords:	credit policy;type of credits;credit risk;credit portfolio;credit rating;credit insurrance;
URN:	URN:SI:UM:
Type (COBISS):	Final seminar paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	31 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:	1004183