delo diplomskega seminarja
Katja Hauptman (Author), Mejra Festić (Mentor)

Abstract

V diplomskem seminarju sem poskušala predstaviti bančne kredite, ki so na voljo malim in srednje velikim podjetjem, skušala sem predstaviti pojem in funkcije kredita. Prav tako sem skušala predstaviti obresti, kot ceno kredita ter analizirati kreditiranje v Novi Ljubljanski banki d.d. Kredit je sredstvo s katerim pridemo do denarja danes, odplačali pa ga bomo v prihodnjosti.Za to moramo plačati ceno kredita- obresti. Banke za vodenje kreditnega postopka ter kreditiranje zaračunavajo obresti ter druge stroške, to predstavlja največji del dohodka bank. Za vsak podjetje je zagotavljanje finančnih sredstev velikega pomena. Podjetja iščejo primerne načine financiranja od samega razvoja dalje. Največkrat se podjetja financirajo z bančnimi krediti. Banka pred odobritvijo kredita, podrobno analizira finančne podatke podjetja, zgodovino poslovanja podjetja in naložbo zaradi katere se želi kredit najeti. Po odobritvi kredita sledi določitev vrste zavarovanja, ki pa je odvisno od ročnosti kredita, kreditne sposobnosti kreditojemalca ter kreditne politike banke. Zavarovanje kredita ne vpliva na odločitev bančnega uslužbenca o odobritvi.

Keywords

banke;bančno poslovanje;krediti;kreditiranje;financiranje;zavarovanje;mala podjetja;srednja podjetja;

Data

Language: Slovenian
Year of publishing:
Source: Rače
Typology: 2.11 - Undergraduate Thesis
Organization: UM EPF - Faculty of Economics and Business
Publisher: [K. Hauptman]
UDC: 336.77:334
COBISS: 10542620 Link will open in a new window
Views: 2019
Downloads: 228
Average score: 0 (0 votes)
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Other data

Secondary language: English
Secondary title: Loan policy to small and medium enterprises - the case of NLB d.d.
Secondary abstract: In my diploma seminar paper I presented bank credits for small and medium-sized companies, as well as the conception and functions of a credit. In addition, I wrote about interest as the price for a credit and I presented the crediting at Nova Ljubljanska banka holding company. Credit enables us to get the money now but pay off the loan later. However, we have to pay the price, and the price is the interest. For managing the credit procedure and crediting banks charge interest and other expenses – that is the greater part of bank’s total income. For every company it is essential to have the necessary financial means. Therefore, the companies try to find appropriate manners of financing. The most frequent manner of financing is a bank credit. Before the bank approves the credit, it makes a detailed analysis of financial data of the company, the history of the company and the investment for which the credit is being raised. After the credit is approved, the credit insurance has to be determined – this varies and depends on maturity of the credit, credit capability of the borrower, and the bank’s credit policy. Credit insurance does not have an impact on the bank official’s decision about the allowance of the credit.
Secondary keywords: banks;credit;interest;small and medium enterprises;financing;bank loans.;
URN: URN:SI:UM:
Type (COBISS): Final seminar paper
Thesis comment: Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages: 40 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;social sciences;družbene vede;economics;economic science;ekonomija;ekonomske vede;forms of organization and cooperation in the economy;oblike organiziranja in sodelovanja v gospodarstvu;
ID: 1012894