Krediti pravnim osebam - na primeru Banke X

delo diplomskega seminarja

Tamara Grbac (Author), Timotej Jagrič (Mentor)

Abstract

Banka je organizacija, katere glavna značilnost je zbiranje presežnih denarnih sredstev in dajanje kreditov. Pod določenimi pogoji nudi kratkoročne in dolgoročne kredite tako fizičnim kot tudi pravnim osebam. Za uresničitev določenega cilja velikokrat ne zadostujejo lastna sredstva, potrebno je pridobiti dodatna finančna sredstva, tukaj pa se pojavijo banke s ponudbo kreditov. Pri kreditnem razmerju gre za razmerje med upnikom in dolžnikom. Banka pred odobritvijo kredita preveri bonitetno sposobnost komitenta z namenom zmanjšanja kreditnega tveganja. Kljub veliki previdnosti banka in podjetje ne moreta predvideti dogodkov, ki bi lahko negativno vplivali na vračilo kredita. Zato banka vse večjo pozornost namenja zavarovanju vračila kredita. V diplomskem seminarju sem se osredotočila na ponudbo kreditov pravnim osebam. Opisala sem dolgoročne in kratkoročne kredite, bonitetno sposobnost podjetja in podrobneje postopek odobritve in vodenja kredita pravnim osebam.

Keywords

bančno poslovanje;krediti;kreditiranje;kreditna sposobnost;tveganje;zavarovanje;pravna oseba;

Data

Language:	Slovenian
Year of publishing:	2011
Source:	Maribor
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[T. Grbac]
UDC:	336.77
COBISS:	10881820
Views:	1543
Downloads:	104
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Credits to legal persons - on the case of the Bank X
Secondary abstract:	A bank is an organization whose main characteristic is collecting the folded money funds and giving credits. Under certain conditions it gives short-term and long-term credits to physical persons and companies. A lot of times it is not enough to have one's own means to achieve a certain goal – it is needed to get additional financial means; therefore, there are banks with their credits' offer. There is a credit relationship which means a relationship between a creditor and a debtor. The bank checks the advantage ability of its commissioner before it approves for a credit to lower the credit risk. Even though the bank and the company are curious, they cannot foretell events that could be negative for repayment of the credit. Therefore, the bank gives strong attention to credit repayment insurance. I have focused on the offer of credits to companies in the diploma seminar paper. I have described long-term and short-term credits, the advantage ability of the company and the procedure of approval and managing the credit to the companies.
Secondary keywords:	a credit;a short-term credit;a long-term credit;credit risk;advantage ability;credit insurance.;
URN:	URN:SI:UM:
Type (COBISS):	Final seminar paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	43 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:	1015807