Slaba banka

primerjava slovenske in nemške slabe banke

Nina Kovačević (Author), Sabina Taškar Beloglavec (Mentor)

Abstract

V času pred krizo je veliko bank dajalo kredite podjetjem brez visokih garancij. Ker so se ta podjetja kasneje razvijala in rastla, so lahko zlahka odplačevala dolgove. Tako je rast posojil strmo naraščala, banke so med seboj tekmovale, katera bo podjetjem odobrila več posojil. Ko pa je leta 2008 prišlo do gospodarske krize, se je začelo pri poslovanju bank pojavljati veliko tveganj, vezanih na kredite in slaba posojila, in s tem tudi težave z likvidnostjo, kar je posledično ogrožalo obstoj bank. Povečala se je potreba po ustanovitvi tako imenovanih slabih bank. V delu diplomskega projekta je natančneje opisan pomen in delovanje slabe banke v splošnem pomenu, saj je za nadaljnjo obravnavo potrebna osnovna razlaga slabe banke. V sklopu slabih bank, ki so potrebne za normalno poslovanje bank v državi, smo opisali edino slovensko slabo banko, Družba za upravljanje terjatev – DUTB, in pa štiri nemške slabe banke: Erste Abwickelungsanstalt, Bankaktiengesellschaft (BAG), Bankgesellschaft Berlin in FMS Wertmanagement, ter jih predstavili. V zadnjem delu diplomskega projekta smo na podlagi predstavitve vseh bank izbrali nemško slabo banko FMS Wertmanagement ter jo uporabili za primerjavo s slovensko banko DUTB. Kriteriji, ki smo jih pri tem uporabili, so: leto ustanovitve, kdo so ustanovitelji, diskont prenosa terjatev, pričakovana življenjska doba in struktura. Primerjalna analiza slovenske in nemške slabe banke je tudi vsebinski namen te naloge.

Keywords

banke;slaba banka;struktura;analiza;primerjave;Slovenija;Nemčija;

Data

Language:	Slovenian
Year of publishing:	2019
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[N. Kovačević]
UDC:	336.71
COBISS:	13429020
Views:	744
Downloads:	88
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Bad bank
Secondary abstract:	In the pre – crisis period, many banks provided loans to companies without high guarantees. As this companies developed and rised, it could easily repay its depts. The growth of loans increased sharply, so the banks were competing with each other, which would lend more loans to companies. When the economic crisis hit in 2008 , the banks started to experience a lot of risks related to loans and bad loans and with that also problems with liquidity, the need to create so-called bad banks has increased. Our graduation project describes specifically the meaning and functioning of a bad bank in general sense, since further explanation requires a basic explanation of a bad bank. As part of the bad banks which are needed for the normal operation of banks in the country, we described the only Slovenian bad bank Company for receivables management – DUTB and four German bad banks: Erste Abwickelungsanstalt, Bankaktiengesellschaft (BAG), Bankgesellschaft Berling and FMS Wertmanagement. In the last part of our graduation project, we selected the German bad bank FMS Wertmanagement on the basis of the presentation of all banks and used it for comparison with the Slovenian DUTB. The criteria we used were: the year of establishment, who were the founders, the discount of the transfer of receivables, life expectancy and structure. The comparative analysis of the Slovenian and German bad bank is also substantive purpose of this task.
Secondary keywords:	bad bank;DUTB;FMS Wertmanagement;structure;comparison;analysis.;
Type (COBISS):	Diploma project paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	II, 27 str.
ID:	11206064