Instrumenti financiranja in zavarovanja izvoznih poslov

magistrsko delo

Valentina Jakopiček (Author), Andreja Primec (Mentor)

Abstract

Dandanes smo priča nenehnim spremembah na vseh področjih. Prav tako so te prisotne v načinih poslovanja v mednarodni trgovini. Zaradi novonastalih razmer na trgih, uvedbe novih tehnologij in uvedb novih produktov ter storitev so udeleženci v poslovanju prisiljeni, da se hitro prilagodijo novim razmeram. Če trendu ne sledijo, so lahko hitro izključeni iz posla, to pa pomeni nekonkurenčnost za podjetje. Ker se te nevarnosti podjetja zavedajo in ker je še veliko drugih vrst tveganj, ki prežijo na poslovanje, še posebej, če gre za mednarodno poslovanje, se podjetja želijo pred njimi zavarovati. Druga težava pri poslovanju je tudi ta, da podjetja nimajo zadosti lastnih finančnih sredstev, da bi lahko sama odplačevala in financirala nova sredstva in opremo. Takrat podjetja pristopijo do banke in si priskrbijo ustrezne instrumente zavarovanja oziroma instrumente financiranja, ki jim najbolj ustrezajo glede na njihovo poslovanje. V Sloveniji se lahko podjetja za namen zavarovanja in financiranja izvoznih poslov obrnejo tudi na SID banko, ki jim omogoča ugodno financiranje, nudi zavarovanje pred tveganji ter pomoč pri ponudbi takšnih pogojev, ki so konkurenčna tujim podjetjem. Sodelovanje v mednarodni trgovini je pomembno za vsako gospodarstvo, še posebej za majhno. Rast majhnega gospodarstva je zelo odvisno od mednarodne trgovine, saj je po navadi domači trg premajhen in tako ne more zagotoviti potrebnega ekonomskega obsega. Slovenija sodi v majhno gospodarstvo, pri katerem je mednarodna trgovina izrednega pomena. Prav zaradi tega je naša država zelo izvozno orientirana. Cilj magistrskega dela je bil ugotoviti uporabnost in prednosti instrumentov za financiranje in zavarovanje izvoznih poslov ter koliko teh instrumentov izbrana podjetja poznajo in jih pri svojem poslovanju uporabljajo. Magistrsko delo je zato razdeljeno na dva dela. Prvi je teoretični del, drugi je empirični del. V teoretičnem delu magistrskega dela začnemo s predstavitvijo najpomembnejših instrumentov, ki so primerni za financiranje in zavarovanje izvoza. Prav tako predstavimo SID banko in proučimo njeno funkcijo na področju financiranja in zavarovanja izvoznih poslov. V raziskovalnem delu nas je predvsem zanimalo, koliko in katere instrumente za financiranje in zavarovanje izvoza izbrana podjetja uporabljajo ter ali pri izvoznih poslih sodelujejo s SID banko. Raziskavo smo izvedli z anketnim vprašalnikom, ki smo ga poslali v izpolnitev izbranim 20 slovenskim podjetjem. Pridobljene ugotovitve in možnosti za izboljšave podajamo v sklepnem delu.

Keywords

mednarodna trgovina;izvoz;zavarovanje;financiranje;finančni instrumenti;

Data

Language:	Slovenian
Year of publishing:	2020
Typology:	2.09 - Master's Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[V. Jakopiček]
UDC:	339.7
COBISS:	26233603
Views:	476
Downloads:	74
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	ǂThe ǂinstruments of the financing and insurance of export operations
Secondary abstract:	Today, we are witnessing constant changes in all areas. These are also present in ways of doing business in the field of international trade. Due to new market situations, the introduction of new technologies, new products and services, business participants are forced to adapt quickly to new conditions. If they do not follow the trend, they can be quickly excluded from the business, which means non-competitiveness for the company. As companies are aware of these dangers, and because many other types of risks lurk in the business field, especially when it comes to international trade, companies want to insure themselves against them. Another problem with doing business is that companies do not have enough of their financial resources to be able to repay and finance new assets and equipment on their own. At that time, companies approach the bank and obtain the appropriate collateral or financing instruments that suit them best in terms of their operations. In Slovenia, companies can also turn to SID Bank for insurance and financing of export transactions, which provides them with favorable financing, offers risk insurance and assistance in offering such conditions that are competitive with foreign companies. Participation in international trade is important for any economy, especially a small one. The growth of a small economy is highly dependent on international trade, as the domestic market is usually too small and thus unable to provide the necessary economic scale. Slovenia belongs to a small economy in which international trade is extremely important. That is why our country is very export-oriented. The master's thesis aimed to determine the applicability and advantages of instruments for financing and insuring export transactions and how many of these instruments the selected companies know and use in their operations. The master's thesis is therefore divided into two parts. The first is the theoretical part, the second is the empirical part. In the theoretical part of the master's thesis, we begin by presenting the most important instruments that are suitable for financing and ensuring exports. We also present SID Bank and examine its function in the field of financing and insurance of export transactions. In the empirical part, we were mainly interested in how many and which instruments for export financing and insurance the selected companies use and whether they cooperate with SID Bank in export transactions. The survey was conducted with a questionnaire sent to 20 selected Slovenian companies. The findings and possibilities for improvements are presented in the concluding part.
Secondary keywords:	export;instruments for insurance international trade;instruments for financing international trade;modern forms of trade finance;SID bank.;
Type (COBISS):	Master's thesis/paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	III, 64 str., 3 str. pril.
ID:	11832074