Obvladovanje kreditnega tveganja s kreditnim zavarovanjem

delo diplomskega seminarja

Jure Rogač (Author), Franjo Mlinarič (Mentor)

Abstract

Intrum Justitia uvršča Slovenijo med države z urgentno rizičnostjo plačila in kar 72% podjetij so v letu 2012 imela likvidnostne težave zaradi zamud pri plačilih. Za izpolnjevanje načela plačilne sposobnosti so podjetja dolžna izvajati procese celovitega upravljanja z riziki in kreditno politiko. Za zavarovanje pred kreditnim tveganjem so na razpolago instrumenti, ki nudijo različne oblike zaščite, odvisno ali gre za komercialne ali finančne posle. Nekateri med njimi nudijo tudi do 100% kritja, drugi samo zavezo, da bo terjatev poplačana, temu vzporedne so tudi cene posameznih instrumentov. Med najbolj priljubljenimi so zavarovanja vnaprej s prejetimi avansi, bančnimi garancijami in akreditivi. Velik delež, skoraj 60% malih podjetij svojih terjatev sploh ne zavaruje. Za kreditna zavarovanja se največ odločajo srednje velika in velika podjetja. Preventivno funkcijo zaščite nudijo bonitetne informacije, ki so priporočila o poslovanju potencialnih kupcev oz. prodajalčevih dolžnikov. Za zavarovanje komercialnih poslov pri tekočem poslovanju na limit nudijo specializirane zavarovalnice kreditna zavarovanja. Cene teh zavarovanj se gibljejo med 0,05 in 1,75% mesečne premije na celotno vrednost prodaje. Po analizi trendov lahko rečem, da ima Slovenija izrazito velik delež pobranih premij v BDP-ju, v povprečju 0,11%, medtem ko imajo ostale opazovane države skupaj v povprečju 0,03%. V obdobju krize in po njej je viden pozitiven trend pobranih premij, ki se bo po moji oceni nadaljeval vse do izboljšanja plačilne discipline vzporedno z oceno plačilnega indeksa.

Keywords

krediti;kreditiranje;tveganje;zavarovanje;boniteta;plačilna disciplina;

Data

Language:	Slovenian
Year of publishing:	2013
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[J. Rogač]
UDC:	336.77:005.334
COBISS:	11505692
Views:	1406
Downloads:	157
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	Credit risk management with credit insurance
Secondary abstract:	Intrum Justitia places Slovenia among countries with urgent payment risk and in the year 2012 almost 72% of companies had solvency problems due to payment delays. To fulfil the principles of solvency the companies have to implement processes of complete risk management and credit policy. There are instruments, which offer different forms of protection depending on the transaction (commercial or financial) and can be used against credit risk. Some of these instruments offer up to 100% coverage, others just a guarantee that the claim will be paid. The prices of these instruments are parallel with their offer. The most popular are pre-insurances with received advances, bank guarantees and letters of credit. A large proportion of small enterprises, almost 60%, do not protect their claims. Credit insurance is mostly used by medium and large companies. Credit information offers a preventive protection function and works as a business recommendation of potential customers. Specialized insurance companies offer credit insurance for commercial transactions on opened accounts. The prices of these insurances range from 0,05 to 1,75% of the monthly premium regarding the complete sales value. After analyzing the trends I can say that Slovenia has a remarkably high proportion of collected premiums in the GDP – in average 0,11%, whereas other analyzed countries only have a 0,03% average. During and after the crisis there is a visible positive trend of collected premiums, which, in my opinion, is going to continue until we improve our payment discipline and our evaluation of the payment index.
Secondary keywords:	credit risk;insurance instruments;credit information;payment discipline;credit insurance;
URN:	URN:SI:UM:
Type (COBISS):	Final seminar paper
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	66 str.
ID:	8726667