Čezmejna kreditna plačila v sistemu SEPA

diplomsko delo

Gregor Marinšek (Author), Žan Oplotnik (Mentor)

Abstract

Projekt SEPA je nastal kot posledica uvedbe enotne valute Evro znotraj Evropske unije. SEPA uživa močno politično in regulatorno podporo institucij Evropske unije. Prva plačilna storitev, ki je bila implementirana z uporabo SEPA infrastrukture, so bila SEPA čezmejna kreditna plačila. Predstavljajo začetek in temelj finančnih transakcij malih vrednosti med uporabniki plačilnih storitev znotraj članic monetarne unije. Za namene standardizacije in avtomatske obdelave, se je pri snovanju sporočil in procesov uporabil standard ISO 20022, ki ne predpisuje podrobnosti procesa ampak način, kako proces modelirati. Glavne prednosti od uvedbe SEPA čezmejnih kreditnih plačil uživajo uporabniki plačilnih storitev, saj so se za njih znižale provizije in čas izvedbe transakcij. Te prednosti so dosežene na račun velikih finančnih investicij v infrastrukturo in prenovo informacijskih sistemov bank, ki so bila potrebna za implementacijo.

Keywords

mednarodne finance;monetarna politika;plačilni sistemi;krediti;SEPA;finančne transakcije;Evropska unija;

Data

Language:	Slovenian
Year of publishing:	2016
Typology:	2.11 - Undergraduate Thesis
Organization:	UM EPF - Faculty of Economics and Business
Publisher:	[G. Marinšek]
UDC:	339.72(043.2)
COBISS:	12458268
Views:	828
Downloads:	97
Average score:	0 (0 votes)
Metadata:

Other data

Secondary language:	English
Secondary title:	SEPA cross-border credit transfers
Secondary abstract:	Project SEPA was initialized with introduction of single currency Euro inside European Union. SEPA is strongly politically supported with regulations of European Union institutions. SEPA cross-border credit transfers were the first payment services implemented using SEPA infrastructure. They represent the beginning and the core of financial transactions between users of payment services inside monetary union. To achieve standardization and automatisation, ISO 20022 standard was used. This standard contains no information about the process but represents the recipe for modeling processes. SEPA cross-border credit transfers will benefit payment service users because of lower transaction fees and quicker transaction invocations. These benefits are achieved with high financial investments in infrastructure and information systems made by the banks.
Secondary keywords:	SEPA;credit transfers;single payment area;ISO 20022;UNIFI;payment systems;
URN:	URN:SI:UM:
Type (COBISS):	Undergraduate thesis
Thesis comment:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages:	V, 47 str.
ID:	9139954