diplomski projekt
Tadeja Rituper (Author), Andreja Primec (Mentor)

Abstract

Danes so krediti nekaj povsem običajnega in predstavljajo sestavni del našega življenja. Skorajda ni posameznika, ki ne bi na neki točki svojega življenja razmišljal o najemu kredita. Največkrat se to zgodi v dobi osamosvajanja, ko posameznik na primer kupuje avtomobil, stanovanje ali morda načrtuje gradnjo hiše. S pomočjo kredita tako lažje pridobi dobrine, ki si jih sicer ne bi mogel privoščiti. Preden pa se posameznik odloči za najem kredita in sklene kreditno pogodbo, je ključnega pomena, da se karseda najbolje informira o samem kreditu in v primeru, da se zanj tudi odloči, to odločitev sprejme premišljeno in previdno. Kaj hitro se namreč lahko zgodi, da postane odplačevanje kredita resen problem. V pričujočem delu diplomskega projekta obravnavamo opisano problematiko predvsem z vidika varstva potrošnikov pri sklepanju kreditnih pogodb. V diplomskem projektu tako najprej na osnovi teorije predstavljamo definicije kredita in kreditne pogodbe ter potrošnika in njegovega varstva. V nalogi predstavljamo tudi tveganja, ki se pojavljajo pri najemanju kredita in zakonodajo na področju potrošniških kreditov. Nazadnje pa v nalogi obravnavamo varstvo potrošnikov še na primerih kreditov v švicarskih frankih, ki so v preteklem letu v Sloveniji in tujini povzročili pravo zmešnjavo in spravili na rob obupa mnoge kreditojemalce.

Keywords

krediti;kreditiranje;pogodbe;tveganje;valutno tveganje;varstvo potrošnikov;

Data

Language: Slovenian
Year of publishing:
Typology: 2.11 - Undergraduate Thesis
Organization: UM EPF - Faculty of Economics and Business
Publisher: [T. Rituper]
UDC: 366.5:336.77
COBISS: 12750108 Link will open in a new window
Views: 983
Downloads: 130
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Other data

Secondary language: English
Secondary title: Customer protection on credit agreements
Secondary abstract: Nowadays loans are something quite normal and are the part of our lives. There is almost no one who will not even think about taking out a loan at some point of life. The most frequent time of doing this is in time of independence, when you are planning to buy a car, a flat or building a house. It is easier to get all these goods by taking a loan otherwise you cannot afford them. But before the individual decide to take out a loan and make a loan contract it is basic to inform himself about the loan and he must also be very careful before taking this decision. Amortization can become a serious problem furthermore. In this diploma project we are dealing with this topic from the perspective of the protection of customers by making a loan contract. At the beginning of this diploma project we first introduce definitions of loan and loan contracts and a consumer and his protection. We also introduce the risk by taking out a loan and the legislation at the field of consumer loans. At the end we deal with the protection of customers at the cases of taking out a loan in Swiss francs, which has caused a big confusion and drive into despair a lot of debtors in the last year.
Secondary keywords: loan;loan contract;currency risk;protection of customers;
URN: URN:SI:UM:
Type (COBISS): Diploma project paper
Thesis comment: Univ. v Mariboru, Ekonomsko-poslovna fak.
Pages: III, 37 str.
ID: 9165511