Etični kodeksi bank

delo diplomskega projekta

Paulina Podlesnik (Avtor), Zlatko Nedelko (Mentor)

Povzetek

Pri pisanju diplomskega projekta smo se osredotočali na pomen in problematičnost etičnosti v bankah. Opredelili smo pojma etika in poslovna etika, opisali način povečevanja etičnosti in s tem tudi etični kodeks. Pojasnili smo vpliv etike v bančništvu danes, zakaj je pomembna in kakšno vlogo imajo etični kodeksi v bankah. Opisali smo etičnost banke, katera poslovna načela je danes možno najti v bančništvu ter zakaj so le- ta pomembna. Dandanes so etični kodeksi vse pogosteje sredstvo za zagotavljanje etičnega delovanja in vedenja. Da bi etični kodeks deloval, morajo biti vsi zaposleni seznanjeni s tem kodeksom in ga razumeti. Etični kodeks uporabljajo banke za pomoč uporabnikom pri razumevanju med tem, kaj je prav in kaj narobe, kar v veliki meri vpliva na njihovo nadaljnje ravnanje in njihove odločitve. V sklopu diplomskega projekta si zastavljamo dve hipotezi, in sicer, da banke v Sloveniji pod tujim lastništvom, ki imajo vpeljane etične kodekse, imajo te za uporabnika napisane zelo razumljivo in podrobno ter da sta si etična kodeksa dveh različnih bank v Sloveniji pod tujim lastništvom med seboj vsebinsko zelo podobna. Banke pod tujim lastništvom smo si izbrali zato, saj menimo, da banke marsikje v zahodni Evropi in ZDA bolj stremijo k etičnim načelom kot pri nas. Na osnovi tega sklepamo, da imajo bolje razdelano vsebino etičnih kodeksov. Predpostavljamo, da imajo svoje etične kodekse vsebinsko napisane vsebinsko obširno, imajo opisan ustrezen sklop smernic za vse dejavnosti in oddelke natančno in razumljivo. Zastavljene hipoteze smo preverili s pomočjo javno dostopnih dokumentov, ki so nam dali točne informacije. Za boljšo predstavo smo uporabili tabelarični prikaz. V nadaljevanju diplomskega projekta smo analizirali etična kodeksa za izbrani banki ter ju med seboj primerjali. Izbrali smo dve banki v Sloveniji pod tujim lastništvom, povzeli njuna etična kodeksa, ju analizirali in ugotovili, da imata obe banki temeljne sestave kodeksa zelo podobne in med seboj si sorodne. Banki, ki smo obravnavali, sta imeli večino smernic etičnega kodeksa napisanih zelo razumljivo in podrobno. Ko smo analizirali kodekse obeh bank, smo ugotovili, da je možno pri obeh bankah najti največ pet smernic kodeksa, ki sploh niso opredeljene ali pa niso dovolj podrobno pojasnjene in posledično s tem uporabniku niso dovolj razumljive. Izbrana banka v svojem etičnem kodeksu ni opredelila medsebojnih odnosov zaposlenih, vprašanj v povezavi s kodeksom in ugovor vesti. Pomanjkljivo je definirala varnost na delovnem mestu ter podkupovanje in korupcijo. V etičnem kodeksu druge izbrane banke ne najdemo omenjenega odnosa z delničarji (lastniki), prav tako ne odnos z dobavitelji ter lokalno skupnostjo. Uporabniku nerazumljivo je opisala njihov odnos z okoljem ter podkupovanje in korupcijo.

Ključne besede

etika;poslovna etika;etični kodeks;banke;

Podatki

Jezik:	Slovenski jezik
Leto izida:	2018
Tipologija:	2.11 - Diplomsko delo
Organizacija:	UM EPF - Ekonomsko-poslovna fakulteta
Založnik:	[P. Podlesnik]
UDK:	174:336.71
COBISS:	13189404
Št. ogledov:	928
Št. prenosov:	159
Ocena:	0 (0 glasov)
Metapodatki:

Ostali podatki

Sekundarni jezik:	Angleški jezik
Sekundarni naslov:	Code of ethics of banks
Sekundarni povzetek:	The diploma thesis is focused on the meaning and problematics of bank ethics. We have defined the term ethics, what business ethics is, described the way of ethics growth, and in that way also the ethics code. We have explained what influence ethics has in banking, why it is important, and the role ethics codes have in banks. We have described ethics of banks, what business codes can be found in banking nowadays, and why they are important. Ethics codes are more and more the means to ensure ethical behaviour and working of the employees. To ensure the implementation, all employees have to be acquainted with the code and understand it. Ethics code is used by the banks to help the users with understanding of what is right and wrong, which influences their further behaviour and decisions. We stated two hypotheses in the diploma thesis that banks with foreign owners in Slovenia have ethics codes in their systems, written for users in the way they know what to do in certain situations and in details and that the ethics codes of two different banks in Slovenia under the foreign ownership are very similar in content. We have chosen the banks under the foreign ownership because we think that banks in Western Europe and USA tend to appreciate ethic values more than in our society. Based on that, we assume that the content of the ethics codes is more detailed. We also assume that their ethics codes are wider in content, they have appropriate guidelines for all activities and departments in details and understandable. The stated hypotheses have been checked with publicly accessible documents, which have given us the right information. We have also used the table presentation for better understanding. We have also analysed the ethics codes for the chosen banks and compare them. We have chosen two banks in Slovenia, which have foreign ownerships, analysed their ethics codes and concluded that both banks have their basic contents and values in their ethics codes very similar and related. The banks we have analysed have had most of the guidelines of the ethics code written in a very understandable way and in details. When we have analysed the codes of both banks, we have found out that it is possible to find five guidelines of the code the most in both codes that are not defined or understandable or detailed enough in explanation and therefore, understandable for the users. The chosen bank has not defined interpersonal relationships between the employees in its ethics code in connection with the code and conscious appeal. Security at work, bribing, and corruption have been insufficiently described. In the ethics code of the other chosen bank cannot be found the mentioned relationship with shareholders (owners) as well as not the relationship with suppliers and local community. The user can also have problems with understanding of the relationship with the environment, bribing, and corruption.
Sekundarne ključne besede:	ethics;business ethics;ethical code;ethics in banks.;
URN:	URN:SI:UM:
Vrsta dela (COBISS):	Delo diplomskega projekta/projektno delo
Komentar na gradivo:	Univ. v Mariboru, Ekonomsko-poslovna fak.
Strani:	38 str.
ID:	10958999