Družba za upravljanje terjatev bank

diplomsko delo visokošolskega študijskega programa Informacijska varnost

Maja Loknar (Avtor), Bojan Dobovšek (Mentor)

Povzetek

Bančni sistem in njegovo brezhibno delovanje sta ključnega pomena za državo in njene ljudi, saj bančni sistem in dogajanje na njegovem trgu neposredno posegata v realni sektor in življenje ljudi. Ko je leta 2008 prišlo do svetovne finančne krize, so se tega zavedale vse države, saj zaradi prepletenosti finančnih trgov različnih držav med sabo praktično ni bilo države, ki se je takratna finančna kriza ne bi dotikala. Finančno krizo so povzročila deviantna ravnanja finančnega sektorja in finančnih institucij z namenom stremljenja k višjemu dobičku, zato so se odločali za bolj tvegane posle in odobravali bolj tvegane kredite. V diplomskem delu smo raziskali, kdo so krivci za nastanek takratne finančne krize, kaj so slabe terjatve in kateri so načini, kako reševati finančno krizo. Večina držav se je ob prejšnji finančni krizi odločila za urejanje problema slabih sredstev bank in tveganih postavk na način, da so uporabile mehanizem t. i. slabe banke. Pri nas je leta 2013 v okviru mehanizma slabe banke nastala Družba za upravljanje terjatev bank, ki je v slovenskem prostoru nase prevzela slabe terjatve bank. V diplomskem delu smo predstavili ozadje nastanka finančne krize, slabe banke in naše DUTB. Ker verjamemo, da rešitev za izogib nadaljnjih takšnih kriz v nadzoru in ustrezni regulaciji finančnega trga obstaja, smo pregledali, kaj o poslovanju DUTB pravijo na Računskem sodišču. Pregledali smo tudi, kakšen sistem imajo in kako so uporabljali model slabe banke v tujini.

Ključne besede

diplomske naloge;DUTB;slaba banka;finančna kriza;računsko sodišče;

Podatki

Jezik:	Slovenski jezik
Leto izida:	2020
Tipologija:	2.11 - Diplomsko delo
Organizacija:	UM FVV - Fakulteta za varnostne vede
Založnik:	[M. Loknar]
UDK:	336.71(497.4)(043.2)
COBISS:	29673731
Št. ogledov:	502
Št. prenosov:	79
Ocena:	0 (0 glasov)
Metapodatki:

Ostali podatki

Sekundarni jezik:	Angleški jezik
Sekundarni naslov:	Company for management of poorly-performing assets of banks
Sekundarni povzetek:	The banking system and its immaculate working have a significant meaning for the country and her people because the banking sistem and the things that are going on in the market have an inpact on life and the people in the country. When the last financial crisis began in 2008 this was known to all the countries, because the financial markets of different countries were (and are) so intertwined that there were practically no countries that were not affected. The financial crisis was caused by deviant behaviors of the financial sector and financial institutions because they wished for more profit, that is why they were engaging in more risky businesses and approved more risky loans and mortgage loans. In this bachelor thesis, we explored who are the perpetrators and main culprits for the financial crisis, what are bad debt claims, and ways of battling the financial crisis. Most states had decided to use the mechanism of »the bad bank« to combat the problem of bad debt claims in the last financial crisis. In our country the company that was dealing with our bad debt claims was and is The company for managing poorly performing assets of banks or in Slovene (DUTB), it was established in 2013. In this bachelor thesis, we demonstrated the background of the financial crisis, the mechanism of bad banks, and our company DUTB. Because we believe that the way to avoid any further financial crisis is by regulating and supervising the financial sector, we also looked at what our Court of Audit has to say about our DUTB. Besides that, we also looked at what systems of bad banks they have in other countries and how they are used.
Sekundarne ključne besede:	DUTB;bad bank;financial crisis;Court of audit;
Vrsta dela (COBISS):	Diplomsko delo/naloga
Komentar na gradivo:	Univ. v Mariboru, Fak. za varnostne vede, Ljubljana
Strani:	IX, 49 str.
ID:	12040791