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Title:FINANČNA ANALIZA PRI OBVLADOVANJU KREDITNEGA TVEGANJA NA PRIMERU MEDNARODNE FINANČNE INŠTITUCIJE
Authors:Divković, Zorica (Author)
Oplotnik, Jan Žan (Mentor) More about this mentor... New window
Files:.pdf UNI_Divkovic_Zorica_2009.pdf (758,76 KB)
 
Language:Slovenian
Work type:Undergraduate thesis (m5)
Organization:EPF - Faculty of Business and Economics
Abstract:Kreditna dejavnost bank je povezana s tveganjem, da kredit ne bo vrnjen in da obresti po kreditu ne bodo poplačane. To tveganje je lahko večje ali manjše glede na boniteto posojilojemalca oz. glede na obseg kredita. Kakovostna analiza kreditne sposobnosti je temelj uspešnega obvladovanja omenjenega tveganja. Banka mora pred odobritvijo vsake naložbe oceniti, koliko je komitent sposoben izpolnjevati obveznosti do banke. Tudi na praktičnem primeru skupine Istrabenz smo lahko videli, kako pomembno je, da banka ves čas trajanja pravnega razmerja spremlja rednost poravnavanja obveznosti komitenta in še posebej kako iz leta v leto posluje. Ne samo, da je potrebno obravnavati tekoče poslovanje ampak tudi predvidevati gibanja v prihodnje in v tem smislu ukrepati. Zato tudi banke upnice skupine Istrabenz že nekaj časa iščejo rešitve in način, kako bi izterjale svoje terjatve do Istrabenz skupine.
Keywords:Slovenski bančni sistem, vrste tveganja, kreditno tveganje, dejavniki kreditnega tveganja, ekonomski kazalniki.
Year of publishing:2009
Publisher:[Z. Divković]
Source:Maribor
UDC:339.7
COBISS_ID:10047516 Link is opened in a new window
NUK URN:URN:SI:UM:DK:RTYFAFW4
Views:2264
Downloads:225
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Categories:EPF
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Secondary language

Language:English
Title:FINANCIAL ANALYSIS IN MANGEMENT OF CREDIT RISK; THE CASE OF INTERNATIONAL FINANCIAL INSTITUTION
Abstract:Credit activity of the banks is associated with credit risk that loan and/or its related interests will not be returned. This risk can be higher or lower according to quality of the borrower or according to volume of credit. Quality credit analysis of credit adequacy is a basic element of successful managing of this kind of risk. Before the approval of investment, bank should estimate how customer is able to comply with obligations of the bank. Even on practical case of Istrabenz group we can see how important it is to bank that for entire duration of legal relationship, monitors customer settlements of commitments, in particular how from year to year it operates. It is not only necessary to monitor current operating but it is important to predict future events and movements and also to take action in this regard. Therefore, the creditor banks of the Istrabenz group for some time looking for solutions and the way how to recover claims against Istrabenz group.
Keywords:Slovenian banking system, the types of risk, credit risk, credit risk factors, financial analysis, economic indicators.


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