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Title:POSLOVNE BANKE IN VARČEVANJE PREBIVALSTVA
Authors:ID Blaznik, Lucija (Author)
ID Boršič, Darja (Mentor) More about this mentor... New window
Files:.pdf UNI_Blaznik_Lucija_2012.pdf (1,35 MB)
MD5: 9AA44A5EC1BC55B6FC309F80F4CC860D
PID: 20.500.12556/dkum/8478ac8a-a621-47eb-b82f-e395ae1344e5
 
Language:Slovenian
Work type:Final seminar paper
Typology:2.11 - Undergraduate Thesis
Organization:EPF - Faculty of Business and Economics
Abstract:Živimo v potrošniški družbi, kjer zaradi vse večje ponudbe novih proizvodov nastajajo nove potrebe. Časi niso nič kaj spodbudni, saj se spremembe dogajajo z enormno hitrostjo in vplivajo na vse sfere posameznikovega življenja. Prihodnost posameznikov postaja negotova, potreba po finančni varnosti pa posledično izredno močna. Varčevanje kot dejavnik, ki omogoča finančno varnost v prihodnosti, je tako postalo izredno pomembno. Raziskave ugotavljajo, da se je v teh turbulentnih časih, ki jih je povzročila globalna kriza, varčevanje v poslovnih bankah povečalo, zmanjšalo pa se je varčevanje v obliki naložb v vzajemne sklade in druge tvegane oblike varčevanja. Zaradi nepredvidljivih dejavnikov in sprememb na trgu, se ljudje zatekajo k varnim oblikam varčevanja, kamor spada tudi varčevanje v poslovnih bankah. Namreč, banke jamčijo varčevalcem izplačilo prihranjenih sredstev do zakonsko predpisane vsote, tudi v primeru, če bi banka zašla v krizo. Ponudba med bankami je pestra in raznolika, zato je za vsakega varčevalca smiselno, da preuči različne ponudbe bank in se odloči za najugodnejšo, glede na postavljene cilje varčevanja, potrebe, želje in pričakovanja. Skrb za prihodnost je upravičena, zlasti skrb za mlajše generacije, ki šele vstopajo na trg dela, in za katere je upokojitev, kot jo poznamo danes, vprašljiva. Zato je varčevanje za prihodnost ključnega pomena, finančno opismenjevanje in zgodnje seznanjenje z varčevanjem pa postaja nuja. Tako v tem delu diplomskega seminarja predstavljamo pomen varčevanja, glavne cilje varčevanja, motive in namene varčevanja, dejavnike, ki vplivajo na varčevanje prebivalstva in glavne oblike varčevanja v poslovnih bankah, kot trenutno ene od najbolj varnih oblik varčevanja. V nalogi so predstavljene varčevalne navade slovenskega prebivalstva oz. glavni motivi za varčevanje, podana pa je tudi primerjava ponudbe med poslovnimi bankami.
Keywords:varčevanje, prebivalstvo, poslovne banke
Place of publishing:Celje
Publisher:[L. Blaznik]
Year of publishing:2012
PID:20.500.12556/DKUM-21721 New window
UDC:336.71
COBISS.SI-ID:11102236 New window
NUK URN:URN:SI:UM:DK:WA6CXNMY
Publication date in DKUM:19.06.2012
Views:2118
Downloads:297
Metadata:XML DC-XML DC-RDF
Categories:EPF
:
BLAZNIK, Lucija, 2012, POSLOVNE BANKE IN VARČEVANJE PREBIVALSTVA [online]. Bachelor’s thesis. Celje : L. Blaznik. [Accessed 26 April 2025]. Retrieved from: https://dk.um.si/IzpisGradiva.php?lang=eng&id=21721
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Secondary language

Language:English
Title:COMMERCIAL BANKS AND HOUSEHOLD SAVINGS
Abstract:We live in a consumer society where the arising supplies of new products leed to new needs. The times nowadays are not encouraging, due to changes taking place at enormously high pace and, as such, affecting all spheres of individuals lives. On the one hand, the future of each individual is becoming uncertain, on the other hand, the need for financial security is gaining on her strength. Money saving has, therefore, become a very important factor providing financial security in the future. Surveys reveal that saving in commercial banks has increased in these turbulent times caused by the global crisis. On the other hand, risky forms of saving, such as the investments in mutual funds, has decreased. Due to unforeseen factors and changes in the market, people are turning to safe forms of saving, including savings in commercial banks. Namely, the banks guarantee their depositors a refund of their resources saved to the statutory amount, even if the bank has found itself in crisis. Commercial banks offers are wide and varied. Therefore, it is sensible to consider various bank offers and decide the one which most closely meets individuals saving aims, needs, wishes and expectations. Our concern about the future is justified, especially for the younger generation that is entering the labour market, and for which the retirement system as we know today is questionable. Therefore is saving for the future extremely important, financial literacy and early pairing of saving have become a necessity. In this diploma seminar we present the importance of saving, the main saving goals, motives and saving purposes, the factors that affect household savings and the main forms of savings in commercial banks, as currently one of the safest forms of saving. We also present the saving habits of Slovenian population, the main saving motives, and a comparison between commercial banks offers.
Keywords:saving, household, commercial banks


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