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Naslov:UPORABA DOKUMENTARNEGA AKREDITIVA KOT INSTRUMENTA ZAVAROVANJA PLAČILA
Avtorji:Zorec, Marta (Avtor)
Oplotnik, Žan Jan (Mentor) Več o mentorju... Novo okno
Datoteke:.pdf MAG_Zorec_Marta_2015.pdf (5,62 MB)
 
Jezik:Slovenski jezik
Vrsta gradiva:Magistrsko delo/naloga (mb22)
Tipologija:2.09 - Magistrsko delo
Organizacija:EPF - Ekonomsko-poslovna fakulteta
Opis:S pojavom globalizacije in udejstvovanjem na tujih trgih so podjetja izpostavljena številnim tveganjem. Najpomembnejše med njimi je zagotovo tveganje, da podjetje za prodano blago ali storitev ne bo prejelo plačila, kar bo vplivalo na finančni tok in morebiti celo ogrozilo obstoj podjetja. Zato je pomembno, da vodstvo ta tveganja prepozna in sprejme ustrezne ukrepe zavarovanja plačila. Namen dela je bil raziskati instrumente zavarovanja plačil, ki poslovna partnerja ustrezno zaščitijo pred tveganji in ugotoviti, ali je dokumentarni akreditiv res najvarnejši instrument zavarovanja plačila. Glede na to, da varuje interese tako prodajalca kot kupca, obvezo plačila pa pod pogojem, da so izpolnjeni vsi v akreditivu navedeni pogoji, prevzame banka, smo prišli do zaključka, da je akreditiv najprimernejši in najvarnejši instrument zavarovanja plačila in tako potrdili zastavljeno H1. Hkrati smo ugotovili, da ne obstaja instrument zavarovanja plačila, ki bi nudil popolno zaščito tako prodajalcu kot kupcu. Na podlagi analize zbranih podatkov smo potrdili tudi H2, kjer nas je zanimalo poslovanje z akreditivi v obdobju od 2007 do 2013. Ugotovitve so potrdile naše domneve, da se je obseg poslovanja z akreditivi v omenjenem obdobju zmanjšal. Čeprav akreditiv velja za najvarnejši instrument zavarovanja plačila, pa se v praksi ne uporablja toliko kot bi pričakovali. Zato smo s H3 predvidevali, da se podjetja ne odločajo za njegovo uporabo, ker ga slabo poznajo oziroma celo ne poznajo. Rezultati anket so pokazali, da ga podjetja poznajo precej dobro, zaradi česar smo H3 ovrgli. Poslovanje z dokumentarnim akreditivom navzven mogoče deluje enostavno, vendar smo skozi nalogo nanizali številna dejstva, ki govorijo ravno nasprotno in dokazujejo, da so pri uporabi akreditiva potrebni velika skrbnost, natančnost in poznavanje materije.
Ključne besede:Mednarodno poslovanje, tveganja v mednarodnem poslovanju, instrumenti zavarovanja, dokumentarni akreditiv
Leto izida:2015
Založnik:[M. Zorec]
Izvor:Maribor
UDK:336.77
COBISS_ID:12057116 Povezava se odpre v novem oknu
Število ogledov:527
Število prenosov:88
Metapodatki:XML RDF-CHPDL DC-XML DC-RDF
Področja:EPF
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Sekundarni jezik

Jezik:Angleški jezik
Naslov:THE USE OF DOCUMENTARY CREDIT AS AN INSTRUMENT OF INSURANCE PAYMENTS
Opis:With the advent of globalization and engagement in foreign markets, companies are exposed to various risks. The most important among them is certainly the risk that a company will not receive payment for goods sold or services, which will affect cash flow and may even threaten the existence of the company. It is therefore important for the management to recognize these risks and to take appropriate measures for payment insurance. The purpose of this thesis was to investigate the instruments of payment insurance, which are available to adequately protect both business partners against the risks, and to determine whether the documentary letter of credit really is the safest instrument for payment insurance. Regarding the facts that it protects the interests of both, the seller and the buyer, and that the payment commitment is, on condition that all of the conditions set out in the letter of credit are fulfilled, the bank's responsibility, we came to the conclusion that the letter of credit is the best and the safest instrument for payment insurance and that confirmed the H1 that was set. At the same time, we found out that there is no instrument for payment insurance that would offer complete protection to both the seller and the buyer. Based on the analysis of the collected data the H2, where we were interested in doing business with letters of credit in the period from 2007 to 2013, was also confirmed. The findings confirmed our assumptions that the volume of business with letters of credit was declining in this period. Although the letter of credit is being recognized as the safest instrument of payment insurance, it is however not used in practice as frequently as you would expect. Therefore we predicted with the H3 that the companies decide not to use it because of their poor knowledge about it or because they do not know it at all. The results of the survey showed that the companies know it quite well, which is why we reversed the H3. Economic operation with documentary letters of credit can seem to work uncomplicated on the outward, but through the thesis we were able to list numerous facts, which speak against it and prove that the use of the letter of credit requires considerable care, precision and knowledge of the matter.
Ključne besede:International business, risks in international business, security instruments, documentary letter of credit


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