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Title:Seznanjenost bančnih uslužbencev s tveganji v komercialnih bankah
Authors:Savanović, Dragan (Author)
Ivanuša, Teodora (Mentor) More about this mentor... New window
Files:.pdf VS_Savanovic_Dragan_2020.pdf (1,28 MB)
MD5: AD23BAF01ED6D2CD17E85E424401EB12
 
Language:Slovenian
Work type:Bachelor thesis/paper (mb11)
Typology:2.11 - Undergraduate Thesis
Organization:FOV - Faculty of Organizational Sciences in Kranj
Abstract:Skoraj vsi smo v svojem življenju že odplačali kakšen bančni kredit ali pa ga še bomo. Pri tem se srečujemo z bančnimi uslužbenci, ki so bolj ali manj seznanjeni s finančnimi tveganji in ki nas seznanijo s kreditnimi pogoji, ki določajo našo kreditno sposobnost. V diplomski nalogi smo obravnavali problematiko seznanjenosti bančnih uslužbencev s finančnimi tveganji in poskusili oceniti vidik zavedanja bančnih uslužbencev glede finančnih tveganj. Bančni uslužbenci pri odločanju o kreditni sposobnosti komitenta lahko ob obstoječi metodologiji ocenjevanja tveganj in določanja kreditne sposobnosti komitentov precenijo ali podcenijo finančna tveganja in pri tem naredijo dve vrsti statističnih napak in sicer napako prve vrste, da odobrijo kredit neprimernemu komitentu ali pa napako druge vrste, da kredita ne odobrijo ustreznemu komitentu. Obe napaki imata neugodne posledice. Cilj diplomske naloge je bil predstaviti področje nedoločenosti in bančnim uslužbencem podati nekaj koristnih nasvetov za minimiziranje možnih statističnih napak, ki so v svojem izvoru posledica človeških napak.
Keywords:banka, nedoločenost, poslovno poročilo, razkritja, tveganje
Year of publishing:2020
Source:Maribor
COBISS_ID:36591107 New window
NUK URN:URN:SI:UM:DK:VJLXBTLK
Views:147
Downloads:16
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Categories:FOV
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Licences

License:CC BY-ND 4.0, Creative Commons Attribution-NoDerivatives 4.0 International
Link:http://creativecommons.org/licenses/by-nd/4.0/
Description:Under the NoDerivatives Creative Commons license one can take a work released under this license and re-distribute it, but it cannot be shared with others in adapted form, and credit must be provided to the author.
Licensing start date:01.10.2020

Secondary language

Language:English
Title:Risk awareness of bank employees in commercial banks
Abstract:Almost all of us have already repaid a bank loan in our lives or we will do so. In doing so, we meet with bank employees who are more or less familiar with financial risks and who acquaint us with the credit terms that determine our creditworthiness. In the diploma thesis we discussed the issue of familiarity of bank employees with financial risks and tried to assess the aspect of awareness of bank employees regarding financial risks. When deciding on a customer's creditworthiness, bank employees may overestimate or underestimate financial risks in addition to the existing methodology for assessing risks and determining the creditworthiness of customers, making two types of statistical errors, namely the first type of error in granting credit to an unsuitable client. credit is not granted to the relevant client. Both mistakes have unpleasant consequences. The aim of the diploma thesis was to present the field of uncertainty and to give bank employees some useful tips for minimizing possible statistical errors that are due to human error in their origin.
Keywords:bank, uncertainty, business report, disclosures, risks


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