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Dolgoročno kreditiranje fizičnih oseb in najpogostejše oblike zavarovanja : diplomsko delo visokošolskega strokovnega študijskega programa prve bolonjske stopnje Management poslovnih sistemovBudja, Miha, 1988-V diplomskem delu je predstavljena ponudba dolgoročnih kreditov v slovenskih bankah in najpogostejše vrste zavarovanj. Zaradi izredno močne konkurence na majhnem slovenskem trgu se je ugotavljalo, s ... kakšnimi ponudbami banke privabljajo kreditojemalce, ki za banke predstavljajo pomemben vir obrestnih prihodkov. Banke pogosto poudarjajo samo nizke obrestne mere in hitrost odobritve kredita, velikokrat pa ostale podrobnosti in stroške skrijejo v drobni tisk (zakonsko so sicer dolžne objaviti informativni izračun, ki mora vključevati tudi EOM). Da pa bi banke omejile kreditno tveganje, so dolžne pred samo odobritvijo kredita prosilca ustrezno razvrstiti v bonitetni razred, pri čemer si pomagajo z izračunom kreditne ocene. Že dolgo več ne velja pravilo, da so za odobritev kredita dovolj samo visoki mesečni prilivi iz naslova plače ali pokojnine. Banke so dolžne preveriti potrošnikovo kreditno sposobnost, premoženje, mesečne odhodke gospodinjstva in morebitne negativne dogodke v preteklosti, kot so zamude in izvršbe. Stroge omejitve pri kreditiranju in oceni tveganja bankam nalaga sam Zakon o potrošniških kreditih in interni akti oz. sprejeta pravila banke, nad vsemi akterji pa bdi Banka Slovenije kot nadzorni organ. S samo raziskavo je bilo dokazano, da ljudje, ki si vzamejo dovolj časa in dobro preučijo ponudbe bank, lahko prihranijo tudi več kot 36 % pri skupnih stroških kredita, kar ni nezanemarljivo.Type of material - undergraduate thesis ; adult, seriousPublication and manufacture - Maribor : [M. Budja], 2018Language - slovenianCOBISS.SI-ID - 149137667
Author
Budja, Miha, 1988-
Other authors
Kovač, Matjaž, mag. prava, 1972-
Topics
krediti |
kreditno tveganje |
kreditna sposobnost |
zavarovanje |
obrestne mere |
loan |
credit risk |
creditworthiness |
insurance |
interest rate
Library/institution |
City | Acronym | For loan | Other holdings |
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Alma Mater Europaea University, Maribor | Maribor | ESM |
reading room 1 cop.
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Database name | Field | Year |
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Links to authors' personal bibliographies | Links to information on researchers in the SICRIS system |
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Budja, Miha, 1988- | |
Kovač, Matjaž, mag. prava, 1972- |
Source: Personal bibliographies
and: SICRIS
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