20.500.12556/RUL-105763 Kreditna aktivnost bank v Sloveniji Lending activity of banks in Slovenia Vstop Slovenije v Evropsko unijo leta 2004 je bil pomembna prelomnica tako na političnem kot gospodarskem področju. Pred nove izzive je bil postavljen tudi bančni sistem, ki se je moral čim prej prilagoditi na delovanje v novem okolju. Glede na to, da so bili krediti bank prevladujoča oblika financiranja slovenskega gospodarstva, je bil nadaljnji razvoj Slovenije v veliki meri odvisen od ustreznosti odločitev slovenskih bankirjev. Vsesplošni optimizem in spodbudne napovedi so se izrazili v povečani kreditni aktivnosti in hitri gospodarski rasti, dokler leta 2008 zlom nepremičninskega trga v Združenih državah Amerike ni povzročil začetka svetovne gospodarske krize. Ta je z določenim zamikom posredno prizadela tudi banke v Sloveniji, saj so ostale brez pomembnega vira financiranja večjih evropskih bank. Te so zaradi nasedlih naložb v Združenih državah Amerike postale veliko bolj zadržane pri nadaljnjem financiranju. Upad kreditne aktivnosti in posledično tudi gospodarske rasti v Sloveniji je bil toliko izrazitejši zaradi prociklično naravnanega delovanja bank. Postopno zaostrovanje kreditnih standardov je privedlo do kreditnega krča, ki je močno dušil nadaljnji razvoj gospodarstva. Hitre in kakovostne rešitve, ki bi privedle do obrata kreditnega in gospodarskega cikla, so postale prednostna naloga. Zavedati se je treba, da gresta ustrezna kreditna aktivnost in zdrava gospodarska rast z roko v roki. Slovenia’s entry into the European Union in 2004 was a major turning point both in the political and the economic sphere. The banking system faced new challenges as well, having to adapt to operating in the new environment as fast as possible. Given the fact that bank loans were the predominant form of financing in the Slovenian economy, the further development of Slovenia largely depended on the appropriate decisions of Slovenian bankers. Overall optimism and encouraging forecasts were reflected in an increased lending activity and rapid economic growth, until the collapse of the real-estate market in the United States of America in 2008 led to the onset of the global economic crisis. With a certain delay, the crisis also affected banks in Slovenia because they lost an important source of financing from major European banks, which became much more conservative in further financing due to the collapsed investments in the United States of America. The decline in lending activity and, consequently, economic growth in Slovenia was even more pronounced due to the procyclical behaviour of banks. The gradual tightening of credit standards led to a credit crunch that severely dampened the further development of economy. Fast and high-quality solutions that would lead to a reversal in the credit and economic cycle became a priority. It needs to be taken into account that appropriate lending activity and healthy economic growth go hand in hand. Kredit tveganje zaupanje kreditni standard kreditna sposobnost obrestna mera zavarovanje kredita prociklično delovanje kreditni krč credit risk trust credit standards creditworthiness interest rate credit insurance procyclical operation credit crunch true false false Slovenski jezik Neznan jezik Magistrsko delo/naloga 2018-12-13 07:45:14 2018-12-13 07:45:20 2022-08-18 03:45:53 0000-00-00 00:00:00 2018 0 0 0000-00-00 NiDoloceno NiDoloceno NiDoloceno 0000-00-00 0000-00-00 0000-00-00 1970-01-01 86437 16503633 3946.pdf 3946.pdf 1 128A4BA5613A5996905BAE8AF300332C e739433f6d1943ce8c985bdbf316f5e42e44a595748c060225c8759c32c6770d 3574f2bc-a1b6-11eb-a523-00155dcfd717 https://repozitorij.uni-lj.si/Dokument.php?lang=slv&id=116440 Pravna fakulteta 0 0 0