BANČNA GARANCIJA IN ANALIZA BANČNIH GARANCIJ V IZBRANI BANKI

BOROVINA, KATARINA (author), Klun, Maja (mentor)

Bančna garancija na prvi poziv predstavlja enega od instrumentov zavarovanja poslov za zaščito interesov poslovnih partnerjev. Glavna zaščita je predvsem ta, da lahko upravičenec bančne garancije zelo hitro pride do povračila škode, ki mu je bila povzročena s strani naročnika garancije. V diplomskem delu se seznanimo s podrobnejšo vsebino bančnih garancij. Predstavimo njen nastanek, ključne elemente, pravno podlago, potek izdaje bančne garancije v izbrani banki, morebitno zlorabo pri njenem unovčevanju in drugo. Prav tako smo posebej namenili poglavje bančnim garancijam za zavarovanje carinskega dolga, kjer smo podrobneje spoznali tudi to vrsto garancij. Osredotočili smo se tudi na število izdanih zavarovanj trošarinskih in carinskih obveznosti v korist Finančne uprave Republike Slovenije v letih 2016, 2017 in 2018 ter jih primerjali in na podlagi rezultatov potrdili ali ovrgli prvo hipotezo. Raziskovalni del zajema analizo bančnih garancij v izbrani banki v letu 2017 in 2018, v kateri smo zbrali podatke in jih predstavili v obliki grafikonov. Na podlagi pridobljenih rezultatov smo ugotovili, koliko garancij je bilo izdanih v določenem letu, katera vrsta garancije je prevladovala, koliko jih je bilo v posameznem letu unovčenih in drugo. S pomočjo rezultatov smo lahko potrdili ali ovrgli tudi drugo hipotezo. V zadnjem delu predstavimo projekt e-garancij, ki ga je zasnovala izbrana banka in ki je trenutno še zmeraj v postopku izdelovanja. Spoznamo se z namenom projekta in opisom postopka izdaje bančne garancije preko aplikacije. Projekt obeta veliko, in če bo tudi realizacija projekta uspešna, bo to omogočilo veliko hitrejši postopek izdaje garancij in olajšano delo tako strankam kot tudi zaposlenim. Za pričakovati je, da bo število strank naraslo, saj bodo v izbrani banki dobile veliko enostavnejši in hitrejši postopek izdaje garancije kot pri preostalih bankah, kar je za banko zelo koristno.

• Language: Slovenian
• Keywords: bančna garancija, zavarovanje, carinski dolg, analiza, projekt e-garancij
• Work type: Bachelor thesis/paper
• Organization: FU - Faculty of Administration
• Year: 2019
• PID: 20.500.12556/RUL-108502
• Publication date in RUL: 04.07.2019

Secondary language

• Language: English
• Title: BANK GUARANTEE AND ANALYSIS OF BANK GUARANTEES IN SELECTED BANK

Abstract

The first demand bank guarantee represents one of the instruments for insuring transactions to protect the interests of business partners. The main safeguard and purpose are that the beneficiary of the guarantee can quickly recover the damage done to him by the applicant of the guarantee. The diploma thesis introduces the content of bank guarantees in greater detail. It presents their origin, their key elements, legal grounds, the process of issuing bank guarantees in a selected bank, possible abuse in the process of calling on the guarantee, etc. A special chapter is devoted to bank guarantees for the insurance of a customs debt. It also focuses on the number of issued guarantees for customs and excise duties in favor of the Financial Administration of the Republic of Slovenia in 2016, 2017 and 2018. Afterwards, the data are compared and on the basis of the results, the first hypothesis is either confirmed or refuted. The research part contains an analysis of bank guarantees in the selected bank in 2017 and 2018, for which the data were collected and presented in the form of graphs. Based on the obtained results, it has been determined how many guarantees were issued in a particular year, which type of guarantee prevailed, how many of them were called on in a particular year, etc. The results were again used to confirm or refute the second hypothesis. In the final part the e-guarantees project is presented, which was designed by the selected bank and is still in the making. The thesis presents the project's purpose and describes the procedure of issuing a bank guarantee through an application. The expectations for the project are very high and if the realization of the project will be successful, it will enable a faster process of issuing guarantees and will facilitate the work of clients and employees. Considering that the selected bank will offer a faster and simpler issuing of guarantees than other banks, it is also expected that the number of clients will increase, which will, of course, be very beneficial for the bank.

• Keywords: bank guarantee, insurance, customs debt, analysis, e-guarantees project