{"id":967,"date":"2017-09-15T10:56:54","date_gmt":"2017-09-15T10:56:54","guid":{"rendered":"http:\/\/alpha-credo.com\/zavarovanje-terjatev\/"},"modified":"2021-07-13T13:58:05","modified_gmt":"2021-07-13T11:58:05","slug":"zavarovanje-terjatev","status":"publish","type":"page","link":"https:\/\/alpha-credo.com\/hr\/zavarovanje-terjatev\/","title":{"rendered":"Osiguranje potra\u017eivanja"},"content":{"rendered":"

OSIGURANJE POTRA\u017dIVANJA<\/span><\/p>\n<\/div>

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KREDITNI RIZICI<\/h2><\/a><\/div>
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Upravljanje kreditnih rizika je od velike va\u017enosti za svako preduze\u0107e. Potra\u017eivanja od kupaca u mnogim slu\u010dajevima su va\u017ean dio poslovne imovine, uklju\u010duju\u0107i i 40 posto ili vi\u0161e, pogotovo u brzorastu\u0107im tr\u017ei\u0161no orijentiranim poduze\u0107ima.<\/p>\n<\/div>

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KREDITNA OSIGURANJA<\/h2><\/a><\/div>
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Osiguranje potra\u017eivanja (eng. “credit insurance”) zna\u0107i prebacivanje rizika nepla\u0107anja kupaca zbog insolventnosti ili dugovremene platne nesposobnosti na osiguravaju\u0107e dru\u0161tvo.<\/p>\n<\/div>

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PREDNOSTI I MANE KREDITNOG OSIGURANJA<\/h2><\/a><\/div>
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S prenosom tveganja nepla\u010dil kupcev na specializirano kreditno zavarovalnico, ki ta tveganja nedvomno la\u017eje nosi kot samo podjetje, si prodajalec zagotovi potrebno gospodarsko varnost poslovanja.<\/p>\n<\/div>

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ZAVAROVALNA POGODBA<\/h2><\/a><\/div>
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Pomemben element kreditne pogodbe je limit za posameznega kupca. Kreditna zavarovalnica preveri boniteto kupca in mu dolo\u010di kreditni limit \u2013 maksimalno izpostavljenost do posameznega kupca.<\/p>\n<\/div>

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