{"id":2368,"date":"2020-12-23T09:06:00","date_gmt":"2020-12-23T08:06:00","guid":{"rendered":"http:\/\/alpha-credo.com\/?p=2368"},"modified":"2021-07-20T16:37:57","modified_gmt":"2021-07-20T14:37:57","slug":"rast-slabih-posojil","status":"publish","type":"post","link":"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/","title":{"rendered":"Rast slabih posojil"},"content":{"rendered":"<p><strong><em>Slabe gospodarske razmere nakazujejo na rast dele\u017ea slabih posojil v ban\u010dnem sektorju. Za razliko od finan\u010dne krize v letu 2008, je EU \u017ee korak pred potencialno katastrofo. EU je namre\u010d za\u010drtala strate\u0161ki na\u010drt, ki bo omogo\u010dal, da bodo banke lahko u\u010dinkoviteje upravljale s slabimi posojili in s tem ohranjale stabilnost ter tako \u0161e naprej zagotavljale likvidnost v teh izjemno turbulentnih \u010dasih. Rast slabih posojil hkrati ni dobra novica za celoten realni sektor. \u010ce podjetja ne bodo servisirala posojil, zagotovo ne bodo servisirala svojih dobaviteljev.<\/em><\/strong><\/p>\n<p>\u010ceprav je kriza, ki je posledica pandemije COVID-19, globalno gospodarstvo prizadela mo\u010dneje kot kriza leta 2008, to ne velja za ban\u010dni sektor. Ve\u010dino zaslug, da so banke danes stabilne in zmo\u017ene zagotavljati likvidnost, je pripisati u\u010dinkoviti regulaciji ban\u010dnega sektorja, ki je bila implementirana po zlomu finan\u010dnega sektorja leta 2008. Nenazadnje bodo banke postavljene pred izziv tudi v trenutni krizi. Pri\u010dakovana rast slabih posojil s strani gospodinjstev in podjetij za bilanco stanja zagotovo ne pomeni ni\u010d dobrega v \u010dasu, ko se od bank pri\u010dakuje zagotavljanje likvidnosti neposredno in posredno, preko dr\u017eavnih poro\u0161tvenih shem ter odlogom pla\u010dila. Rezultat, ki ga je mo\u010d pri\u010dakovati v bli\u017enji prihodnosti, je rast slabih posojil iz naslova kreditov, ki so bili odobreni \u017ee pred pandemijo COVID-19 in tistih, ki so in se \u0161e sklepajo danes. Kako u\u010dinkovito likvidirati slaba posojila, pridobiti dodatno likvidnost ter ohranjati zdravo bilanco stanja, pa je eden izmed glavnih izzivov s katerim se bo soo\u010dal ban\u010dni sektor.<\/p>\n<p>Analize Evropske komisije (2020) ka\u017eejo, da finan\u010dno stanje v evropskem ban\u010dnem sektorju ostaja dobro, kljub krizi, ki je posledica pandemije COVID-19. \u010ceprav so vse dr\u017eave \u010dlanice v recesiji, je povpre\u010dni Tier 1 kapital za banke na obmo\u010dju EU zna\u0161al 16,4% v drugem kvartalu 2020. Povpre\u010dni dele\u017e slabih posojil v bankah se je v istem obdobju zasidral na 2,8%. V zadnjem kvartalu je dele\u017e slabih posojil v bankah zna\u0161al 2,6%, v prvem kvartalu 2020 pa 2,9% po poro\u010danju Evropske komisije (2020).<\/p>\n<p>Kljub temu, da je ban\u010dni sektor stabilen, je zelo verjetno pri\u010dakovati, da se bodo razmere mo\u010dno poslab\u0161ale, ko bodo dr\u017eave ukinile ukrepe in sheme za pomo\u010d gospodarstvu in gospodinjstvom. Kot poro\u010da Financial Times (FT), Andrea Enria, Predsednik Nadzornega odbora Evropske centralne banke (ECB), ocenjuje, da bi lahko vsota slabih posojil v bankah na obmo\u010dju EU zna\u0161ala 1.400 milijard EUR, kar je znatno ve\u010d kot v \u010dasu finan\u010dne krize leta 2008. Poudariti moramo, da je dele\u017e slabih posojil \u0161e vedno zaskrbljujo\u010d v gr\u0161kem ban\u010dnem sektorju (39,6%) in na Cipru (14,5%).<\/p>\n<p>Da se bodo banke lahko spopadale s pri\u010dakovano rastjo dele\u017ea slabih posojil, je Evropska komisija za\u010drtala smernice katerih cilj je vzpostaviti visoko-likviden sekundarni trg, ki bo podprt z veliko koli\u010dino kvalitativnih in kvantitativnih podatkov in bo omogo\u010dal trgovanje slabih posojil med bankami in zainteresiranimi investitorji. Za vzpostavitev tak\u0161nega trga je pomembno razviti tehnolo\u0161ko infrastrukturo, ki bo izbolj\u0161ala transparentnost in tako privabila nove investitorje.<\/p>\n<p>Pri\u010dakovana rast slabih posojil bo negativno vplivala tudi na podjetja. Skladno s predvidevanji, da vse ve\u010d podjetij ne bo zmo\u017eno servisirati posojil, sovpada dejstvo, da bodo ista podjetja nezmo\u017ena servisirati tudi svoje dobavitelje. Posledi\u010dno bodo pred velik izziv postavljeni upravljalci tveganj, ki bodo morali zagotoviti stabilne in predvidljive denarne tokove ter pove\u010dati nadzor nad svojimi kupci. Eno izmed orodij, ki lahko pomaga upravljalcem tveganj pri upravljanju kreditnih tveganj (tveganj nepla\u010dila) je polica za zavarovanje terjatev. Varno trgovanje, predvidljivi denarni tokovi, hitre in natan\u010dne informacije o kupcih ter prihranek na \u010dasu so le nekatere izmed mnogih prednosti zavarovanja terjatev.<\/p>\n<hr \/>\n<p>Avtor prispevka je ekipa ALPHA CREDO<\/p>\n<p>Viri:<\/p>\n<p>The European Commission, (2020). Action plan: Tackling non-performing loans (NPLs) in the aftermath of the COVID-19 pandemic. Dostopno <a href=\"https:\/\/ec.europa.eu\/finance\/docs\/law\/201216-communication-non-performing-loans_en.pdf\">tukaj<\/a><\/p>\n<p>Fleming, S. (2020). Brussels seeks to help banks offload rising tide of bad loans. Dostopno <a href=\"https:\/\/www.ft.com\/content\/294e7af5-7eff-4d38-89f0-6985eb20abb2\">tukaj\u00a0<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Slabe gospodarske razmere nakazujejo na rast dele\u017ea slabih posojil v ban\u010dnem sektorju. Za razliko od finan\u010dne krize v letu 2008, je EU \u017ee korak pred potencialno katastrofo. EU je namre\u010d za\u010drtala strate\u0161ki na\u010drt, ki bo omogo\u010dal, da bodo banke lahko u\u010dinkoviteje upravljale s slabimi posojili in s tem ohranjale stabilnost ter tako \u0161e naprej zagotavljale [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":3107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rast slabih posojil - Alpha Credo<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rast slabih posojil - Alpha Credo\" \/>\n<meta property=\"og:description\" content=\"Slabe gospodarske razmere nakazujejo na rast dele\u017ea slabih posojil v ban\u010dnem sektorju. Za razliko od finan\u010dne krize v letu 2008, je EU \u017ee korak pred potencialno katastrofo. EU je namre\u010d za\u010drtala strate\u0161ki na\u010drt, ki bo omogo\u010dal, da bodo banke lahko u\u010dinkoviteje upravljale s slabimi posojili in s tem ohranjale stabilnost ter tako \u0161e naprej zagotavljale [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/\" \/>\n<meta property=\"og:site_name\" content=\"Alpha Credo\" \/>\n<meta property=\"article:published_time\" content=\"2020-12-23T08:06:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2021-07-20T14:37:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/alpha-credo.com\/wp-content\/uploads\/2021\/07\/NPLSLO-01.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"627\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"aljaz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"aljaz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/\",\"url\":\"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/\",\"name\":\"Rast slabih posojil - Alpha Credo\",\"isPartOf\":{\"@id\":\"https:\/\/alpha-credo.com\/sl\/#website\"},\"datePublished\":\"2020-12-23T08:06:00+00:00\",\"dateModified\":\"2021-07-20T14:37:57+00:00\",\"author\":{\"@id\":\"https:\/\/alpha-credo.com\/sl\/#\/schema\/person\/de48150be544a3ffc619d9ebc0bb0450\"},\"breadcrumb\":{\"@id\":\"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/#breadcrumb\"},\"inLanguage\":\"sl-SI\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alpha-credo.com\/sl\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Rast slabih posojil\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alpha-credo.com\/sl\/#website\",\"url\":\"https:\/\/alpha-credo.com\/sl\/\",\"name\":\"Alpha Credo\",\"description\":\"Zavarovalno posredni\u0161ka dru\u017eba\/Insurance Brokerage\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alpha-credo.com\/sl\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"sl-SI\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/alpha-credo.com\/sl\/#\/schema\/person\/de48150be544a3ffc619d9ebc0bb0450\",\"name\":\"aljaz\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"sl-SI\",\"@id\":\"https:\/\/alpha-credo.com\/sl\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/4d5e247c9d88cce44443592f9313a057?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/4d5e247c9d88cce44443592f9313a057?s=96&d=mm&r=g\",\"caption\":\"aljaz\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Rast slabih posojil - Alpha Credo","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alpha-credo.com\/sl\/rast-slabih-posojil\/","og_locale":"sl_SI","og_type":"article","og_title":"Rast slabih posojil - Alpha Credo","og_description":"Slabe gospodarske razmere nakazujejo na rast dele\u017ea slabih posojil v ban\u010dnem sektorju. 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