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2021, vol. 9, br. 1, str. 84-93
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Osiguranje kao zajmovni sporazum za upravljanje rizikom prilikom kreditiranja preduzeća
Insurance as a loan agreement for managing risk in corporate lending
Sažetak
Upravljanje kreditnim rizikom predstavlja jedan od najvažnijih bankarskih poslova, kako u razvijenim zemljama, tako i u zemljama u razvoju. Pored brojnih metoda i tehnika, banke pribegavaju zaključivanju posebnih kreditnih sporazuma (loan covenants) prilikom odobravanja kredita privrednim subjektima. Posebne odredbe ovakvog sporazuma obezbeđuju dodatnu sigurnost zajmodavcu da neće biti oštećen prilikom pozajmljivanja sredstava. U ovim zajmovnim sporazumima, osiguranje ima značajnu ulogu, bilo da se radi o korporativnom ili bankarskom zaduživanju. U ovom radu predmet razmatranja je uloga osiguranja kao zajmovnog sporazuma u kreditiranju preduzeća prvenstveno od strane banaka. Cilj rada je da opiše značaj i ulogu osiguranja u procesu kreditiranja preduzeća, da ukaže na benefite postojanja odredbi vezanih za osiguranje u ugovoru o kreditu i po zajmodavca i po zajmoprimca, i da pruži kratak prikaz korišćenja osiguranja kao metoda za podelu rizika, odnosno metoda za upravljanje kreditnim rizikom uopšteno posmatrano, sa osvrtom na korišćenje ovakvog vida sporazuma i u Srbiji.
Abstract
Credit risk management is one of the most important banking operations, both in developed and developing countries. In addition to numerous methods and techniques, banks decide to conclude special credit agreements when granting loans to economic entities. The special provisions of such an agreement provide additional assurance to the lender that it will not incur losses when borrowing funds. In these loan agreements, insurance plays a significant role, whether it is corporate or bank borrowing. In this paper, the subject of consideration is the role of insurance as a loan agreement in corporate lending primarily by banks. The aim of this paper is to describe the importance and role of insurance in the process of corporate lending, point out the benefits of the existence of provisions related to insurance in the loan agreement for both lender and borrower, and provide a brief overview of the use of insurance as a method of credit risk management, referring to the use of this type of agreement in Serbia as well.
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