OSIGURANJE KAO ZAJMNOVNI SPORAZUM ZA UPRAVLJANJE RIZIKOM PRILIKOM KREDITIRANJA PREDUZEĆA

Marija Đekić, Vladimir Ristanović

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 zajmnovnim 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.

Ključne reči


zajmovni sporazum, osiguranje, zajmovi, zajmodavac, zajmoprimac, upravljanje rizikom, kreditni rizik

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