THE IMPACT OF THE EXECUTION PROCEDURE ON THE ECONOMIC STATUS OF THE NATURAL PERSON

Problem slovenskega tako poslovnega kot tudi fizičnega sveta je finančna nedisciplina. Neplačevanje je postalo v miselnosti mnogih nekaj povsem običajnega, kar vodi v začaran krog. Na gospodarstvo vpliva negativno, saj na ta način slabša stanje v državi, vendar jo je z raznimi ukrepi mogoče odpraviti ali omiliti. Odprte terjatve in težka ter dolgotrajna pot do poplačila zahtevata celosten in sistematičen pristop ljudi, ki se s tem redno ukvarjajo, posledično pa samostojna izterjava pomeni dodatne stroške in še vedno malo možnosti za poplačilo celotnega dolga. V magistrski nalogi smo predstavili celovit pregled postopkov izvršb, kot tudi zakonskih podlag za izvršbo. V skladu z nadredno EU zakonodajo smo naredili primerjalno analizo med slovensko in hrvaško zakonodajo. V nadaljevanju smo predstavili in nanizali sredstva izvršbe ter jih poglobljeno obdelali. Magistrsko delo smo nadgradili z zbranimi podatki iz prakse – tako Slovenije kot Hrvaške. Na podlagi opravljene raziskave smo ugotovili, da je hitrost postopka v izvršbi ena temeljnih predpostavk uspešnosti, saj se lahko le tako zagotovi boljša plačilna disciplina in prepreči namensko zavlačevanje postopkov. Na podlagi zgoraj zapisanega lahko sklepamo, da je tema izjemno aktualna, njeni rezultati pa bodo omogočili slovenskim kot tudi drugim udeleženim, ki še bodo ali pa so že v postopku izvršbe, razumeti sam postopek, kot tudi, kako se nanj pripraviti, da bo ta čim manj vplival na njihov ekonomski status. Ugotovljeno je prav tako, da bi ob primerni pozornosti tako Slovenija kot Hrvaška dosegali učinkovitejši vpliv postopka izvršbe na ekonomski status fizične osebe.Non-application of financial discipline poses an issue for both the business and physical world. Non-payment has turned into something completely normal in the mindset of many people, leading to a vicious circle which adversely impacts the economy and deteriorates the situation in the country. However, various mitigation or elimination measures can be applied. Outstanding claims and a lengthy and challenging path towards their recovery require a comprehensive and systematic approach by individuals regularly engaged therein. As a result, autonomous recovery results in additional expenses and is highly unlikely to allow for recovery of the entire debt. The Master’s thesis presents a comprehensive overview of enforcement proceedings and statutory bases for enforcement. Subject to the principle of supremacy of EU law, a comparative analysis of Slovenian and Croatian law has been carried out. This has been followed by a presentation and listing of enforcement remedies and an in-depth discussion thereof. The Master’s thesis has been built upon collected practical data both from Slovenia and Croatia. The performed research has shown that the speed of enforcement proceedings constitutes one of the basic premises for its success as it allows for an improvement of financial discipline and prevention of purposeful stalling of proceedings. Subject to the above, it can be concluded that it constitutes a topical subject. Its results shall facilitate comprehension of stakeholders both in Slovenia and elsewhere under enforcement proceedings at the moment or in the future of the actual proceedings and how to prepare for it to ensure a minimum impact on the economic status. It has also been found that, subject to sufficient focus, both Slovenia and Croatia could improve the effectiveness of the enforcement proceedings’ impact on the economic status of a natural person