DECISION MODEL FOR BANK LOAN EVALUATION

Ljudje imajo želje in potrebe, zadovoljitev le-teh pa je skoraj vedno povezana s finančnimi sredstvi. Če so naše želje večje od sredstev, ki jih premore naša denarnica, potem nam ostane le ena rešitev, namreč, da si preostanek denarja izposodimo. Ko ugotovimo, kako visoko posojilo si glede na svoj prihodek sploh lahko privoščimo, je čas, da se odločimo za vrsto posojila, ki je najprimernejše za uresničitev naših želja. Že v osnovi jih namreč ločimo na kratkoročna (največ eno leto) in dolgoročna ter gotovinska in namenska. Ker večina bank ponuja kredite tako komitentom kot nekomitentom, ni nujno, da posojilo najamemo prav pri svoji banki. Tokrat bom raziskavo opravila v okviru diplomskega dela, kjer bom v nadaljevanju podrobneje predstavila kratkoročna in dolgoročna posojila, ter izbrala najprimernejšega ponudnika potrošniškega posojila med izbranimi bankami s pomočjo večparameterskega odločitvenega modela.People have desires and needs. Their satisfaction is almost always related to financial assets. If our needs are larger than assets in our wallet, then only one solution remains – to borrow the missing amount of money. When we find out how big credit on the basis of our income we can afford, it is time to decide what kind of credit is most suitable for the fulfillment of our desires. Credits are divided into short-term (max 1 year) and long-termthere are also consumer credits and dedicated credits. Since most banks offers credits to their customers as well as to non-customers, it is not necessary that we get a credit at our bank. The research will be conducted as part of a diploma-work in which short-term and long-term credits will be presented and the most suitable provider of credits for consumption will be selected on the basis of multi-parametric decision-making model