RISK MANAGEMENT IN THE CONCRETE COMPANY

Diplomski seminar obravnava upravljanje in obvladovanje tveganj, predvsem finančnih. V prvem delu sem tako opredelila nekaj finančnih tveganj ter izpostavljenost podjetij finančnim tveganjem. Podjetja se lahko med drugim srečujejo z transakcijsko, translacijsko in ekonomsko izpostavljenostjo. S podrobnim poznavanjem poslovanja ter poslovnega okolja pa bi se lahko podjetja zavarovala oziroma obvladala tveganja in se tako izognila posledicam, ki jih le ta povzročajo. Skozi obdobja postaja obvladovanje tveganja sestavni del vodenja podjetij, kar omogoča stabilizacijo celotnega podjetja in hkrati dvig konkurenčnosti. Drugi del diplomskega seminarja zajema predstavitev podjetja Istrabenz d.d. ter poslovanje družb v Skupini Istrabenz. V podjetju imajo razvito kontrolinško funkcijo, kjer rezultate poslovanja primerjajo z zastavljenimi cilji ter izvajajo mesečna in kvartalna poročanja. Finančno upravljanje v podjetju pa poteka po dvotirnem sistemu, kjer imamo tri organe upravljanja: skupščino delničarjev, nadzorni svet in upravo. V zadnjih letih po mojem mnenju sistem ni deloval korektno in nadzorni organi niso delovali v skladu s svojimi funkcijami. V celotnem poslovanju podjetja med viri financiranja pomembno vlogo predstavlja tudi kredit. Pri tem pa so seveda banke tiste, ki odločajo o kreditiranju in so tako tudi same soočene z raznimi tveganji. Zaradi negotovosti, ki nastajajo pri sklepanju poslov, prisili podjetja, da premislijo o svojem zavarovanju, plačilnih pogojih in drugih dejavnikih, ki lahko vplivajo na slabo izvedbo posla in s tem posledično tudi na celotno poslovanje. Kljub temu, da podjetje ustvarja dobiček, se vsekakor srečuje z raznimi poslovnimi, finančnimi in kreditnimi tveganji, ki pa so lahko obvladljiva, če si le zanje zastavimo primerne cilje obvladovanja.The final diploma work presents management and risk management, particularly financial. In the first part, I also identified a number of financial risks and exposure to companies with financial risks. Firms may face among other things transaction, translational and economic exposore. Detailed knowledge of operations and business environment could be secured and manage the business risks and to avoid the consequences that this cause. Throughout the period of risk management is becoming an integral part of business management, which enables the stabilization of the entire company, while raising competitiveness. The second part of diploma covers the presentation of the company Istrabenz and operating companies in the Group Istrabenz. The company have developed control function where the results are compared with the business objectives and implement monthly and quarterly reporting. Financial management in the company is well on the two-tier system where there are three government bodies: general meetings, board and administration. In recent years, in my view, the system did not function correctly and supervisory authorities have not acted in accordance with their functions. Throughout the company\u27s operation between the source of funding is also an important role credit, where banks are of course those who decide on lending and are also themselves confronted with various risks. Because of the uncertainties that arise in doing business, forces companies to think about their insurance, payment conditions and other factors that may affect the performance of the transaction and consequently, also the whole business. Despite the fact that a company makes a profit, it certainly meets with various business, financial and credit risks, which may be manageable if you only seen them appropriate management objectives