FINANCIAL INSTRUMENTS FOR SECURING FROM PAYMENT DEFOULT IN SLOVENIA AND FOREIGN COUNTRIES

Plačilna nedisciplina ni nov pojav, obstaja že desetletja in podjetja se z njo v sedanjosti spopadajo vse bolj in bolj. Posledice plačilne nediscipline niso samo dospele neporavnane obveznosti, dosegajo širšo raven, saj lahko povzročajo verižne reakcije, ki »potisnejo« v propad tudi nekdaj finančno zelo sposobna podjetja. Prav tako morajo podjetja zagotavljati plačilno sposobnost, da se izognejo težavam glede likvidnosti in solventnosti. V današnjih časih je informacijski razvoj zelo napredoval ter nam tako omogoča lažji dostop do potrebnih informacij, zato bi podjetja morala preveriti in izoblikovati evidenco s kom poslujejo ali bodo poslovala. Na voljo so spletne strani, ki ponujajo že izoblikovana boniteta poročila, kjer lahko preverimo ali bo naš bodoči poslovni partner dobra ali slaba stranka glede izvajanja obveznosti. Prav tako so nam na voljo instrumenti za zavarovanje, kateri preprečijo, da bi prišlo do neplačil med podjetji in jih lahko uporabimo tudi v mednarodnem poslovanju. Ker pa različna podjetja različno poslujejo in obstajajo tudi takšna, katera se ne zavarujejo pred temi tveganji, zato v njihovo pomoč obstajajo izvensodni postopki izterjave terjatev ter zakoniti postopki sodne izvršbe.Payment default and indiscipline is not a new phenomenon. It has existed for decades and companies are also confronting whit it more and more. The consequences of payment default are reaching a wider level and a chain reaction can destroy once financially viable businesses. Also, companies have to provide liquidity and solvency to avoid it. Now days, the development of internet commerce has been promoted and also allows us an easier access to needed information. Because of that companies should find out and establish a record of who are doing or will be doing business. There are also available Web sites that offer a constructed rating report, where we can check whether our prospective of business partner and if his financial business is good or bad. They are also available some instruments for insurance, which prevent payment default and can also be used in international business. However, since different companies operate differently and there are some which cannot insure against these risks, there are legal and court procedures how to recover their claims