Banks\u27 lending activity in Slovenia and comparison to Euro area

V magistrski nalogi v krajšem uvodnem delu izpostavljamo nekatera teoretična izhodišča o kreditih, obrestnih merah, kreditnem krču ter kreditnem tveganju. V okviru pregleda kreditne aktivnosti v Sloveniji in evroobmočju analiziramo gospodarsko aktivnost ter makroekonomske značilnosti v Sloveniji in evroobmočju. Ugotavljamo, kako se je v zadnjih letih s strani gospodinjstev in podjetij spreminjalo povpraševanje po kreditih ter analiziramo spreminjanje kreditnih standardov pri posojilih gospodinjstvom in podjetjem v Sloveniji in evroobmočju. V tem poglavju nekoliko podrobneje primerjamo razpoložljiv dohodek, finančno premoženje ter zadolženost gospodinjstev in podjetij v Sloveniji in evroobmočju. Osredotočamo se na obdobje zadnjih petih let. V empiričnem delu naloge primerjamo kreditne standarde za podjetja v Sloveniji in evroobmočju, kjer predstavljamo anketo o bančnih posojilih, ki jo izvaja ECB. Poleg tega analiziramo zmanjšan obseg posojil gospodinjstev v Sloveniji, kjer predstavljamo dinamiko rasti posojil gospodinjstev ter povpraševanje gospodinjstev po posojilih v Sloveniji.We highlight some of the theoretical foundations of credit, interest rates, credit crunch and credit risk in a short introductory section of this master thesis. In the context of the review of lending activity in Slovenia and the Euro area we analyze the economic activity and macroeconomic conditions in Slovenia and the Euro area. We try to establish how the demand for credit by households and businesses has changed in recent years. In addition we tempt to analyze changes in credit standards for loans to households and businesses in Slovenia and the Euro area. That section includes the comparison of available income, assets and indebtedness of households and businesses in Slovenia and Euro area. We focus on the last five years. In the empirical part of the work we perform a comparison of credit standards for businesses in Slovenia and the Euro area, where we present a survey on bank lending, implemented by ECB. Furthermore, we analyze the Slovenian household lending volume reduction, where we present the dynamics of loan growth to households and household demand for loans in Slovenia