INSURANCE INSTRUMENTS IN EFFICIENT BUSINESS MANAGING OF FINANCIAL COMPANIES

POVZETEK V času, ko je potrebno še posebno pozornost nameniti tveganju finančnih poslov, je podrobno poznavanje in prava izbira zavarovalnih instrumentov lahko ključni dejavnik, ki vpliva na poslovanje družbe za financiranje. V praksi nastaja problematika predvsem na področju izpolnjevanja in podpisovanja menic, mnenje o učinkovitosti tega zavarovalnega instrumenta pa smo raziskali tako v Sloveniji kot na Hrvaškem. Diplomsko delo v prvem delu opisuje različne zavarovalne instrumente glede na njihove lastnosti in razloge za uporabo. V ospredje smo postavili zavarovalni instrument menica, ki smo ga predstavili po vrsti, načelih, unovčevanju, pomenu in predpisih, tako v Sloveniji kot na Hrvaškem. Med obema državama smo preučili sodno prakso, učinkovitost menice kot instrumenta zavarovanja pri družbah za financiranje ter opisali učinkovitost drugih zavarovalnih instrumentov. Ugotovite raziskave diplomskega dela podajamo v zaključnem delu, kjer odgovorimo na zastavljena raziskovalna vprašanja.At the time when we need to pay special attention to the risks of financial operations, detailed knowledge and the appropriate choice of insurance instruments can be key factors that affect the operations of financial companies. In practice problems arise in particularly when filling out and signing bills of exchange, therefore I have researched the opinion on the efficiency of this particular insurance instrument in Slovenia as well as in Croatia. The first part of this diploma paper describes various insurance instruments, their characteristics and use. We focused on the insurance instrument bill of exchange and presented its types, principles, redeeming, importance, and pertaining legislation in Slovenia as well as in Croatia. We studied legal practice and the efficiency of a bill of exchange as an insurance instrument for financial companies in both countries and presented the efficiency of other insurance instruments. We present the findings of the research that was the subject matter of this diploma paper in the conclusion, where we answer the initial questions