RECEIVABLES INSURANCE AND PROCESS OF RECOVERY OVERDUE RECEIVABLES

Plačilna disciplina je vse od pojava finančne in gospodarske krize velik problem slovenskega gospodarstva, saj veliko podjetnikov obravnava plačilno nedisciplino kot povsem običajen pojav na trgu. Podjetja se lahko zaradi neporavnanih terjatev znajdejo v težavah z likvidnostjo in s tem posledično sami postanejo dolžniki, kar lahko sproži domino učinek. Zato je za uspešno poslovanje podjetja pomembno, da dobro upravlja s svojimi terjatvami. Pomembno je tudi, da se podjetniki pred sklepanjem poslov seznanijo tudi z morebitnim tveganjem in z vsemi instrumenti zavarovanja, s katerimi lahko to tveganje obvladujejo. V kolikor podjetja nimajo kvalificiranega kadra ali iz morebitnih drugih razlogov njihovo upravljanje s terjatvami ni učinkovito, lahko pomoč poiščejo pri eni izmed mnogih organizacij, katerih dejavnost je izterjava dolgov. V diplomskem delu bom predstavila vse možne instrumente zavarovanja terjatev in proces izterjave. Na primeru obravnavanega podjetja bom raziskala, kako upravljajo s terjatvami in kako plačilna nedisciplina vpliva na poslovanje podjetja. Po analizi pridobljenih podatkov bom podala morebitne predloge za izboljšanje.Payment discipline is a major concern of the Slovenian economy from the begining of financial and economic crisis. Many entrepreneurs deals with payment indiscipline as a normal phenomenon on the market. Companys could face difficulties with liquidity and became debtors themsleves, wich could trigger a domino effect. Therefore is important that company well manages with its receivables for a successful business. It is also important that the entrepreneurs are well aware od the potential risk and all possible insurances, before making business If companies don`t have qualified employee or from any other reason their receivables management isn`t effective, they can get help from one of many organizations whose activity is debt recovery. In the thesis I will present all the possible insurance instruments and the process of recovery overdue receivables. On practical case of Slovenian company I will explore how they manage their receivalbes and how payment indicsipline affect their business. After analyzing the data obtained I will give proposald for possible improvements