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Law --- Economics

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Risk in banking business can not be avoided because the latter is strongly embedded in the very nature of it and banks should therefore be aware of the importance of effective risk management, encompassing the identification, measurement and assessment of each type of risk. Risk management can be important source of gaining competitive advantage and a way to survive in the world of banking. One of the most important risk in bank is the credit risk. Credit risk can be defined as the potential that a bank borrower or counterparty will fail to meet its obligations. The goal of credit risk management is to maximise bank´s risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters. Banks need to manage the credit risk inherent in the entire portfolio as well as the risk in individual credits of transaction. Banks should also consider the relationships between credit risk and other risks. The effective management of credit risk is a comprehensive component of a comprehensive approach to risk management and essential to the long-term success of bank. Risk management is usually regulated by bank directives, prescriptions, where the most important in Slovenia is the Law about banking with under law acts.

Credit, Debt & Loans --- Finance --- Business & Economics

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Geology --- Physical geography --- Periodicals --- Mathematical geography --- Economics --- Geography --- Slovakia --- Physical geography. --- Economics. --- Geography. --- Geology. --- Periodicals.

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Geography --- Economic history --- Economic history. --- Geography. --- Since 1945 --- Cosmography --- Earth sciences --- World history --- History, Economic --- Economics

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The present book provides a concise overview of relevant studies in the field of financing sustainable development in communities, innovation and public private partnership, with special stress on analogy between smart cities and smart municipalities. The research generated till now the most the complete and entire repository of data connected to project financing in municipalities, the number and competences of clerks, innovation and public private partnership in Slovenian municipalities in years 2005 till 2012. It scopes one quarter of municipalities and one fifth of Slovenian population. In total of 200 hypotheses were tested for significance of number or shares of projects with different ways of financing with influential factors such as region, the number of clerks, the number of competent and high educated clerks, municipal experiences with public private partnership, cooperation between municipalities and experiences with innovation. The hypotheses were tested for each year. Effects of selected factors in the period often vary from year to year. We ha

Economic Theory --- Business & Economics --- municipality projects --- public private partnerskih --- sustainable development --- smart municipalities projects --- inovation