353 KB47 KB201320252016Štiblar, Franjoletnik:42številka:6/7str. 1085-1100ISSN:0353-6521COBISSID:15232593URN:URN:NBN:SI:doc-CFCCYUEMslIUS SOFTWAREPodjetje in delobančništvobankekreditikreditiranjeodgovornost(Kazenska) odgovornost bankirjev za slabe bančne kredite|Critical elements in analysing responsibility of bankers for bad bank loans are: the object (bank loan inadequately secured against non-repayment), contributing subjects (externalities, as global financial crises, decisions of central banks and governments, agents in contract), and the business act on which loan is approved and disbursed (normative act and specific conditions of credit agreement). Search for guilty person (incrimination of bad bank loan) is needed, but difficult, as is it necessary to delineate contribution of external conditions from the credit deal alone, and within the later, the business risk from criminal intent. Improvement in the efficiency of legal system in this field requires higher normative transparency, taking into account experience of other countries and intensive education of actors dealing with bad loans in legislaturePri obravnavi odgovornosti bankirjev za slabe bančne kredite so odločilni objekt, tj. slab kredit (kredit z neustreznim zavarovanjem za primer nevračila), subjekti, ki so prispevali k njegovemu nastanku (zunanje okoliščine finančne krize, odločitev centralnih bank in vlad, pogodbenika), in posel, ki ga je pravno omogočil (normativni akt in konkretna kreditna pogodba). Pri iskanju krivca (inkriminaciji slabih bančnih kreditov) je treba, čeprav je težko, ločiti prispevek zunanjih okoliščin od okoliščin podelitve kredita, pri slednjih pa poslovno tveganje od kaznivega dejanja. Večja normativna transparentnost, zgledi tuje prakse in izobraževanje bodo izboljšali učinkovitost pravosodja tudi na tem področjuTEXTznanstveno časopisjejournalsSlovenian National E-content AggregatorNational and University Library of Slovenia