Leasing or Lending in the Republic of Serbia
Lizing ili kreditiranje u Republici Srbiji
Apstrakt: Subjekti koji učestvuju u platnom prometu sa drugim subjektima, bilo da su fizička ili pravna lica, često nemaju dovoljno novčanih sredstava za realizaciju svojih projekata. Zavisno od cilja realizacije, ali i mogućnosti da dodju do tih sredstava imaju na raspolaganju nekoliko načina. U tekstu će konkretno biti obrađeni kredit i lizing. Kredit je u Republici Srbiji utemeljen od davnina, pouzdan i dobro poznat, postoji mnogo varijeteta zavisno od svrhe i namene. Noviji lizing, koji se u Srbiji javlja 1970-ih, pruža drugačije mogućnosti i neke pristupačnije opcije za razliku od kredita. Kako je kredit stariji institut u Srbiji, dostupan je u skoro svim bankama koje se bave kreditnim poslovima, dok se lizing dobija kroz specijalizovane kuće koje se bave njim. U članku, autori će pokušati da objasne i približe razlike između lizinga i kredita, koji se koristi prilikom nabavke nepokretnosti, otvaranja fabrika i pogona, radnih mašina, automobila, nabavku sredstava za rad. Polazeći od navedenog, u članku će biti objašnjen sam nastanak lizinga, kao i kredita, zatim njihov pojam, vrste i međusobna prava i obaveze korisnika u Republici Srbiji.
Abstract: The subjects participating in payment transactions with other entities, be they natural or legal persons, often do not have sufficient funds for their projects. Depending on the purpose of implementation, but also the ability to reach these funds have at their disposal a number of ways. The text will specifically be processed credit and leasing. Credit is the Republic of Serbia was founded by the ancient times, reliable and well-known, there are many varieties depending on the purpose and use. Newer leasing, which occurs in Serbia in the 1970s, offers different possibilities and some more affordable options as opposed to loans. As the senior credit institute in Serbia, is available in almost all banks engaged in credit activities, while getting the specialized leasing companies dealing him. In the article, the authors will try to explain and approach differences between leasing and credit, which is used when purchasing real estate, opening factories and plants, working machines, cars, goods for work. Proceeding from the above, the article will be discussed The creation of leasing and loans, then their concept, types and mutual rights and obligations.
srpski
2015
Ovo delo je licencirano pod uslovima licence
Creative Commons CC BY 4.0 - Creative Commons Autorstvo 4.0 International License.
http://creativecommons.org/licenses/by/4.0/legalcode
Keywords: leasing, credit, economy, banks, funds.
Ključne reči: lizing, kredit, privreda, banke, novčana sredstva.