{"?xml":{"@version":"1.0"},"edm:RDF":{"@xmlns:dc":"http://purl.org/dc/elements/1.1/","@xmlns:edm":"http://www.europeana.eu/schemas/edm/","@xmlns:wgs84_pos":"http://www.w3.org/2003/01/geo/wgs84_pos","@xmlns:foaf":"http://xmlns.com/foaf/0.1/","@xmlns:rdaGr2":"http://rdvocab.info/ElementsGr2","@xmlns:oai":"http://www.openarchives.org/OAI/2.0/","@xmlns:owl":"http://www.w3.org/2002/07/owl#","@xmlns:rdf":"http://www.w3.org/1999/02/22-rdf-syntax-ns#","@xmlns:ore":"http://www.openarchives.org/ore/terms/","@xmlns:skos":"http://www.w3.org/2004/02/skos/core#","@xmlns:dcterms":"http://purl.org/dc/terms/","edm:WebResource":[{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:DOC-JHOD2WCJ/c615a19f-82d1-468c-be9e-0ffd8ede8c79/PDF","dcterms:extent":"316 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:DOC-JHOD2WCJ/33b4a83f-c661-4b4b-8ca5-68577167671a/TEXT","dcterms:extent":"58 KB"}],"edm:TimeSpan":{"@rdf:about":"2004-2020","edm:begin":{"@xml:lang":"en","#text":"2004"},"edm:end":{"@xml:lang":"en","#text":"2020"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:DOC-JHOD2WCJ","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/URN:NBN:SI:spr-LPCMVSYN"},{"@xml:lang":"sl","#text":"IB revija (Ljubljana)"}],"dcterms:issued":"2014","dc:creator":["Jagrič, Timotej","Trefalt, Polona"],"dc:format":[{"@xml:lang":"sl","#text":"številka:1"},{"@xml:lang":"sl","#text":"letnik:48"},{"@xml:lang":"sl","#text":"str. 29-42"}],"dc:identifier":["COBISSID:11715356","ISSN:1318-2803","URN:URN:NBN:SI:doc-JHOD2WCJ"],"dc:language":"sl","dc:publisher":{"@xml:lang":"sl","#text":"Zavod Republike Slovenije za makroekonomske analize in razvoj"},"dc:subject":[{"@xml:lang":"en","#text":"corporation"},{"@xml:lang":"sl","#text":"krediti"},{"@xml:lang":"sl","#text":"kreditiranje"},{"@xml:lang":"sl","#text":"kreditno tveganje"},{"@xml:lang":"sl","#text":"napovedi"},{"@xml:lang":"sl","#text":"podjetje"},{"@xml:lang":"sl","#text":"premoženje"},{"@xml:lang":"sl","#text":"raziskave"},{"@xml:lang":"sl","#text":"stečaj"},{"@rdf:resource":"http://www.wikidata.org/entity/Q2517134"}],"dcterms:temporal":{"@rdf:resource":"2004-2020"},"dc:title":{"@xml:lang":"sl","#text":"Kreditno tveganje in finančne omejitve slovenskih podjetij|"},"dc:description":[{"@xml:lang":"sl","#text":"The higher the probability of default, the more the company is financially constrained and the lower its growth. Using bankruptcy as an indicator for a company defaulting, we identify the credit risk for Slovenian companies. Default probabilities are explained by the idiosyncrasies of the company's characteristics, as well as by macroeconomic variables. Surprisingly micro firms have a lower probability of default in comparison to larger firms. Considering that credit risk is closely related to a company's ability to obtain external funds, we explore the financial constraints faced by companies. The impact of internal funds on a company's growth decreases with the access to external funds only for larger companies. On the other hand, the dependence of micro companies on internal funds is still present, even if they gain access to external financing or have sufficient collateral to be pledged in order to obtain external financing sources"},{"@xml:lang":"sl","#text":"Višja je verjetnost stečaja podjetja, bolj je podjetje finančno omejeno, njegova rast pa je nižja. Z uporabo objektivnega kazalnika dejanskega stečaja podjetij ugotavljamo kreditno tveganje slovenskih podjetij. Verjetnost stečaja je pojasnjena z individualnimi lastnostmi podjetja in makroekonomskimi spremenljivkami. Mikro podjetja imajo presenetljivo nižjo verjetnost stečaja kakor večja. Ker je kreditno tveganje tesno povezano s sposobnostjo podjetij, da pridobijo zunanje vire, proučujemo tudi finančne omejitve podjetij. Vpliv notranjih virov na rast podjetja se z dostopanjem do zunanjih virov financiranja zniža samo pri večjih, ne pa tudi pri mikro podjetjih. Tem pri zniževanju zunanje finančne omejenosti ne pomaga niti več premoženja, primernega za zastavo"}],"edm:type":"TEXT","dc:type":[{"@xml:lang":"sl","#text":"znanstveno časopisje"},{"@xml:lang":"en","#text":"journals"},{"@rdf:resource":"http://www.wikidata.org/entity/Q361785"}]},"ore:Aggregation":{"@rdf:about":"http://www.dlib.si/?URN=URN:NBN:SI:DOC-JHOD2WCJ","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:DOC-JHOD2WCJ"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:DOC-JHOD2WCJ/c615a19f-82d1-468c-be9e-0ffd8ede8c79/PDF"},"edm:rights":{"@rdf:resource":"http://rightsstatements.org/vocab/InC/1.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:intermediateProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:dataProvider":{"@xml:lang":"sl","#text":"Urad RS za makroekonomske analize in razvoj"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:DOC-JHOD2WCJ/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:DOC-JHOD2WCJ"}}}}