{"?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-AQKHMVJU/28cfd7a3-111f-408e-9eef-4ea0bc366ee1/PDF","dcterms:extent":"203 KB"},{"@rdf:about":"http://www.dlib.si/stream/URN:NBN:SI:doc-AQKHMVJU/72664f4f-6c19-49aa-9f6e-5410aad41572/TEXT","dcterms:extent":"62 KB"}],"edm:TimeSpan":{"@rdf:about":"2013-2026","edm:begin":{"@xml:lang":"en","#text":"2013"},"edm:end":{"@xml:lang":"en","#text":"2026"}},"edm:ProvidedCHO":{"@rdf:about":"URN:NBN:SI:doc-AQKHMVJU","dcterms:isPartOf":[{"@rdf:resource":"https://www.dlib.si/details/URN:NBN:SI:spr-2XUGOISV"},{"@xml:lang":"sl","#text":"Podjetje in delo"}],"dcterms:issued":"2026","dc:creator":"Korošec, Masha","dc:format":[{"@xml:lang":"sl","#text":"številka:1"},{"@xml:lang":"sl","#text":"letnik:52"},{"@xml:lang":"sl","#text":"str. 49-70"}],"dc:identifier":["ISSN:0353-6521","COBISSID_HOST:271068675","URN:URN:NBN:SI:doc-AQKHMVJU"],"dc:language":"sl","dc:publisher":[{"@xml:lang":"sl","#text":"Gospodarski vestnik"},{"@xml:lang":"sl","#text":"Inštitut za delo pri Pravni fakulteti"},{"@xml:lang":"sl","#text":"Zveza Društev pravnikov v gospodarstvu Slovenije"}],"dc:subject":[{"@xml:lang":"en","#text":"consumer credits"},{"@xml:lang":"en","#text":"debt counselling"},{"@xml:lang":"en","#text":"debt management"},{"@xml:lang":"en","#text":"Directive (EU) 2023/2225"},{"@xml:lang":"sl","#text":"Direktiva (EU) 2023/2225"},{"@xml:lang":"sl","#text":"odgovorno kreditiranje"},{"@xml:lang":"en","#text":"over-indebtness"},{"@xml:lang":"sl","#text":"potrošniški krediti"},{"@xml:lang":"sl","#text":"prezadolženost"},{"@xml:lang":"en","#text":"responsible lending"},{"@xml:lang":"sl","#text":"svetovanje o odplačevanju dolga"},{"@xml:lang":"sl","#text":"upravljanje dolga"}],"dcterms:temporal":{"@rdf:resource":"2013-2026"},"dc:title":{"@xml:lang":"sl","#text":"Svetovanje o odplačevanju dolga v okviru potrošniških kreditnih pogodb| dobre prakse in implementacija Direktive (EU) 2023/2225 v slovenski pravni red|"},"dc:description":[{"@xml:lang":"sl","#text":"Debt counselling service constitutes a new instrument of EU consumer law introduced by Directive 2023/2225 on consumer credits. The Directive brings substantial changes to the regulation of consumer credit, in particular by establishing mechanisms of responsible lending, aiming to prevent consumer over-indebtness and to provide comprehensive assistance to the individual facing serious financial difficulties. Approaches in this fiel have so far differ among EU Member states: in some countries counselling services have been in place for many years and are publicly founded, while in many Eastern Europe countries the system remains underdeveloped. In Slovenia, debt counselling is being introduced for the first time with the new Consumer Credit Act (ZPotK-3), which establishes counseling as a public service financed from public funds. The key question, however, is whether such an approach will effectively reduce consumer over-indebtness"},{"@xml:lang":"sl","#text":"Služba za svetovanje o odplačevanju dolga je nov institut potrošniškega prava EU, ki je bil vzpostavljen na ravni EU z Direktivo (EU) 2023/2225 o potrošniških kreditih. Direktiva prinaša temeljite spremembe regulacije potrošniškega kreditiranja, predvsem v smeri zagotovitve mehanizmov odgovornega kreditiranja, s čimer si evropski zakonodajalec prizadeva preprečiti prezadolževanje potrošnikov ter jim v takšnih položajih ponuditi celostno pomoč pri odpravi finančnih težav. Ureditve tega področja so se med državami članicami EU doslej razlikovale - v nekaterih so svetovalne storitve za potrošnike že vrsto let vzpostavljene in so tudi javno financirane, medtem ko predvsem v vzhodnoevropskih državah ostaja to področje nerazvito. V Sloveniji se institut svetovanja prvič sistemsko uvaja z novim ZPotK-3, ki predvideva vzpostavitev službe za svetovanje kot javne službe, financirane iz javnih sredstev. Ključno vprašanje je, ali bo tak pristop dejansko zmanjšal prezadolženost potrošnikov"}],"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-AQKHMVJU","edm:aggregatedCHO":{"@rdf:resource":"URN:NBN:SI:doc-AQKHMVJU"},"edm:isShownBy":{"@rdf:resource":"http://www.dlib.si/stream/URN:NBN:SI:doc-AQKHMVJU/28cfd7a3-111f-408e-9eef-4ea0bc366ee1/PDF"},"edm:rights":{"@rdf:resource":"http://rightsstatements.org/vocab/InC/1.0/"},"edm:provider":"Slovenian National E-content Aggregator","edm:dataProvider":{"@xml:lang":"en","#text":"National and University Library of Slovenia"},"edm:object":{"@rdf:resource":"http://www.dlib.si/streamdb/URN:NBN:SI:doc-AQKHMVJU/maxi/edm"},"edm:isShownAt":{"@rdf:resource":"http://www.dlib.si/details/URN:NBN:SI:doc-AQKHMVJU"}}}}