LEGAL AND ECONOMIC ASPECTS OF THE LOAN

Сажетак

On the financial markets in our country is always a present of constant increase in demand in relation to the offer of credit. This indicates the growing importance of foreign loans in our economy. The degree of development of consumer credit is largely dependent on the contemporary consumer buying opportunity. Credit relations to the social reproduction are providing liquidity and continuity of production and trade, as well as more balanced commodity-monetary relations. The loan has a very important role in the creative sense and economic trends. It is therefore important the role of banks, because they appear as the creators of the loan over the amount of available savings. Since every loan lenders a certain risk for creditors, it is understandable that for an objective assessment of the risk, it is necessary to perform the analysis of revenue and expenditures, financial results and financial condition of the dynamic evaluation of long-term programs and business development opportunities provided in the future. In making a decision on the credit standing, a potential creditor may deny the requested credit if the request is not in line with the business of the applicant. In the short-term loans are loans that are usually granted in order to finance ongoing working capital needs and, above all, firms to perform the operations for the clearance of goods and supplies, and precious institutions. Long-term loans are used to finance the performance of infrastructure works, construction of factory buildings, purchase of equipment (machines) and facilities.