{"id":394819,"date":"2019-03-13T13:52:53","date_gmt":"2019-03-13T12:52:53","guid":{"rendered":"http:\/\/hudo.com\/si\/?p=394819"},"modified":"2019-03-13T13:52:53","modified_gmt":"2019-03-13T12:52:53","slug":"banka-slovenije-zaznala-prevare-z-verizenjem-kreditov","status":"publish","type":"post","link":"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-zaznala-prevare-z-verizenjem-kreditov\/","title":{"rendered":"Banka Slovenije zaznala prevare z veri\u017eenjem kreditov"},"content":{"rendered":"<div class=\"text\">\n<p>Nekateri kreditojemalci so tako zlorabili takrat veljavne predpise, ki so od bank zahtevali poro\u010danje o spremembi zadol\u017eenosti fizi\u010dnih oseb v sistem izmenjave informacij o zadol\u017eenosti fizi\u010dnih oseb (SISBON) v roku treh dni, so danes sporo\u010dili iz centralne banke, ki je z ugotovitvami analize \u017ee seznanila tako policijo kot poslovne banke.<\/p>\n<p>Tako so na Banki Slovenije posodobili pravila o izmenjavi informacij o zadol\u017eenosti fizi\u010dnih oseb &#8211; s 1. marcem je treba spremembe podatkov po novem poro\u010dati takoj. To je po njihovi oceni prvi korak k zmanj\u0161anju tovrstnih zlorab.<\/p>\n<p>Omenjeni \u010dasovni zamik so posamezniki izkoristili za prevaro in preslepitev bank ter na isti dan oz. v navedenem obdobju treh delovnih dni sklenili ve\u010d kreditnih poslov pri razli\u010dnih bankah. Pri tem so banko preslepili glede svojih dejanskih izdatkov in premo\u017eenjskega stanja oz. dejanske kreditne sposobnosti.<\/p>\n<p>Banka Slovenije se je za analizo anonimiziranih podatkov v SISBON odlo\u010dila zaradi suma zlorabe. &#8220;Ugotovili smo, da je v letih 2017 in 2018 pri\u0161lo do ve\u010d primerov zlorabe SISBON in s tem do prekora\u010ditve kreditne sposobnosti posameznega kreditojemalca,&#8221; so poudarili.<\/p>\n<p>Banke morajo namre\u010d v skladu z zakonom o potro\u0161ni\u0161kih kreditih pred sklenitvijo kreditne pogodbe oceniti kreditno sposobnost potro\u0161nika kreditojemalca. Del ocene kreditne sposobnosti sestavlja tudi vpogled v SISBON.<\/p>\n<p>&#8220;Na Banki Slovenije pri tem poudarjamo, da je navajanje resni\u010dnih in popolnih informacij o finan\u010dnem in premo\u017eenjskem stanju kreditojemalca obveznost kreditojemalca. Sklepanje ve\u010d kreditnih poslov pri razli\u010dnih bankah in pri tem zamol\u010danje sklenitve kreditnega posla pri drugi banki, ki \u0161e ni vpisan v SISBON, pomeni prevaro banke pri sklepanju posla in ima lahko znake kaznivega dejanja kreditojemalca,&#8221; so \u0161e navedli v Banki Slovenije.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Banka Slovenije je pri nekaterih posojilojemalcih zaznala, da so v zelo kratkem \u010dasu sklenili ve\u010d posojil pri razli\u010dnih bankah, ob tem pa to dejstvo zamol\u010dali. Kot so poudarili, celotna vrednost ne predstavlja tveganja za stabilnost finan\u010dnega sistema, gre pa za nedopustno ravnanja z znaki kaznivega dejanja, o \u010demer so obvestili tudi policijo.<\/p>\n","protected":false},"author":5,"featured_media":107067,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1179],"tags":[5912,5010,7806,1595],"source":[4511],"supertag":[7541],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Banka Slovenije zaznala prevare z veri\u017eenjem kreditov - Hudo Slovenija<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-zaznala-prevare-z-verizenjem-kreditov\/\" \/>\n<meta property=\"og:locale\" content=\"sl_SI\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banka Slovenije zaznala prevare z veri\u017eenjem kreditov - Hudo Slovenija\" \/>\n<meta property=\"og:description\" content=\"Banka Slovenije je pri nekaterih posojilojemalcih zaznala, da so v zelo kratkem \u010dasu sklenili ve\u010d posojil pri razli\u010dnih bankah, ob tem pa to dejstvo zamol\u010dali. Kot so poudarili, celotna vrednost ne predstavlja tveganja za stabilnost finan\u010dnega sistema, gre pa za nedopustno ravnanja z znaki kaznivega dejanja, o \u010demer so obvestili tudi policijo.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/hudo.com\/si\/aktualno\/banka-slovenije-zaznala-prevare-z-verizenjem-kreditov\/\" \/>\n<meta property=\"og:site_name\" content=\"Hudo Slovenija\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/hudo.si\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-13T12:52:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/hudo.com\/si\/wp-content\/uploads\/sites\/2\/2016\/08\/profimedia-0277553685.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1250\" \/>\n\t<meta property=\"og:image:height\" content=\"831\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"A. 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