Primerjalnopravna analiza kazenske odgovornosti bankirjev za slabe kredite

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Povzetek: Slovenske banke so pri odobravanju kreditov kršile lastne interne predpise in tudi zakonske predpise. Odobravali so se krediti, čeprav je bilo znano, da bilančno stanje kreditojemalca in zavarovanje nista primerna, kreditna dokumentacija je bila pomanjkljiva, niso se upoštevala mnenja risk managerjev itd. Tudi v drugih državah po svetu se srečujejo s problemom odobravanja slabih kreditov. Ta članek želi poudariti bistvene pomanjkljivosti v slovenski zakonski ureditvi in v sklopu analize tujih pravnih redov predstaviti morebitne rešitve. Ključne besede: analiza, zloraba položaja, zloraba zaupanja, doktrina namerne slepote, slabi krediti, eventualni naklep, bančna tajnost Title: Comparative Legal Analysis of Criminal Liability of Bankers for Bad Loans Abstract: Slovenian banks broke their own internal regulations as well as legal regulations when granting credits. Loans were being approved although it was known that borrower's balance sheet and insurance were not appropriate and the credit documentation was inadequate, risk managers' opinions were not taken into account, etc. Other countries in the world as well are facing problems with bad credit approvals. The purpose of this article is to emphasize critical weaknesses in Slovenian legal regulations and introduce possible solutions by analysing foreign legal orders. Key words: analysis, abuse of power, breach of confidence, the doctrine of wilful blindness, NPLs, conditional intent, banking secrecy


 

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