Milos Dragosavac

This paper deals with the development of rural areas in Slovenia and Serbia and gives some differences/similarities among these two countries based on perception of 492 tourism work­ers. The article making a series of proposals to guide the future research agenda. The main aim of the paper is to point out the benefits of rural tourism development and it's similarities and differences in Slovenia and Serbia. The data for this study were collected using Dwyer and Kim's (2003) Integrated Model of Destination Competitiveness to observe Slovenia's and Serbia's rural tourism differences/similarities. Determinants were assessed using a survey evaluating 24 indicators (demand and supporting factors), based upon a Likert Scale.

Steady progress of the financial and banking sector caused complex business problems. One of these problems are expressed through a number of risks that banks face in their daily operations. These banks were able to maintain their liquidity and generate strategic aim, it is relevant to implement a series of measures and techniques in terms of hedging. These risks may be numerous, whether they are caused by human factor, information technology, or even a certain market movements. Today the great focus is based on banking risks. Operational risk is a particular form of banking risk. This risk exists not only in an economic but also in a non-economic sector. As the operational risk has a constant development tendency and takes new forms, it is still very popular topic. It is one of the reasons why this risk is reviewed within this paper.

Kolateralizovane dužničke obligacije (CDOs) napravljene su 1987. godine od strane bankara iz Drexel Burnham Lambert Inc. Za deset godina CDOs su postale vodeća snaga na derivativnim kreditnim tržištima, na kojima je vrednost derivata izvedena iz vrednosti ostale imovine. Međutim, za razliku od opcija i kreditnih svopova, CDOs nisu stvarne, što znači da su konstruisane, a ponekad čak predstavljaju konstrukciju njihove konstrukcije. CDOs su napravljene da zadovolje različite tipove investitora, s jedne strane one obezbeđuju nizak rizik sa niskim prinosom, a sa druge visok rizik i visok prinos. Početkom 2007, prateći 'pucanje' balona na američkom tržištu nekretnina, gubici na tržištu CDOs su počeli da se šire. Već početkom 2008. kriza na CDO tržištu je prerasla u ono što mi danas nazivamo svetskom finansijskom krizom. CDOs su u 'srcu' krize, a čak je i šire. Ovim radom nastoji se otkriti mehanizam kolateralizovanih dužničkih obligacija (CDOs) i način na koji su CDOs proširile negativne efekte globalne finansijske krize. svetska kriza; tržište nekretnina; hipoteka; hedž fondovi