BANK AND VENTURE CAPITAL

Abstract

Zagotavljanje finančnih sredstev za nemoten potek poslovanja in rast podjetja je ena od bistvenih nalog podjetnika. Ko se podjetje odloči za financiranje z dolgom, so banke osnovni vir financiranja te oblike. Če podjetje ne more dobiti bančnega kredita oz. je le-ta predrag, mora poiskati druge vire financiranja za realizacijo podjetniške ideje. Tvegani kapital je oblika lastniškega financiranja, ki lahko nadomesti ali pa dopolnjuje bančni kapital ter druge oblike financiranja. Namenjen je financiranju zagona in rasti perspektivnih malih in srednjih podjetij, ki ne morejo pridobiti tradicionalnih virov financiranja. Investiranje tveganega kapitala je običajno organizirano v obliki skladov tveganega kapitala, ki zbirajo sredstva investitorjev, jih nato investirajo v obetavne podjetniške projekte, hkrati pa zagotavljajo strokovno pomoč pri upravljanju podjetja. Med pomembnejšimi investitorji v sklade tveganega kapitala so tudi banke, ki se na trgu tveganega kapitala pojavljajo kot strateški investitorji, saj si od tovrstnih naložb obetajo dolgoročne koristi. V Sloveniji je trg tveganega kapitala šele v razvoju, vendar se kažejo trendi rasti in tudi prepoznavnost tveganega kapitala kot vira financiranja podjetij se povečuje.When the company decides to finance with debt, banks are the basic source of financing for this form. If a company can not obtain a bank loan or the bank loan is too expensive, it must find another source of funding to realize the business idea. Venture capital is a form of equity financing, which may replace or complement the bank capital and other forms of financing. It aims to finance start-up and growth of promising small and medium-sized enterprises which are unable to obtain traditional funding sources. Venture capital investments are usually organized in the form of venture capital funds, which raise funds from investors and then invest in promising entrepreneurial projects and provide management expertise to the company. Among the major investors in venture capital funds are also banks, emerging as strategic investors, since such investments are promising long-term benefits. In Slovenia, the venture capital market is an evolving, but it shows trends of growth and knowledge of venture capital as a financial source for entrepreneurs, is increasing