{"id":4512,"date":"2018-02-27T13:03:05","date_gmt":"2018-02-27T13:03:05","guid":{"rendered":"http:\/\/www.aofi.rs\/?page_id=4512"},"modified":"2024-02-09T17:18:55","modified_gmt":"2024-02-09T17:18:55","slug":"osiguranje-potrazivanja","status":"publish","type":"page","link":"https:\/\/test1.aofi.rs\/sr\/usluge\/osiguranje-potrazivanja\/","title":{"rendered":"Osiguranje potra\u017eivanja"},"content":{"rendered":"<p>[vc_row rt_row_background_width=&#8220;fullwidth&#8220; rt_row_content_width=&#8220;default&#8220; rt_row_style=&#8220;default-style&#8220; rt_row_height=&#8220;&#8220; rt_column_gaps=&#8220;&#8220; rt_row_shadows=&#8220;&#8220; rt_row_borders=&#8220;&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;cover&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_bg_layer=&#8220;&#8220; rt_bg_video_format=&#8220;self-hosted&#8220; rt_class=&#8220;rt-1825083&#8243; rt_paddings=&#8220;5%,3%,,&#8220; rt_margins=&#8220;,,,&#8220; rt_content_margins=&#8220;,,,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,,,&#8220; rt_tablet_content_margins=&#8220;,,,&#8220; rt_sp_paddings=&#8220;3%,3%,,&#8220; rt_sp_margins=&#8220;,,,&#8220; rt_sp_content_margins=&#8220;,,,&#8220;][vc_column rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_class=&#8220;rt-2455481&#8243; rt_margins=&#8220;,&#8220; rt_paddings=&#8220;,,,&#8220; rt_wrapper_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_wrapper_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,&#8220; rt_sp_paddings=&#8220;3%,5%,,&#8220; rt_sp_wrapper_paddings=&#8220;,,,&#8220; rt_bg_color=&#8220;&#8220; rt_bg_overlay_color=&#8220;&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<h4 class=\"rt-heading style-1\" >\u0160ta obezbe\u0111uje osiguranje potra\u017eivanja?<\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t<p>Osiguranje potra\u017eivanja Vam obezbe\u0111uje sigurnost i izvesnost u naplati. U uslovima savremenog spoljnotrgovinskog poslovanja privredna dru\u0161tva su u obavljanju svojih poslova izlo\u017eena mnogobrojnim rizicima. Izvesnost da \u0107e se potra\u017eivanja po izvoznim i doma\u0107im poslovima realizovati, preduslov je za nesmetano poslovanje i planiranje, odnosno odr\u017eiv rast.<\/p>\n<p>Potra\u017eivanja su Va\u0161a imovina \u2013 ne rizikujte!<\/p>\n<p>Ako je Va\u0161 cilj pove\u0107anje konkurentnosti, ulazak na nova tr\u017ei\u0161ta i ve\u0107i broj kupaca, svojim klijentima morate ponuditi odlo\u017eene rokove pla\u0107anja.<br \/>\nALI, prodajom svojih proizvoda i\/ili usluga na odlo\u017eeno pla\u0107anje rizikujete da izgubite deo imovine i ugrozite svoje poslovanje.<br \/>\nAko je Va\u0161 cilj odgovorno poslovanje, osiguranjem potra\u017eivanja obezbe\u0111ujete sigurnost u naplati i pouzdanog partnera u upravljanju rizicima.<\/p>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8220;fullwidth&#8220; rt_row_content_width=&#8220;default&#8220; rt_row_style=&#8220;alt-style-1&#8243; rt_row_height=&#8220;&#8220; rt_column_gaps=&#8220;&#8220; rt_row_shadows=&#8220;&#8220; rt_row_borders=&#8220;&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;no-repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right center&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_bg_layer=&#8220;&#8220; rt_bg_video_format=&#8220;self-hosted&#8220; rt_row_paddings=&#8220;true&#8220; rt_bg_image=&#8220;4046&#8243; rt_padding_top=&#8220;80&#8243; rt_padding_bottom=&#8220;30&#8243; rt_class=&#8220;rt-2572925&#8243; rt_paddings=&#8220;40,40,,&#8220; rt_margins=&#8220;,,,&#8220; rt_content_margins=&#8220;,,,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,,,&#8220; rt_tablet_content_margins=&#8220;,,,&#8220; rt_sp_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,,,&#8220; rt_sp_content_margins=&#8220;,,,&#8220;][vc_column width=&#8220;1\/2&#8243; tablet_align=&#8220;center&#8220; mobile_align=&#8220;center&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_col_paddings=&#8220;true&#8220; rt_wrp_col_paddings=&#8220;false&#8220; tablet_text_align=&#8220;&#8220; mobile_text_align=&#8220;&#8220; rt_padding_top=&#8220;40&#8243; rt_padding_bottom=&#8220;40&#8243; rt_bg_color=&#8220;&#8220; rt_bg_overlay_color=&#8220;&#8220; offset=&#8220;vc_col-md-6&#8243; rt_class=&#8220;rt-5572935&#8243; rt_margins=&#8220;,&#8220; rt_paddings=&#8220;40px,40px,,&#8220; rt_wrapper_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_wrapper_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,&#8220; rt_sp_paddings=&#8220;0px,3%,,&#8220; rt_sp_wrapper_paddings=&#8220;,,,&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<h4 class=\"rt-heading style-1\" >Kako osiguranjem potra\u017eivanja obezbe\u0111ujete sigurno i stabilno poslovanje?<\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t<p>Poslovima kreditnog osiguranja se uspe\u0161no bavimo vi\u0161e od 10 godina. Na\u0161e dosada\u0161nje iskustvo je pokazalo da nema sigurnih kupaca. Kada sklopite posao sa stranim ili doma\u0107im kupcem sa odlo\u017eenim rokom pla\u0107anja, uvek postoji rizik da isporu\u010denu robu ili izvr\u0161ene usluge ne naplatite.<br \/>\nOsiguranjem potra\u017eivanja dobijate uslugu po meri Va\u0161eg poslovanja ako \u017eelite:<\/p>\n<div  class=\"bullet-list style-1  check\">\n<p>Za\u0161tititi svoje poslovanje prenosom rizika nepla\u0107anja na nas, kao Va\u0161eg osigurava\u010da<br \/>\nPonuditi kupcima odlo\u017eene rokove pla\u0107anja<br \/>\nPove\u0107ati konkurentnost<br \/>\n\u0160irenje na nova tr\u017ei\u0161ta i pove\u0107anje broja kupaca<br \/>\nRast prodaje<\/p><\/div>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][vc_column width=&#8220;1\/2&#8243; tablet_align=&#8220;center&#8220; mobile_align=&#8220;center&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_col_paddings=&#8220;true&#8220; rt_wrp_col_paddings=&#8220;false&#8220; tablet_text_align=&#8220;&#8220; mobile_text_align=&#8220;&#8220; rt_padding_top=&#8220;40&#8243; rt_padding_bottom=&#8220;40&#8243; rt_bg_color=&#8220;&#8220; rt_bg_overlay_color=&#8220;&#8220; offset=&#8220;vc_col-md-6&#8243; rt_class=&#8220;rt-3185889&#8243; rt_margins=&#8220;,&#8220; rt_paddings=&#8220;40px,40px,,&#8220; rt_wrapper_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_wrapper_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,&#8220; rt_sp_paddings=&#8220;0px,0px,,&#8220; rt_sp_wrapper_paddings=&#8220;,,,&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<h4 class=\"rt-heading style-1\" >\u0160ta dobijate osiguranjem potra\u017eivanja?<\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t\n<div  class=\"bullet-list style-1  check\">\n<p>Preventivu, u smislu analize kupaca, pokri\u0107e kupaca na svim kontinentima<br \/>\nZna\u010dajno pobolj\u0161anje konkurentnosti na osnovu prodaje na odlo\u017eeno pla\u0107anje, ni\u017eih tro\u0161kova u pore\u0111enju sa drugim sredstvima obezbe\u0111enja<br \/>\nStalni monitoring postoje\u0107ih i potencijalnih kupaca<br \/>\nMo\u017eete \u0161iriti prodaju na nova tr\u017ei\u0161ta<br \/>\nPove\u0107anje prihoda i profitabilnosti<br \/>\nSigurnost kroz prenos rizika nepla\u0107anja na osigurava\u010da, isplata \u0161tete, \u0161to ukazuje da na odgovoran na\u010din upravljate rizicima<br \/>\nPobolj\u0161anje likvidnosti<br \/>\nMo\u017eete ostvariti bolji pristup finansiranju<\/p><\/div>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8220;fullwidth&#8220; rt_row_content_width=&#8220;default&#8220; rt_row_style=&#8220;default-style&#8220; rt_row_height=&#8220;&#8220; rt_column_gaps=&#8220;&#8220; rt_row_shadows=&#8220;&#8220; rt_row_borders=&#8220;&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;cover&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_bg_layer=&#8220;&#8220; rt_bg_video_format=&#8220;self-hosted&#8220; rt_class=&#8220;rt-3451365&#8243; rt_paddings=&#8220;5%,2%,,&#8220; rt_margins=&#8220;,,,&#8220; rt_content_margins=&#8220;,,,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,,,&#8220; rt_tablet_content_margins=&#8220;,,,&#8220; rt_sp_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,,,&#8220; rt_sp_content_margins=&#8220;,,,&#8220;][vc_column rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_class=&#8220;rt-7026766&#8243; rt_margins=&#8220;,&#8220; rt_paddings=&#8220;,,,&#8220; rt_wrapper_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_wrapper_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,&#8220; rt_sp_paddings=&#8220;3%,,,&#8220; rt_sp_wrapper_paddings=&#8220;,,,&#8220; rt_bg_color=&#8220;&#8220; rt_bg_overlay_color=&#8220;&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<h4 class=\"rt-heading style-1\" >Ako Vam kupac ne plati, a niste osigurani, mo\u017eete li priu\u0161titi gubitak novca?<\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t<p>Nepredvi\u0111ene okolnosti i promene na tr\u017ei\u0161tu mogu \u010dak i Va\u0161e dugogodi\u0161nje kupce dovesti u situaciju da nisu u mogu\u0107nosti da izmire svoje obaveze.<br \/>\nAko poslujete uz profitnu mar\u017eu od 5% za pokri\u0107e nenepla\u0107enog potra\u017eivanja od samo 10.000 EUR morate pove\u0107ati svoj prihod za 200.000 EUR.<\/p>\n<div  class=\"bullet-list style-1  check\">\n<p>Komercijalnih rizika<br \/>\nNekomercijalnih rizika<\/p><\/div>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8220;fullwidth&#8220; rt_row_content_width=&#8220;default&#8220; rt_row_style=&#8220;default-style&#8220; rt_row_height=&#8220;&#8220; rt_column_gaps=&#8220;&#8220; rt_row_shadows=&#8220;&#8220; rt_row_borders=&#8220;&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;cover&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_bg_layer=&#8220;&#8220; rt_bg_video_format=&#8220;self-hosted&#8220; rt_class=&#8220;rt-6223885&#8243; rt_paddings=&#8220;2%,3%,,&#8220; rt_margins=&#8220;,,,&#8220; rt_content_margins=&#8220;,,,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,,,&#8220; rt_tablet_content_margins=&#8220;,,,&#8220; rt_sp_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,,,&#8220; rt_sp_content_margins=&#8220;,,,&#8220;][vc_column width=&#8220;1\/2&#8243; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<h4 class=\"rt-heading style-1\" >Osiguranje kratkoro\u010dnih potra\u017eivanja, OD KOMERCIJALNIH RIZIKA:<\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t<p>Predmet osiguranja su kratkoro\u010dna nov\u010dana potra\u017eivanja osiguranika na osnovu isporu\u010dene robe ili izvr\u0161enih usluga kupcima, koja su nastala i prijavljena u periodu va\u017eenja ugovora o osiguranju i za koja je osiguranik ispostavio fakture kupcima sa odlo\u017eenim rokom pla\u0107anja.<br \/>\nKomercijalni rizici pokriveni ovim proizvodom osiguranja su:<\/p>\n<div  class=\"bullet-list style-1  check\">\n<p>Rizik insolventnosti kupca (ste\u010daj, bankrotstvo) i<br \/>\nRizik produ\u017eenog nepla\u0107anja duga<\/p><\/div>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][vc_column width=&#8220;1\/2&#8243; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_class=&#8220;rt-7202092&#8243; rt_margins=&#8220;,&#8220; rt_paddings=&#8220;,,,&#8220; rt_wrapper_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_wrapper_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,&#8220; rt_sp_paddings=&#8220;5%,,,&#8220; rt_sp_wrapper_paddings=&#8220;,,,&#8220; rt_bg_color=&#8220;&#8220; rt_bg_overlay_color=&#8220;&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<h4 class=\"rt-heading style-1\" >Osiguranje kratkoro\u010dnih potra\u017eivanja, OD NEKOMERCIJALNIH RIZIKA:<\/h4>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t<p>AOFI ispla\u0107uje od\u0161tetu u slu\u010daju ostvarenja navedenih nekomercijalnih rizika:<\/p>\n<div  class=\"bullet-list style-1  check\">\n<p>Nepla\u0107anje duga u roku od \u0161est meseci od ugovorenog roka dospelosti ako je du\u017enik dr\u017eava, dr\u017eavna organizacija ili lice za koje garantuje dr\u017eava, odnosno dr\u017eavna organizacija<br \/>\nPoliti\u010dki doga\u0111aji u zemlji du\u017enika ili ratno stanje u dr\u017eavi \u010diji je dr\u017eavljanin du\u017enik sa drugom dr\u017eavom<br \/>\nOp\u0161ti moratorijum pla\u0107anja, nemogu\u0107nosti konverzije valute zemlje du\u017enika u konvertibilne valute ili zabrane transfera, do isteka tih zabrana<br \/>\nZabrana uvoza robe ili usluga od dr\u017eave ili dr\u017eavne organizacije kao kupca ili korisnika usluga<br \/>\nJednostrani raskid ugovora od dr\u017eave ili dr\u017eavne organizacije kao kupca ili korisnika usluga, osim kada je do jednostranog raskida do\u0161lo usled povrede carinskih ili zdravstvenih propisa dr\u017eave uvoznika, odnosno dr\u017eave korisnika usluga<br \/>\nZaplena, o\u0161te\u0107enje, zabrana raspolaganja ili uni\u0161tenje robe, u\u010dinjenih od strane dr\u017eave ili njenih institucija, od \u010dasa prelaska robe preko dr\u017eavne granice do prispe\u0107a inostranom kupcu<\/p><\/div>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8220;fullwidth&#8220; rt_row_content_width=&#8220;default&#8220; rt_row_style=&#8220;alt-style-1&#8243; rt_row_height=&#8220;&#8220; rt_column_view=&#8220;equal_heights&#8220; rt_column_gaps=&#8220;&#8220; rt_row_shadows=&#8220;&#8220; rt_row_borders=&#8220;&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;cover&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_bg_layer=&#8220;&#8220; rt_bg_video_format=&#8220;self-hosted&#8220; rt_class=&#8220;rt-2515556&#8243; rt_paddings=&#8220;60px,60px,,&#8220; rt_margins=&#8220;,,,&#8220; rt_content_margins=&#8220;,,,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,,,&#8220; rt_tablet_content_margins=&#8220;,,,&#8220; rt_sp_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,,,&#8220; rt_sp_content_margins=&#8220;,,,&#8220; rt_bg_image=&#8220;4046&#8243;][vc_column rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<a href=\"#\" target=\"_self\" title=\"\"><h4 class=\"rt-heading style-1\" >Procedura osiguranja:<\/h4><\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t<p>Izvoznik upu\u0107uje zahtev za osiguranje potra\u017eivanja i dostavlja neophodnu dokumentaciju<br \/>\nStru\u010dna slu\u017eba AOFI dostavlja izvozniku indikativnu ponudu<br \/>\nUkoliko se izvoznik slo\u017ei sa indikativnom ponudom, stru\u010dna slu\u017eba AOFI naru\u010duje bonitete za sve kupce kojima klijent daje odlo\u017eene rokove pla\u0107anja<br \/>\nStru\u010dna slu\u017eba AOFI, analizira bonitete kupaca i odre\u0111uje visine kreditnih limita<br \/>\nIzvozniku se dostavlja finalna ponuda nakon koje, ukoliko je izvoznik prihvati, sledi potpisivanje polise osiguranja<\/p>\n<p>Osiguranje potra\u017eivanja je najbolji oblik za\u0161tite u poslovnom svetu. Ostvarite sve prednosti ove usluge!<\/p>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8220;fullwidth&#8220; rt_row_content_width=&#8220;fullwidth&#8220; rt_row_style=&#8220;default-style&#8220; rt_row_height=&#8220;&#8220; rt_column_gaps=&#8220;&#8220; rt_row_shadows=&#8220;&#8220; rt_row_borders=&#8220;&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;cover&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_bg_layer=&#8220;&#8220; rt_bg_video_format=&#8220;self-hosted&#8220; rt_class=&#8220;rt-5905024&#8243; rt_paddings=&#8220;0,0,,&#8220; rt_margins=&#8220;,,,&#8220; rt_content_margins=&#8220;,,,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,,,&#8220; rt_tablet_content_margins=&#8220;,,,&#8220; rt_sp_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,,,&#8220; rt_sp_content_margins=&#8220;,,,&#8220; class=&#8220;citat&#8220;][vc_column rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_col_paddings=&#8220;true&#8220; rt_wrp_col_paddings=&#8220;false&#8220; rt_class=&#8220;rt-6211458&#8243; rt_margins=&#8220;,&#8220; rt_paddings=&#8220;0,0,0,0&#8243; rt_wrapper_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_wrapper_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,&#8220; rt_sp_paddings=&#8220;0px,0px,,&#8220; rt_sp_wrapper_paddings=&#8220;,,,&#8220; rt_bg_color=&#8220;&#8220; rt_bg_overlay_color=&#8220;&#8220;][vc_column_text]<\/p>\n<p>NOVCEM VALJA VLADATI, A NE NJEMU SLU\u017dITI<\/p>\n<p>Marko Tulije Ciceron<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row rt_row_background_width=&#8220;fullwidth&#8220; rt_row_content_width=&#8220;default&#8220; rt_row_style=&#8220;default-style&#8220; rt_row_height=&#8220;&#8220; rt_column_gaps=&#8220;&#8220; rt_row_shadows=&#8220;&#8220; rt_row_borders=&#8220;&#8220; rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;cover&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_bg_layer=&#8220;&#8220; rt_bg_video_format=&#8220;self-hosted&#8220; rt_class=&#8220;rt-2205532&#8243; rt_paddings=&#8220;40,40,,&#8220; rt_margins=&#8220;,,,&#8220; rt_content_margins=&#8220;,,,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,,,&#8220; rt_tablet_content_margins=&#8220;,,,&#8220; rt_sp_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,,,&#8220; rt_sp_content_margins=&#8220;,,,&#8220;][vc_column rt_bg_effect=&#8220;classic&#8220; rt_bg_image_repeat=&#8220;repeat&#8220; rt_bg_size=&#8220;auto auto&#8220; rt_bg_position=&#8220;right top&#8220; rt_bg_attachment=&#8220;scroll&#8220; rt_col_paddings=&#8220;true&#8220; rt_wrp_col_paddings=&#8220;false&#8220; rt_class=&#8220;rt-4527489&#8243; rt_margins=&#8220;,&#8220; rt_paddings=&#8220;40px,40px,,&#8220; rt_wrapper_paddings=&#8220;,,,&#8220; rt_tablet_margins=&#8220;,&#8220; rt_tablet_paddings=&#8220;,,,&#8220; rt_tablet_wrapper_paddings=&#8220;,,,&#8220; rt_sp_margins=&#8220;,&#8220; rt_sp_paddings=&#8220;0px,0px,,&#8220; rt_sp_wrapper_paddings=&#8220;,,,&#8220; rt_bg_color=&#8220;&#8220; rt_bg_overlay_color=&#8220;&#8220;]\r\n\t\t<article class=\"content-box content-box2 content-padding\">\r\n\t\t<div class=\"rt-heading-wrapper style-1\">\r\n\t\t\t\t\t\t<a href=\"#\" target=\"_self\" title=\"\"><h4 class=\"rt-heading style-1\" >Preuzmite dokumenta:<\/h4><\/a>\r\n\t\t\t\t\t<\/div>\r\n\t\t<div class=\"content-holder\">\r\n\t\t\t\n<div  class=\"bullet-list style-1  arrow\">\n<p>Hodogram<br \/>\nZahtev za osiguranje potra\u017eivanja<br \/>\nZahtev za kreditne limite<br \/>\nZahtev za naplatu naknade iz osiguranja<\/p><\/div>\n\r\n\t\t\t\r\n\t\t<\/div>\r\n\t\t<\/article>\r\n\t\t[\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>[vc_row rt_row_background_width=&#8220;fullwidth&#8220; 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