{"id":18828,"date":"2022-09-05T14:39:18","date_gmt":"2022-09-05T14:39:18","guid":{"rendered":"https:\/\/www.factris.com\/?p=18828"},"modified":"2024-04-16T08:08:55","modified_gmt":"2024-04-16T08:08:55","slug":"kaip-patikrinti-ar-gauta-saskaita-tikra","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kaip-patikrinti-ar-gauta-saskaita-tikra\/","title":{"rendered":"\u0160. Knie\u017ea. Suk\u010diai suaktyv\u0117jo: ar gauta s\u0105skaita fakt\u016bra tikra, o u\u017esakymas nesuklastotas?"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.16″ _module_preset=”default” custom_padding=”21px|||||” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”#||divi||400″ button_icon_placement=”left” button_on_hover=”off” global_colors_info=”{}” button_text_color__hover_enabled=”off|hover” custom_padding__hover_enabled=”off|desktop” custom_padding__hover=”|||59px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” max_width=”700px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.0″ _module_preset=”default” header_line_height=”1.4em” header_2_font=”|700|||||||” header_2_text_color=”#000a54″ header_2_line_height=”1.3em” header_3_font=”|700|||||||” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_font=”|700|||||||” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ global_colors_info=”{}” header_2_font_size=”27px” sticky_enabled=”0″]<\/p>\n

Finans\u0173 institucijos turi ne tik patenkinti klient\u0173 poreikius si\u016blydamos jiems tinkamiausius finansinius sprendimus, bet ir apsaugoti juos nuo \u012fvairi\u0173 rizik\u0173 bei praradim\u0173.<\/h2>\n

Viena i\u0161 toki\u0173 \u2013 suk\u010diavimo rizika (angl. Fraud), kuri \u0161iandienin\u0117mis ekonominio neu\u017etikrintumo s\u0105lygomis ypa\u010d pada\u017en\u0117jo. Pasitaiko, kad naudodamiesi faktoringo paslauga suk\u010diauja ir pardav\u0117jas, ir pirk\u0117jas.<\/h3>\n

Pirmuoju atveju da\u017eniausias suk\u010diavimo b\u016bdas \u2013 netikr\u0173 s\u0105skait\u0173 fakt\u016br\u0173 teikimas. Klientas (pardav\u0117jas) pateikia faktoringo paslaugos teik\u0117jui suklastot\u0105 s\u0105skait\u0105 fakt\u016br\u0105, pagal kuri\u0105 i\u0161 ties\u0173 neatliko joki\u0173 paslaug\u0173 pirk\u0117jui, o faktoringo \u012fmon\u0117 j\u0105 finansuoja, t. y. pardav\u0117jui pagal j\u0105 sumoka, paprastai, 90% s\u0105skaitoje nurodytos sumos. Su\u0117jus tokios s\u0105skaitos apmok\u0117jimo terminui paai\u0161k\u0117ja, kad pirk\u0117jas apie \u0161i\u0105 s\u0105skait\u0105 fakt\u016br\u0105 nieko ne\u017eino ar net apskritai nedirba su \u0161iuo tiek\u0117ju.<\/p>\n

Kitas atvejis, kai pardav\u0117jas pateikia pirk\u0117jo kontakt\u0105, kuriuo remdamasi faktoringo \u012fmon\u0117 gauna pasira\u0161ytus dokumentus ir patvirtina s\u0105skait\u0105 fakt\u016br\u0105. Ta\u010diau galiausiai paai\u0161k\u0117ja, kad nurodytas pirk\u0117jo kontaktas netikras ir juo atsakin\u0117jo suk\u010diaujantis asmuo. Tod\u0117l b\u016btina gauti ir naudotis tik oficialiu pirk\u0117jo kontaktu i\u0161 vie\u0161\u0173 \u0161altini\u0173, o taip pat pasitvirtinti s\u0105skait\u0105 fakt\u016br\u0105 (bent pirm\u0105) oficialiu pirk\u0117jo kontaktu.<\/p>\n

Ta\u010diau dar svarbiau \u017einoti, kad pastaruoju metu ypa\u010d padaug\u0117jo atvej\u0173, kai suk\u010diauja pirk\u0117jai. Pastebima tendencija, kai tariamas pirk\u0117jas pats kreipiasi \u012f tiek\u0117j\u0105 d\u0117l preki\u0173 u\u017esakymo, bet atsisako mok\u0117ti avans\u0105 ir pra\u0161o kuo ilgesnio atid\u0117jimo termino. Tokiu atveju taip pat da\u017eniausiai pasirenkamos \u201eDDP Incoterms\u201c transportavimo s\u0105lygos (kai tiek\u0117jas yra atsakingas u\u017e preki\u0173 pristatym\u0105 ir prisiima vis\u0105 su tuo susijusi\u0105 rizik\u0105). Tokiam suk\u010diavimui kaip taisykl\u0117 trumpam laikotarpiui i\u0161sinuomojamas muitin\u0117s sand\u0117lis, \u012f kur\u012f tiek\u0117jui prista\u010dius prekes jos \u017eaibi\u0161kai i\u0161ve\u017eamos kitur be galimyb\u0117s atsekti. Tokiu b\u016bdu \u201epirk\u0117jas\u201c apgaul\u0117s b\u016bdu \u012fgyja prekes, o prisiimta rizika atitenka tiek\u0117jui arba finans\u0173 tarpininkui, jei s\u0105skaita fakt\u016bra buvo finansuota faktoringo b\u016bdu. Da\u017eniausiai tokia suk\u010diavimo schema taikoma gamybos \u012fmon\u0117ms, pvz., maisto ar medienos pramon\u0117s, u\u017esakant lengvai realizuojam\u0105 produkcij\u0105.<\/p>\n

Per pastaruosius kelis m\u0117nesius \u201eFactris\u201c atskleid\u0117 net 3 pana\u0161aus pob\u016bd\u017eio galimo suk\u010diavimo atvejus, kuriuose buvo naudojama auk\u0161\u010diau aptarta schema. Pvz., pirk\u0117jai apsimet\u0117liai, prisidengdami \u017einoma Pranc\u016bzijos ma\u017emenin\u0117s prekybos kompanija \u201eE.Leclerc\u201c ir su ja susijusiomis \u012fmon\u0117mis \u201eSynergie\u201c, \u201eSiplec\u201c bei \u201eSolormag\u201c, kontaktavo su tiek\u0117jais, pra\u0161ydami ilgo mok\u0117jimo termino. Klientui nesutikus parduoti preki\u0173 be avanso, pirk\u0117jas si\u016blydavo kreiptis \u012f faktoringo \u012fmon\u0119.<\/p>\n

Kaip pavyksta atskleisti suk\u010diavim\u0105?<\/h2>\n

Atlikus analiz\u0119 paai\u0161k\u0117jo, kad apgavik\u0173 nurodytas preki\u0173 pristatymo adresas neatitinka oficiali\u0173 pirk\u0117jo sand\u0117lio adres\u0173. Beje, kartais pateikiami tiesiog miegamojo rajono daugiabu\u010dio adresai. Da\u017enu atveju naudojami pana\u0161\u016bs (bet ne identi\u0161ki) \u012f oficialius e. pa\u0161to adresai (pirmas \u017eingsnis \u2013 atlikti paie\u0161k\u0105, ar toks adresas apskritai yra), vietoje \u012fmon\u0117s rekvizit\u0173 tiesiog \u012fklijuojama j\u0173 nuotrauka, o kontaktiniu asmeniu nurodomas auk\u0161tas pareigas u\u017eimantis darbuotojas, kuris, kaip taisykl\u0117, pats preki\u0173 ar paslaug\u0173 neu\u017esakin\u0117ja. Patikrinus nurodyt\u0105 \u201epirk\u0117jo\u201c interneto svetain\u0119 paai\u0161k\u0117davo, kad jos n\u0117ra ar ji sukurta vos prie\u0161 kelias savaites, kai tikrosios \u012fmon\u0117s dirba daugiau kaip 40 met\u0173, o j\u0173 interneto svetain\u0117s veikia apie 20 met\u0173.
Finans\u0173 \u012fmon\u0117s rimtai \u017ei\u016bri \u012f suk\u010diavimo atvejus ir turi plat\u0173 \u012franki\u0173 spektr\u0105 apsisaugoti nuo galim\u0173 pinig\u0173 praradim\u0173.<\/p>\n

Keli i\u0161 da\u017eniausiai m\u016bs\u0173 naudojam\u0173 ir nauding\u0173 metod\u0173, kuriuos galite pasitelkti ir j\u016bs:<\/strong><\/p>\n

    \n
  1. I\u0161samios informacijos apie nauj\u0105 klient\u0105 analiz\u0117 ir vie\u0161uose \u0161altiniuose, ir mokamose duomen\u0173 baz\u0117se.<\/li>\n
  2. Tik oficiali\u0173 pirk\u0117jo kontakt\u0173 naudojimas ir pirmos s\u0105skaitos fakt\u016bros verifikacija (patikrinimas) oficialiu pirk\u0117jo kontaktu.<\/li>\n
  3. \u012evertinkite, ar sandoris logi\u0161kas.<\/li>\n<\/ol>\n

    Siekiant apsisaugoti nuo galim\u0173 suk\u010diavimo atvej\u0173, klientams taip pat patariame:<\/strong><\/p>\n

    1. Pra\u0161yti avansinio mok\u0117jimo u\u017e pirm\u0105 u\u017esakym\u0105.
    2. Tikrinti pirk\u0117jo kontaktinius duomenis, ar jo nurodomas e. pa\u0161to adresas tapatus su vie\u0161ai randamais kontaktais, ar nurodytas kontaktinis asmuo tikrai dirba toje \u012fmon\u0117je.
    3. Patikrinti pristatymo adres\u0105 (taip pat ir jo vaizd\u0105 atviruose \u017eem\u0117lapiuose), ar jis susij\u0119s su pirk\u0117jo oficialiai pateikiamais pristatymo adresais, ar ten i\u0161 ties\u0173 yra sand\u0117lis, o ne kitos paskirties pastatas.
    Kvie\u010diame vie\u0161inti atskleistus suk\u010diavimo atvejus, kad drauge gal\u0117tume kuo efektyviau kovoti su suk\u010diais ir pad\u0117ti s\u0105\u017einingiems verslams i\u0161vengti j\u0173 pinkl\u0173.<\/p>\n

    Straipsnis pirm\u0105 kart\u0105 publikuotas vz.lt<\/a> portale.<\/p>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.16″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”#||divi||400″ button_icon_placement=”left” button_on_hover=”off” global_colors_info=”{}” button_text_color__hover_enabled=”off|hover” custom_padding__hover_enabled=”off|desktop” custom_padding__hover=”|||59px|false|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.24.0″ _module_preset=”default” background_color=”#000A54″ custom_padding=”||||true|false” global_module=”2087″ global_colors_info=”{}”][et_pb_row _builder_version=”4.24.0″ _module_preset=”default” custom_padding=”||||true|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.16″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#ffffff” header_line_height=”2em” header_2_font=”|700|||||||” header_2_text_color=”#ffffff” header_2_font_size=”46px” header_2_line_height=”2em” header_3_font=”|700|||||||” header_3_text_align=”center” header_3_text_color=”#ffffff” header_3_font_size=”25px” header_font_tablet=”” header_font_phone=”” header_font_last_edited=”on|desktop” header_line_height_tablet=”1.8em” header_line_height_phone=”1.4em” header_line_height_last_edited=”on|phone” header_2_font_size_tablet=”” header_2_font_size_phone=”32px” header_2_font_size_last_edited=”on|phone” header_3_font_tablet=”” header_3_font_phone=”” header_3_font_last_edited=”on|phone” header_3_line_height_tablet=”” header_3_line_height_phone=”1.8em” header_3_line_height_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

    Papasakokite savo verslo istorij\u0105<\/h2>\n

    Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n

    [\/et_pb_text][et_pb_button button_url=”\/lt\/finansavimo-kriterijai\/” button_text=”Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas” button_alignment=”center” module_class=”btn-tertiary-2″ _builder_version=”4.24.0″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”$||divi||400″ button_icon_color=”#ffffff” button_on_hover=”off” custom_margin=”||||false|false” custom_padding=”||||true|true” global_colors_info=”{}”][\/et_pb_button][et_pb_button button_url=”https:\/\/onboarding.factris.com\/lt\/sign-up” button_text=”Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105” button_alignment=”center” _builder_version=”4.24.0″ _module_preset=”default” button_icon=”$||divi||400″ button_icon_color=”#353540″ button_on_hover=”off” custom_margin=”||18px|||” custom_padding=”10px|40px|10px|28px|true|false” global_colors_info=”{}” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”|50px|||true|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    Finans\u0173 institucijos turi ne tik patenkinti klient\u0173 poreikius si\u016blydamos jiems tinkamiausius finansinius sprendimus, bet ir apsaugoti juos nuo \u012fvairi\u0173 rizik\u0173 bei praradim\u0173. Viena i\u0161 toki\u0173 \u2013 suk\u010diavimo rizika (angl. Fraud), kuri \u0161iandienin\u0117mis ekonominio neu\u017etikrintumo s\u0105lygomis ypa\u010d pada\u017en\u0117jo. Pasitaiko, kad naudodamiesi faktoringo paslauga suk\u010diauja ir pardav\u0117jas, ir pirk\u0117jas. Pirmuoju atveju da\u017eniausias suk\u010diavimo b\u016bdas \u2013 netikr\u0173 s\u0105skait\u0173 […]<\/p>\n","protected":false},"author":1,"featured_media":18831,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"\n

    Advisory board<\/strong><\/p>\n\n\n\n

    Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

    Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

    Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

    Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

    Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

    Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

    Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

    Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

    Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

    Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

    Brian Reaves <\/strong>Chief Executive Officer<\/p>\n\n\n\n

    Serial entrepreneur and investor in the mobile and payments space. Brian was involved in building 21 prior businesses including 15 mobile networks and 4 payment companies.<\/p>\n\n\n\n

    Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n\n\n\n

    Adam founded ClubCollect in 2013 - a provider of membership fee collection services for sports clubs. He started his career in wealth management at BNP Paribas.<\/p>\n\n\n\n

    Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n\n\n\n

    Tom started his career in investment banking. Most recently, he was a Vice President at Morgan Stanley in London, advising financial technology companies on a variety of capital markets and M&A transactions. At Speedinvest, he solely focuses on investments in European fintech companies.<\/p>\n\n\n\n

    Donatas Juodelis <\/strong>Founder of Debifo<\/p>\n\n\n\n

    Donatas started his career as a lawyer but quickly moved to entrepreneurship and investments. Co-founded IT company INNTEC, co-founded factoring company Debifo and a couple of other successful startups. In most of the companies, Donatas was responsible for business and corporate development.<\/p>\n\n\n\n

    Faisal Hakki <\/strong>Managing director at AB Ventures<\/p>\n\n\n\n

    Faisal is Managing Director at AB Ventures, the FinTech focused, early-stage Venture Capital arm of Arab Bank. Prior to joining AB Ventures, Faisal was CEO at Oasis500 \u2013 the leading seed-stage investment fund and accelerator in Jordan. Faisal has also held senior positions at Accelerator Technology Holdings, Arab Advisors Group and Fastlin.<\/p>\n\n\n\n

    <\/p>\n","_et_gb_content_width":"2880","footnotes":""},"categories":[36],"tags":[],"yoast_head":"\nSuk\u010diai suaktyv\u0117jo: kaip patikrinti ar gauta s\u0105skaita fakt\u016bra tikra?<\/title>\n<meta name=\"description\" content=\"Finans\u0173 institucijos turi apsaugoti klientus nuo galim\u0173 rizik\u0173, viena i\u0161 toki\u0173 - teikiam\u0173 s\u0105skait\u0173 fakt\u016br\u0173 tikrinimas.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.factris.com\/lt\/naujienos\/kaip-patikrinti-ar-gauta-saskaita-tikra\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0160. Knie\u017ea. 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