{"id":3104,"date":"2015-05-18T10:44:00","date_gmt":"2015-05-18T10:44:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=3104"},"modified":"2023-01-10T09:59:10","modified_gmt":"2023-01-10T09:59:10","slug":"verslo-finansavimas-auga-skolinimosi-poreikis","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/verslo-finansavimas-auga-skolinimosi-poreikis\/","title":{"rendered":"Verslo finansavimo tendencijos \u2013 planuojamas skolinimosi poreikis auga"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.7.6″ _module_preset=”default” custom_padding=”21px|||||”][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%2%%” button_icon_placement=”left” button_on_hover=”off” 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=”4.7.6″ _module_preset=”default” max_width=”700px”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” header_font_size=”46px” header_line_height=”1.4em” header_2_font=”|700|||||||” header_2_text_color=”#000a54″ header_2_font_size=”27px” header_2_line_height=”1.3em” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px”]<\/p>\n

Lietuvos bankas paskelb\u0117 2015 m. vasario \u2013 kovo m\u0117n. atlikto verslo finansavimo poreikio apklausos rezultatus. \u0160ie rezultatai nuteikia optimisti\u0161kai \u2013 dauguma \u0161alies \u012fmoni\u0173 i\u0161laiko pardavim\u0173 augim\u0105, o daugiau nei pus\u0117 \u012fmoni\u0173 veikia pelningai.<\/h2>\n

Kalbant apie verslo finansavim\u0105, rezultatai dviprasmi\u0161ki \u2013 finansavimo \u0161altini\u0173 did\u0117ja ir jie tampa labiau prieinami, ta\u010diau verslui finansavimo kaina i\u0161lieka pagrindine problema.<\/p>\n

2014 m. II pusmet\u012f, palyginti su t\u0173 pa\u010di\u0173 met\u0173 I pusme\u010diu, net 55% \u012fmoni\u0173 sugeb\u0117jo padidinti pardavimo pajamas, o 20% apklaust\u0173 verslo subjekt\u0173 i\u0161laik\u0117 stabil\u0173 pardavim\u0173 lyg\u012f. Be to, net 27% vis\u0173 \u012fmoni\u0173 pavyko suma\u017einti \u012fsipareigojim\u0173 na\u0161t\u0105.<\/p>\n

2014 m. II pusmet\u012f , palyginti su I pusme\u010diu, pelningai dirban\u010di\u0173 versl\u0173 suma\u017e\u0117jo nuo 75% iki 65%. Tam \u012ftakos gal\u0117jo tur\u0117ti veiklos sezoni\u0161kumas, ta\u010diau suma\u017e\u0117j\u0119s bendrovi\u0173 pelningumas ir pelningai dirban\u010di\u0173 \u012fmoni\u0173 skai\u010dius taip gali b\u016bti ir vienas i\u0161 \u0161alies \u016bkio augimo sul\u0117t\u0117jimo signal\u0173. Daugiausiai pelningai dirban\u010di\u0173 \u012fmoni\u0173 buvo prekybos, ma\u017eiausiai \u2013 statyb\u0173 sektoriuje.<\/p>\n

Verslo augimo temp\u0105 galima vertinti pagal nauj\u0173 darbuotoj\u0173 \u012fdarbinimo rodiklius. Verslo finansavimo apklausa parod\u0117, kad 2014 m. II pusmet\u012f nauj\u0173 darbuotoj\u0173 skai\u010dius ne\u017eymiai i\u0161augo, o dauguma \u012fmoni\u0173 i\u0161laik\u0117 nepakitus\u012f darbuotoj\u0173 skai\u010di\u0173. Darbuotoj\u0173 skai\u010dius labiausiai i\u0161augo statyb\u0173 sektoriuje, o ma\u017eiausiai \u2013 prekybos sektoriuje.<\/p>\n

Nefinansin\u0117s \u012fmon\u0117s nurod\u0117, kad did\u017eiausia na\u0161ta verslui i\u0161lieka padid\u0117jusi mokes\u010di\u0173 na\u0161ta, i\u0161augusi konkurencija ir klient\u0173 tr\u016bkumas. Beveik 50% \u012fmoni\u0173 nurod\u0117, kad mokes\u010di\u0173 na\u0161ta i\u0161lieka didel\u0117, nors jos reik\u0161m\u0117 ir suma\u017e\u0117jo. Su padid\u0117jusia mokes\u010di\u0173 na\u0161ta da\u017eniausiai susiduria smulkus ir vidutinis verslas.<\/p>\n

Verslo finansavimo tyrimas atskleid\u0117, kad verslui ma\u017eiausiai sunkum\u0173 k\u0117l\u0117 padid\u0117jusios gamybos s\u0105naudos, klient\u0173 \u012fsiskolinimas ir finansavimo prieinamumas. Su finansavimo tr\u016bkumu labiausiai susid\u016br\u0117 statyb\u0173 veikl\u0105 vykdan\u010dios \u012fmon\u0117s, o ma\u017eiausiai \u2013 pramon\u0117s ir prekybos \u012fmon\u0117s.<\/p>\n

 <\/p>\n

Verslo finansavimas ir \u0161altiniai<\/strong><\/h2>\n

Lietuvoje i\u0161lieka itin didel\u0117 dalis \u012fmoni\u0173, kurios versl\u0105 finansuoja tik i\u0161 nuosavo kapitalo. Beveik 60% apklaust\u0173 \u012fmoni\u0173 verslo pl\u0117tra finansuojama tik i\u0161 nuosav\u0173 l\u0117\u0161\u0173. Kaip jau buvo ra\u0161yta ankstesniuose \u012fra\u0161uose, toks finansavimo modelis n\u0117ra pats efektyviausias, nes akcinink\u0173 pinigai yra brangiausi. Visgi, verslo finansavimo apklausos dalyviai prognozuoja, kad ateityje finansavimas i\u0161 nuosavo kapitalo tur\u0117t\u0173 ma\u017e\u0117ti.<\/p>\n

Bank\u0173 paskolos, prekybos kreditai ir i\u0161perkamoji nuoma i\u0161lieka populiariausi i\u0161or\u0117s finansavimo instrumentai. Daugiau nei 40% \u012fmoni\u0173 savo veikl\u0105 finansavo naudodamosi i\u0161perkamosios nuomos paslaugomis, kredito linija naudojosi 33%, prekybos kreditu \u2013 28%, banko paskola \u2013 27%.<\/p>\n

Daugiausiai \u012fmoni\u0173, turin\u010di\u0173 finansini\u0173 \u012fsipareigojim\u0173, buvo tarp dideli\u0173 \u012fmoni\u0173 (69%), o ma\u017eiausiai \u2013 tarp smulkaus ir vidutinio verslo (atitinkamai 32% ir 45%). Daugiau nei 66% vis\u0173 finansini\u0173 \u012fsipareigojim\u0173 buvo vykdoma \u012fkei\u010diant turt\u0105 ar suteikiant garantijas. Taigi, ma\u017eesn\u012f smulkaus ir vidutinio verslo \u012fsiskolinim\u0105 galima sieti su nedideli\u0173 \u012fmoni\u0173 nenoru ar ribotomis galimyb\u0117mis \u012fkeisti savo turt\u0105.<\/p>\n

2014 m. II pusmet\u012f net 23% teikt\u0173 pra\u0161ym\u0173 suteikti verslo finansavim\u0105 buvo atmesti, o 11% \u012fmoni\u0173 buvo suteiktos ma\u017eesn\u0117s sumos. Pagrindin\u0117 atmetimo prie\u017eastis \u2013 prasta \u012fmoni\u0173 finansin\u0117 b\u016bkl\u0117. Nors \u012fmon\u0117s nurod\u0117, kad verslo finansavimo galimyb\u0117s pager\u0117jo, ta\u010diau did\u017eiausi\u0105 nerim\u0105 verslui k\u0117l\u0117 i\u0161augusios kitos skolinimosi i\u0161laidos (pvz. sutarties mokes\u010diai, administravimo, banko paskolos gr\u0105\u017einimo grafiko keitimo ir pan.).<\/p>\n

Renkantis verslo finansavimo produkt\u0105 ir finansavimo \u012fstaig\u0105, svarbiausi veiksniai i\u0161lieka skolinimosi s\u0105lyg\u0173 palankumas, ma\u017ei paslaug\u0173 \u012fkainiai ir greitas sprendim\u0173 pri\u0117mimas.<\/p>\n

 <\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n
\u012emoni\u0173 veiklos finansavimo priemon\u0117s<\/td>\nPramon\u0117<\/td>\nStatyba<\/td>\nPrekyba<\/td>\nPaslaugos<\/td>\nMa\u017ea<\/td>\nVidutin\u0117<\/td>\nDidel\u0117<\/td>\n<\/tr>\n
Vidaus i\u0161tekliai<\/td>\n98.4<\/td>\n98.9<\/td>\n95.9<\/td>\n97<\/td>\n95.8<\/td>\n97.1<\/td>\n99.4<\/td>\n<\/tr>\n
S\u0105skaitos pereikvojimas ir kredito linijos<\/td>\n41.1<\/td>\n35.2<\/td>\n30.3<\/td>\n27.5<\/td>\n20.4<\/td>\n33.1<\/td>\n45.9<\/td>\n<\/tr>\n
Bank\u0173 paskolos<\/td>\n\n

40.3<\/p>\n<\/td>\n

27.3<\/td>\n23.8<\/td>\n20.4<\/td>\n18<\/td>\n24<\/td>\n40.9<\/td>\n<\/tr>\n
Lizingas; I\u0161perkamoji nuoma; Faktoringas<\/td>\n48.4<\/td>\n35.2<\/td>\n41.8<\/td>\n36.5<\/td>\n28.1<\/td>\n35.4<\/td>\n59.1<\/td>\n<\/tr>\n
Akcinio kapitalo didinimas<\/td>\n13.7<\/td>\n12.5<\/td>\n13.9<\/td>\n4.8<\/td>\n10.8<\/td>\n9.7<\/td>\n11.3<\/td>\n<\/tr>\n
Skolos vertybini\u0173 popieri\u0173 emisija<\/td>\n7.3<\/td>\n6.8<\/td>\n5.7<\/td>\n3.6<\/td>\n6.4<\/td>\n6<\/td>\n6.3<\/td>\n<\/tr>\n
Europos S\u0105jungos fond\u0173 l\u0117\u0161os<\/td>\n30.6<\/td>\n11.4<\/td>\n6.6<\/td>\n16.8<\/td>\n11.4<\/td>\n14.3<\/td>\n25.2<\/td>\n<\/tr>\n
Prekybos kreditai<\/td>\n33.9<\/td>\n36.4<\/td>\n33.6<\/td>\n15<\/td>\n24.6<\/td>\n24.6<\/td>\n35.2<\/td>\n<\/tr>\n
Valstyb\u0117s ar savivaldyb\u0117s finansin\u0117 parama<\/td>\n18.5<\/td>\n12.5<\/td>\n9<\/td>\n12.6<\/td>\n12.6<\/td>\n12.6<\/td>\n14.5<\/td>\n<\/tr>\n
Kita<\/td>\n29<\/td>\n36.4<\/td>\n21.3<\/td>\n24<\/td>\n26.3<\/td>\n25.1<\/td>\n28.9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

<\/strong><\/h3>\n

Verslo finansavimo apklausos imties statistika:<\/strong><\/h3>\n
    \n
  • Verslo finansavimo apklausoje dalyvavo 501 Lietuvoje veikianti \u012fmon\u0117<\/li>\n
  • Tyrimas ap\u0117m\u0117 tik ne finans\u0173 \u012fmones (t.y. nebuvo apklausti komerciniai bankai, kredito unijos, lizingo bendrov\u0117s ir kitos verslo finansavim\u0105 teikian\u010dios \u012fmon\u0117s)<\/li>\n
  • \u00a0\u012emon\u0117s tolygiai pasiskirst\u0117 pagal darbuotoj\u0173 skai\u010di\u0173 (167 \u012fmon\u0117s tur\u0117jo tarp 1 ir 9 darbuotoj\u0173, 175 \u012fmon\u0117se dirbo tarp 10 ir 49 darbuotoj\u0173 ir 159 \u012fmon\u0117s buvo \u012fdarbinusios vir\u0161 50 darbuotoj\u0173).<\/li>\n
  • \u012emoni\u0173 am\u017eiaus vidurkis \u2013 14 met\u0173<\/li>\n
  • 88% apklaust\u0173 \u012fmoni\u0173 veik\u0117 kaip akcin\u0117s arba u\u017edarosios akcin\u0117s bendrov\u0117s<\/li>\n
  • 191 \u012fmon\u0117s veik\u0117 Vilniaus srityje, 129 \u012fmon\u0117s Kauno srityje<\/li>\n
  • 167 \u012fmon\u0117s veik\u0117 paslaug\u0173 sektoriuje, 124 pramon\u0117s \u012fmon\u0117s, 122 prekybin\u0117s \u012fmon\u0117s ir 88 statyb\u0173 \u012fmon\u0117s.<\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” max_width=”700px” custom_padding=”2px||4px|||”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_button button_url=”\/lt\/naujienos\/” button_text=” Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f” module_class=”btn-back” _builder_version=”4.8.2″ _module_preset=”default” custom_button=”on” button_text_color=”#001194″ button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%2%%” button_icon_placement=”left” button_on_hover=”off” 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=”4.7.6″ _module_preset=”default” background_color=”#000A54″ custom_padding=”20vh||20vh||true|false” global_module=”2087″][et_pb_row _builder_version=”4.7.6″ _module_preset=”default” custom_padding=”0px||0px||true|false”][et_pb_column type=”4_4″ _builder_version=”4.7.6″ _module_preset=”default”][et_pb_text _builder_version=”4.9.0″ _module_preset=”default” header_font=”|700|||||||” header_text_color=”#ffffff” header_font_size=”46px” 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”]<\/p>\n

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

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

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    Lietuvos bankas paskelb\u0117 2015 m. vasario \u2013 kovo m\u0117n. atlikto verslo finansavimo poreikio apklausos rezultatus. \u0160ie rezultatai nuteikia optimisti\u0161kai \u2013 dauguma \u0161alies \u012fmoni\u0173 i\u0161laiko pardavim\u0173 augim\u0105, o daugiau nei pus\u0117 \u012fmoni\u0173 veikia pelningai. Kalbant apie verslo finansavim\u0105, rezultatai dviprasmi\u0161ki \u2013 finansavimo \u0161altini\u0173 did\u0117ja ir jie tampa labiau prieinami, ta\u010diau verslui finansavimo kaina i\u0161lieka pagrindine problema. […]<\/p>\n","protected":false},"author":1,"featured_media":21204,"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

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