{"id":3364,"date":"2016-04-25T16:15:00","date_gmt":"2016-04-25T16:15:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=3364"},"modified":"2024-08-28T09:12:43","modified_gmt":"2024-08-28T09:12:43","slug":"verslo-finansavimas-2016-m-tendencijos","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/verslo-finansavimas-2016-m-tendencijos\/","title":{"rendered":"Verslo finansavimas \u2013 2016 m. tendencijos"},"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=”4.16″ _module_preset=”default” 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” global_colors_info=”{}”]<\/p>\n

Lietuvos bankas reguliariai atlieka\u00a0\u012fmoni\u0173 apklausas, kuri\u0173 metu vertinama j\u0173 finansin\u0117 b\u016bkl\u0117, veiklos pl\u0117tros tendencijos, verslo finansavimo poreikiai ir galimyb\u0117s.<\/h2>\n

\u0160iame straipsnyje pateikiama 2016 m. vasario m\u0117n. atliktos apklausos ap\u017evalga (duomenys apie antr\u0105 2015 m. pusmet\u012f).<\/strong><\/h4>\n

Atsakymus \u012f klausimus pateik\u0117 503 Lietuvos \u012fmon\u0117s. \u0160iek tiek daugiau nei du tre\u010ddaliai apklausoje dalyvavusi\u0173 respondent\u0173 buvo ma\u017eos ir vidutin\u0117s \u012fmon\u0117s, ma\u017eiau nei tre\u010ddalis \u2013 didel\u0117s \u012fmon\u0117s, turin\u010dios daugiau nei 50 darbuotoj\u0173.<\/p>\n

Bendros verslo tendencijos atrodo teigiamai \u2013 didesn\u0117 dalis \u012fmoni\u0173 nurod\u0117 padidin\u0119 pajamas, peln\u0105 ir turim\u0105 turt\u0105. Daugiau nei trys ketvirtadaliai apklaust\u0173 \u012fmoni\u0173 nurod\u0117, kad veik\u0117 pelningai, o tai 6 proc. punktais daugiau nei buvo pirm\u0105j\u012f 2015 m. pusmet\u012f. Did\u017eiausia dalis pelningai veikusi\u0173 \u012fmoni\u0173 buvo pramon\u0117s (80,5 %), o ma\u017eiausia \u2013 paslaug\u0173 sektoriuje (72,6 %).<\/p>\n

Nors Lietuvos statistikos departamentas 2015 m. fiksavo neigiam\u0105 infliacij\u0105 (t.y. prek\u0117s, \u012feinan\u010dios \u012f standartin\u012f lietuvio vartojimo krep\u0161el\u012f atpigo), 27,6 proc. \u012fmoni\u0173 apklausos metu teig\u0117, jog kainas padidino. Beveik pus\u0117 apklaust\u0173 \u012fmoni\u0173 nurod\u0117 padidinusios atlyginimus darbuotojams. Pana\u0161i situacija tur\u0117t\u0173 i\u0161likti ir artimiausioje ateityje \u2013 \u012fmon\u0117s savo veiklos perspektyvas vertina optimisti\u0161kai, tikisi tiek vidaus paklausos augimo, tiek eksporto pl\u0117tros.<\/p>\n

 <\/p>\n

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

\u012emoni\u0173 vidiniai i\u0161tekliai (t.y. sukauptos l\u0117\u0161os ir kapitalas) i\u0161lieka populiariausia verslo finansavimo priemone, ta\u010diau tik juos naudojusi\u0173 \u012fmoni\u0173 dalis ma\u017e\u0117jo antr\u0105 pusmet\u012f i\u0161 eil\u0117s ir per metus nukrito 11,7 proc. punkto \u2013 iki 46,1 proc., o tai rodo did\u0117jant\u012f finansavimo poreik\u012f. 2015 m. antro pusme\u010dio apklausos duomenimis padid\u0117jo finansavimo \u0161altini\u0173 \u012fvairov\u0117, i\u0161augo bank\u0173 paskolomis besinaudojusi\u0173 \u012fmoni\u0173 dalis (iki 38,8 %).<\/p>\n

Nors daugiau nei pus\u0117 verslo pl\u0117tr\u0105 planuojan\u010di\u0173 \u012fmoni\u0173 nurod\u0117, kad 2016 m. pirm\u0105j\u012f pusmet\u012f vyksian\u010dios pl\u0117tros planuoja finansuoti panaudojant i\u0161or\u0117s finansavimo \u0161altinius, kartu buvo pabr\u0117\u017eiamas ir sunkus toki\u0173 verslo finansavimo priemoni\u0173 prieinamumas. Analizuojamu laikotarpiu atmest\u0173 finansavimo pra\u0161ym\u0173 arba pakeisti esam\u0173 \u012fsipareigojim\u0173 sutarties s\u0105lygas dalis buvo 11,6 proc., ir tai yra 3 procentiniais punktais daugiau lyginant su pirmuoju 2015 m. pusme\u010diu. Verslo finansavimo kaina i\u0161lieka pagrindiniu kriterijumi, ribojan\u010diu skolinim\u0105si bei daran\u010diu \u012ftak\u0105 finansavimo \u00a0\u012fstaigos pasirinkimui.<\/p>\n

Remiantis apklausos duomenimis galima teigti, jog 2015 m. antr\u0105 pusmet\u012f i\u0161augo finansavimo \u0161altini\u0173 \u012fvairov\u0117 \u2013 t.y. \u012fmon\u0117s veiklos finansavimui naudojo ne tik savo vidinius, bet ir labai daug i\u0161orini\u0173 \u0161altini\u0173. Lizingo, i\u0161perkamosios nuomos bei faktoringo paslaugomis naudojosi 40,2 procentai respondent\u0173, bank\u0173 paskolomis \u2013 38,8 proc., s\u0105skaitos pereikvojimo (angl. overdraft) ir kredito linijos paslaugomis \u2013 35,2 proc., prekybos kreditais \u2013 29 proc. Akcin\u012f kapital\u0105 didino 22,5 proc. \u012fmoni\u0173, o ketvirtadalis vis\u0173 apklaust\u0173 \u012fmoni\u0173 buvo gavusios param\u0105 i\u0161 ES strukt\u016brini\u0173 fond\u0173. 20,1 proc. \u012fmoni\u0173 naudojosi valstyb\u0117s ar savivaldyb\u0117s finansine parama, o 13,5 proc. \u012fmoni\u0173 buvo pritraukusios l\u0117\u0161\u0173 i\u0161 rizikos ir privataus kapitalo fond\u0173 bei verslo angel\u0173.<\/p>\n

Lyginant su 2015 m. pirmojo pusme\u010dio apklausos duomenimis kiekvienos priemon\u0117s dalis bendrame finansavimo priemoni\u0173 portfelyje padid\u0117jo, o bank\u0173 paskolomis besinaudojan\u010di\u0173 \u012fmoni\u0173 skai\u010dius i\u0161augo spar\u010diausiai. Daugiausia i\u0161orin\u0117mis finansavimo priemon\u0117mis naudojasi didel\u0117s \u012fmon\u0117s. Ma\u017eos ir vidutin\u0117s \u012fmon\u0117s tokiais \u0161altiniais naudojasi vis dar minimaliai ir finansuoti verslo pl\u0117tr\u0105 stengiasi vidiniais i\u0161tekliais. Pvz. banko paskolomis naudojasi 58,9 proc. vis\u0173 apklaust\u0173 dideli\u0173 \u012fmoni\u0173 ir tik 21,6 proc. ma\u017e\u0173 \u012fmoni\u0173. Atitinkamai lizingu, i\u0161perkam\u0105ja nuoma bei faktoringu naudojosi 55,2 proc. dideli\u0173 \u012fmoni\u0173 ir 24,6 proc. ma\u017e\u0173 \u012fmoni\u0173, kredito linij\u0105 tur\u0117jo 49,7 proc. dideli\u0173 \u012fmoni\u0173 ir tik 21,6 proc. ma\u017e\u0173 \u012fmoni\u0173.<\/p>\n

\u012esipareigojim\u0173 kredito \u012fstaigoms tur\u0117jo beveik pus\u0117 apklaust\u0173 \u012fmoni\u0173 (j\u0173 dalis per pusmet\u012f padid\u0117jo 1,1 procentinio punkto). Daugiausia \u012fsipareigojim\u0173 tur\u0117jo pramon\u0117s \u012fmon\u0117s (58,5 proc. vis\u0173 apklaust\u0173 pramon\u0117s \u012fmoni\u0173), ma\u017eiausiai \u2013 paslaug\u0173 veikl\u0105 vykdan\u010dios \u012fmon\u0117s (40,5 proc. apklaust\u0173 \u012fmoni\u0173). 67,1 proc. \u012fmoni\u0173 nurod\u0117, kad j\u0173 turim\u0173 \u012fsipareigojim\u0173 kredito \u012fstaigoms vykdymas u\u017etikrintas turto \u012fkeitimu arba garantijomis. Toki\u0173 \u012fmoni\u0173 dalis lyginant su pirmuoju 2015 m. pusme\u010diu suma\u017e\u0117jo 6,7 procentiniais punktais.<\/p>\n

Vertinant verslo finansavimo ir skolinimosi tendencijas 2016 m., poreikis skolintis \u0161iek tiek suma\u017e\u0117jo (nuo 18,5 proc. \u012fmoni\u0173, planavusi\u0173 skolintis 2015 m. pirmame pusmetyje, iki 14 proc. antrame pusmetyje). Skolintas l\u0117\u0161as daugiausia planuojama naudoti \u012frenginiams, ma\u0161inoms ir transporto priemon\u0117ms remontuoti ar \u012fsigyti.<\/p>\n

Su kitomis verslo finansavimo ir \u012fmoni\u0173 skolinimosi tendencij\u0173 ap\u017evalgomis galite susipa\u017einti \u010dia:<\/p>\n

Verslo finansavimo s\u0105lyg\u0173 ap\u017evalga \u2013 auga trumpalaiki\u0173 paskol\u0173 poreikis<\/a>,\u00a0Net 85% SVV reikalingas i\u0161orinis verslo finansavimas<\/a><\/p>\n

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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":"

Lietuvos bankas reguliariai atlieka\u00a0\u012fmoni\u0173 apklausas, kuri\u0173 metu vertinama j\u0173 finansin\u0117 b\u016bkl\u0117, veiklos pl\u0117tros tendencijos, verslo finansavimo poreikiai ir galimyb\u0117s. \u0160iame straipsnyje pateikiama 2016 m. vasario m\u0117n. atliktos apklausos ap\u017evalga (duomenys apie antr\u0105 2015 m. pusmet\u012f). Atsakymus \u012f klausimus pateik\u0117 503 Lietuvos \u012fmon\u0117s. \u0160iek tiek daugiau nei du tre\u010ddaliai apklausoje dalyvavusi\u0173 respondent\u0173 buvo ma\u017eos ir vidutin\u0117s […]<\/p>\n","protected":false},"author":1,"featured_media":21330,"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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