{"id":3816,"date":"2017-03-16T13:23:00","date_gmt":"2017-03-16T13:23:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=3816"},"modified":"2024-08-28T09:15:34","modified_gmt":"2024-08-28T09:15:34","slug":"verslo-finansavimo-aplinka-lietuvoje","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/verslo-finansavimo-aplinka-lietuvoje\/","title":{"rendered":"Verslo finansavimo aplinka Lietuvoje"},"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 apklaus\u0105<\/a>, siekdamas gauti informacijos apie \u012fmoni\u0173 finansin\u0119 b\u016bkl\u0119, verslo pl\u0117tros galimybes ir\u00a0<\/span>verslo finansavimo aplink\u0105<\/a>, skolinimosi poreikius, \u012fvertinti \u012fmoni\u0173 paklausos finansiniams i\u0161tekliams bei skolinimosi i\u0161 kredito ir kit\u0173 finans\u0173 \u012fstaig\u0173 poky\u010dius.<\/h2>\n

\u0160iame straipsnyje pateikiama apklausos, atliktos 2016 m. lapkri\u010dio \u2013 gruod\u017eio m\u0117n. ap\u017evalga.<\/p>\n

Apklausoje dalyvavo 501 Lietuvoje veikianti \u012fmon\u0117. Daugiau nei du tre\u010ddalius apklausoje dalyvavusi\u0173 respondent\u0173 sudar\u0117 \u012fmon\u0117s, turin\u010dios iki 50 darbuotoj\u0173, kit\u0105 dal\u012f \u2013 tos, kuriose dirba 50 ir daugiau darbuotoj\u0173. Daugiausia \u012fmoni\u0173 \u2013 165 buvo i\u0161 paslaug\u0173 sektoriaus, i\u0161 pramon\u0117s \u2013 119, i\u0161 prekybos \u2013 126, ir i\u0161 statybos sektoriaus \u2013 91 \u012fmon\u0117. \u012emon\u0117s, turin\u010dios iki 9 darbuotoj\u0173, vadinamos ma\u017eomis \u012fmon\u0117mis, turin\u010dios 10 ir daugiau, bet ma\u017eiau negu 50 darbuotoj\u0173, \u2013 vidutin\u0117mis \u012fmon\u0117mis, o turin\u010dios 50 ir daugiau darbuotoj\u0173, \u2013 didel\u0117mis \u012fmon\u0117mis.<\/p>\n

 <\/p>\n

Verslo finansavimo\u00a0<\/strong><\/a>tyrimo rezultatai<\/strong><\/h2>\n

Taigi, vertindamos savo finansavimo poreikius, \u012fmon\u0117s da\u017eniausiai teig\u0117, jog pl\u0117trai u\u017etenka sav\u0173 i\u0161tekli\u0173 (t.y. nuosavo kapitalo). Toki\u0173 \u012fmoni\u0173 dalis sudar\u0117 51 proc. vis\u0173 apklaust\u0173 \u012fmoni\u0173. \u0160i tendencija vyrauja jau kur\u012f laik\u0105, tur\u0117t\u0173 i\u0161likti ir artimiausioje ateityje. Kitos dvi prie\u017eastys, kurias \u012fmon\u0117s pamin\u0117jo kaip svarbias ir lemian\u010dias j\u0173 sprendim\u0105 nesiskolinti, buvo i\u0161or\u0117s i\u0161tekli\u0173 kaina, bei savinink\u0173 nenoras prisiimti papildom\u0173 \u012fsipareigojim\u0173 \u2013 \u0161ias prie\u017eastis nurod\u0117 po 23 proc. respondent\u0173. Per didel\u0119 i\u0161or\u0117s i\u0161tekli\u0173 kain\u0105 kaip svarb\u0173 veiksn\u012f, lemiant\u012f vidaus i\u0161tekli\u0173 naudojim\u0105 veiklos finansavimui, da\u017eniau min\u0117jo ma\u017eos \u012fmon\u0117s. Reikia atkreipti d\u0117mes\u012f ir \u012f tai, jog \u0161io veiksnio reik\u0161m\u0117 lyginant su ankstesn\u0117s apklausos duomenimis gerokai suma\u017e\u0117jo \u2013 nuo beveik 50 proc. iki 23 proc. Vadinasi \u012fmon\u0117s finansavimo s\u0105lygos verslui ger\u0117ja, ma\u017e\u0117ja paskol\u0173 ka\u0161tai. Taip teig\u0117 ir apklaustos \u012fmon\u0117s.<\/p>\n

\"Verslo<\/p>\n

Apklaust\u0173 \u012fmoni\u0173 nuomone, skolinimosi galimyb\u0117s verslui ger\u0117jo, o bank\u0173 paskol\u0173 teikimo s\u0105lygos \u0161veln\u0117jo. Tik 32 proc. \u012fmoni\u0173 nurod\u0117, jog verslo finansavimas yra visi\u0161kai ar i\u0161 dalies apribotas, o tai yra 15 proc. punkt\u0173 ma\u017eiau nei per ankstesn\u0119 apklaus\u0105. Da\u017eniausiai taip teig\u0117 ma\u017eos \u012fmon\u0117s ir statyb\u0173 veikl\u0105 vykdan\u010dios \u012fmon\u0117s. 3 proc. vis\u0173 respondent\u0173 nurod\u0117, jog paskolos jiems yra visi\u0161kai prieinamos. Nema\u017ea dalis \u012fmoni\u0173 \u2013 39,5 proc. \u2013 negal\u0117jo \u012fvertinti paskol\u0173 prieinamumo verslui. Taigi galima teigti, jog \u0161ios \u012fmon\u0117s nesikreip\u0117 d\u0117l paskol\u0173 gavimo ir verslo pl\u0117tr\u0105 finansuoja savo i\u0161tekliais.<\/p>\n

Pastebimai suma\u017e\u0117jo \u012fmoni\u0173, teigian\u010di\u0173, kad savo \u012fsipareigojimus yra u\u017etikrinusios fizini\u0173 asmen\u0173 laidavimu (nuo 35 iki 20 proc.). Turto \u012fkeitimu (garantijomis) paskolas yra u\u017etikrin\u0119 beveik 68 proc. \u012fmoni\u0173.<\/p>\n

Vertinant \u012fsipareigojim\u0173 kredito \u012fstaigoms turin\u010dias \u012fmones ir j\u0173 finansavim\u0105, matyti, jog daugiausia toki\u0173 \u012fsipareigojim\u0173 turi statybos ir prekybos sektoriuose veikian\u010dios \u012fmon\u0117s (atitinkamai 48,4 ir 47,6 proc.) bei didel\u0117s \u012fmon\u0117s \u2013 55,4 proc. Tuo tarpu ma\u017e\u0173 \u012fmoni\u0173, turin\u010di\u0173 \u012fsipareigojim\u0173 kredito institucijoms, dalis sudaro tik 22,3 proc.<\/p>\n

Padaug\u0117jo \u012fmoni\u0173 (nuo 49 iki 57 proc.) kurioms kredito \u012fstaigos visi\u0161kai patenkino pra\u0161ymus d\u0117l naujos paskolos suteikimo ar esam\u0173 paskolos s\u0105lyg\u0173 pakeitimo. 10 proc. \u012fmoni\u0173 pra\u0161ymai suteikti paskol\u0105 ar pakeisti paskolos s\u0105lygas buvo atmesti. Da\u017eniausiai buvo nepatenkinami ma\u017e\u0173 ir vidutini\u0173 \u012fmoni\u0173 finansavimo pra\u0161ymai, o dideli\u0173 \u012fmoni\u0173 pra\u0161ym\u0173 nepatenkinta nebuvo. Pagrindin\u0117 pra\u0161ym\u0173 atmetimo prie\u017eastis buvo per dideli esami \u012fmoni\u0173 \u012fsipareigojimai (24 proc.). 41,2 proc. \u012fmoni\u0173 teig\u0117, jog i\u0161 kredito \u012fstaig\u0173 gavo nemotyvuotus atsakymus d\u0117l verslo paskolos suteikimo ar paskolos s\u0105lyg\u0173 pakeitimo. Atkreiptinas d\u0117mesys, jog suma\u017e\u0117jo bendrosios ekonomin\u0117s aplinkos svarba vertinant \u012fmoni\u0173 pra\u0161ymus d\u0117l paskol\u0173 \u2013 j\u0105, kaip pagrindin\u0119 pra\u0161ym\u0173 atmetimo prie\u017east\u012f, nurod\u0117 tik 11,8 proc. apklaust\u0173 \u012fmoni\u0173, o tai yra 30 proc. punkt\u0173 ma\u017eiau, nei toki\u0173 respondent\u0173 buvo per ankstesn\u0119 apklaus\u0105. N\u0117 vienai \u012fmonei finansavimo pra\u0161ymas nebuvo atmestas d\u0117l to, jog buvo pasi\u016blytas neperspektyvus projektas ar \u012fmon\u0117 tur\u0117jo prast\u0105 kreditavimo istorij\u0105.<\/p>\n

Vertinant ateities perspektyvas, dauguma \u012fmoni\u0173 \u2013 70,7 proc. \u2013 nurod\u0117, jog skolinimosi poreikio nebus. Kad ateityje b\u016btinyb\u0117 skolintis did\u0117s, man\u0117 tik 9 proc. apklaust\u0173 \u012fmoni\u0173, o tai yra 15 procentini\u0173 punkt\u0173 ma\u017eiau, nei pra\u0117jus\u012f pusmet\u012f. Didinti \u012fsipareigojimus da\u017eniausiai planavo vidutinio dyd\u017eio ir gamyb\u0105 vykdan\u010dios \u012fmon\u0117s, o juos ma\u017einti \u2013 didel\u0117s ir prekybos \u012fmon\u0117s.<\/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

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Lietuvos bankas reguliariai atlieka\u00a0\u012fmoni\u0173 apklaus\u0105, siekdamas gauti informacijos apie \u012fmoni\u0173 finansin\u0119 b\u016bkl\u0119, verslo pl\u0117tros galimybes ir\u00a0verslo finansavimo aplink\u0105, skolinimosi poreikius, \u012fvertinti \u012fmoni\u0173 paklausos finansiniams i\u0161tekliams bei skolinimosi i\u0161 kredito ir kit\u0173 finans\u0173 \u012fstaig\u0173 poky\u010dius. \u0160iame straipsnyje pateikiama apklausos, atliktos 2016 m. lapkri\u010dio \u2013 gruod\u017eio m\u0117n. ap\u017evalga. Apklausoje dalyvavo 501 Lietuvoje veikianti \u012fmon\u0117. Daugiau nei du […]<\/p>\n","protected":false},"author":1,"featured_media":21323,"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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