{"id":6398,"date":"2021-01-14T08:02:00","date_gmt":"2021-01-14T08:02:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6398"},"modified":"2023-01-10T07:37:31","modified_gmt":"2023-01-10T07:37:31","slug":"prekinio-kredito-draudimas-nuo-nemokumo","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/prekinio-kredito-draudimas-nuo-nemokumo\/","title":{"rendered":"Patarimai, kaip verslui apsidrausti nuo pirk\u0117j\u0173 nemokumo"},"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=”4.9.4″ _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” hover_enabled=”0″ header_4_font=”|700|||||||” sticky_enabled=”0″]<\/p>\n

Verslai, parduodantys prekes ar suteikiantys paslaugas kitiems verslams su apmok\u0117jimo termino atid\u0117jimu, niekada iki galo negali b\u016bti u\u017etikrinti, kad klientai u\u017e jas sumok\u0117s.<\/h2>\n

Tokia rizika dar labiau i\u0161auga, jei dirbama su nenuolatiniais partneriais, o duomenys apie pastar\u0173j\u0173 finansin\u0119 b\u016bkl\u0119 n\u0117ra vie\u0161ai prieinami. Dabartiniu vis dar sunkiai prognozuojamu laikotarpiu, kai d\u0117l pandemijos poveikio kai kurie verslai priversti stabdyti arba atid\u0117ti atsiskaitymus, apsidrausti nuo pirk\u0117j\u0173 nemokumo tampa dar aktualiau.<\/h4>\n

Alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c Rizikos skyriaus vadovas Edmundas Volskis sako, kad \u012fmoni\u0173 nemokumo, o kartais tiesiog ty\u010dinio vengimo atsiskaityti atvej\u0173 \u0161iuo sud\u0117tingu laikotarpiu pasitaiko da\u017eniau. Tod\u0117l apsauga nuo galimo pirk\u0117j\u0173 nemokumo tapo kur kas labiau reik\u0161minga. Jis dalinasi patarimais, kas gal\u0117t\u0173 efektyviau t\u0105 u\u017etikrinti.<\/p>\n

 <\/p>\n

I\u0161sami pa\u017eintis su klientu<\/h2>\n

Pirmiausia patariama visuomet nuodugniai ir reguliariai i\u0161nagrin\u0117ti savo klient\u0173 veiklos ir finansin\u0119 informacij\u0105. Tam galima pasitelkti vie\u0161ai prieinam\u0105 nemokam\u0105 informacij\u0105, per\u017ei\u016brint atsiliepimus apie \u012fmon\u0119, jos vadovyb\u0119, patikrinant \u012fmon\u0117s skolas valstyb\u0117s institucijoms, darbuotoj\u0173 skai\u010diaus ir pardavim\u0173 dinamik\u0105.<\/p>\n

Tiesa, dabartiniu pandemijos laikotarpiu atsirado papildom\u0173 i\u0161\u0161\u016bki\u0173, \u012f kuriuos b\u016btina atsi\u017evelgti.<\/p>\n

I\u0161siai\u0161kinkite, kaip buvo paveiktas j\u016bs\u0173 esamo ar b\u016bsimo partnerio verslo sektorius, kaip jis adaptavo savo veikl\u0105 atsi\u017evelgdamas \u012f apribojimus. Taip pat pravartu su\u017einoti, ar klientas pasinaudojo valstyb\u0117s paramos priemon\u0117mis, kokiu mastu ir tikslu parama panaudota, ar pirk\u0117jas pasiruo\u0161\u0119s kriz\u0117s valdymo plan\u0105. Papra\u0161ykite finansini\u0173 ataskait\u0173, paskai\u010diuokite pelningumo, mokumo, nuosavo kapitalo rodiklius.<\/p>\n

 <\/p>\n

Prekinio kredito draudimas \u2013 kada verta?<\/h2>\n

Jeigu \u012fmon\u0117 neturi galimybi\u0173 pati gilintis \u012f u\u017esakovo finansin\u0119 b\u016bkl\u0119, pad\u0117t\u012f rinkoje ir mokum\u0105, galima kreiptis \u012f finans\u0173 \u012fstaig\u0105, kuri vis\u0105 \u0161\u012f darb\u0105 da\u017eniausiai atlieka nemokamai.<\/p>\n

\u012emon\u0117s, siekian\u010dios suma\u017einti bet koki\u0105 galim\u0105 neatsiskaitymo rizik\u0105, gali pasinaudoti prekinio kredito draudimo paslauga. Anot jo, prekinio kredito draudimo paslauga yra aktuali bene visoms verslas-verslui (angl. business-to-business, B2B) sektoriuje veikian\u010dioms \u012fmon\u0117ms, kurios savo pirk\u0117jams i\u0161ra\u0161o s\u0105skaitas su atid\u0117tu mok\u0117jimu.<\/p>\n

Pagrindin\u0117 prekinio kredito draudimo paskirtis \u2013 pagelb\u0117ti verslui pirk\u0117jo nemokumo atveju, kai 100 proc. s\u0105skaitos sumos i\u0161ie\u0161ko ir 90 proc. padengia kredit\u0173 draudimo bendrov\u0117. \u0160iuo atveju kredit\u0173 draudikai draudimo polisu garantuoja, kad \u012fmon\u0117s pirk\u0117jui tapus nemokiu, prievol\u0117 vis tiek bus \u012fvykdyta \u2013 \u012fmon\u0117 gaus draudimo i\u0161mok\u0105, tod\u0117l nuostoli\u0173 nepatirs.<\/p>\n

Naudojantis kredito draudimo paslauga, draudimo kompanija kiekvienam pirk\u0117jui suteikia atitinkam\u0105 kredito limit\u0105. Tai rei\u0161kia, kad prekinio kredito draudimo limitas suteikiamas konkre\u010diam pirk\u0117jui. Pavyzd\u017eiui, jeigu \u012fmon\u0117 turi 5 pirk\u0117jus \u2013 kiekvienam draudimo limitas gali b\u016bti skirtingas.<\/p>\n

Draudimo bendrov\u0117s pa\u010dios vertina pirk\u0117jus ir reitinguoja juos pagal kredito rizikos lyg\u012f. \u017demesn\u0117s rizikos klas\u0117s pirk\u0117jai gali gauti didesn\u012f draudimo limit\u0105. Rizikos lygis priklauso nuo \u0161alies ir verslo sektoriaus, kuriuose veikia pirk\u0117jas, \u012fmon\u0117s dyd\u017eio, pad\u0117ties rinkoje, finansin\u0117s b\u016bkl\u0117s. Draudimo bendrov\u0117 pati atlieka vertinim\u0105.<\/p>\n

 <\/p>\n

Gelb\u0117ja ir alternatyv\u016bs finansuotojai<\/h2>\n

Reik\u0161minga atkreipti d\u0117mes\u012f, kad \u012fmon\u0117s gali tiesiogiai kreiptis \u012f kredit\u0173 draudimo bendroves d\u0117l s\u0105lyg\u0173, ta\u010diau neretai draudikai atsisako suteikti paslaug\u0105 ma\u017e\u0105 pajam\u0173 sraut\u0105 generuojan\u010dioms \u012fmon\u0117ms arba tokioms \u012fmon\u0117ms teikiama kredit\u0173 draudimo paslaugos kaina yra labai didel\u0117.<\/p>\n

Neretu atveju verslai vis dar ne\u017eino, jog apsidrausti nuo pirk\u0117jo nemokumo galima tiesiogiai kreipiantis ir \u012f faktoringo bendroves.<\/p>\n

Kaip pagrindinius prekinio kredito draudimo privalumus galima i\u0161skirti \u0161iuos:<\/strong><\/p>\n

    \n
  1. Apsauga nuo \u012fmon\u0117s kliento (pirk\u0117jo) nemokumo.<\/li>\n
  2. Nereikia gai\u0161ti laiko renkant duomenis apie klient\u0105 (pirk\u0117j\u0105) bei tikrinant jo mokum\u0105.<\/li>\n
  3. Nes\u0117km\u0117s atveju, kai klientas (pirk\u0117jas) neatsiskaito, draudikas atlieka skol\u0173 i\u0161ie\u0161kojim\u0105.<\/li>\n
  4. Padeda sutaupyti lyginant su kaina, kuri\u0105 \u012fmon\u0117 sumok\u0117t\u0173 nusprendusi draustis pati. Taip yra d\u0117l to, kad faktoringo \u012fmon\u0117s turi didesnes apyvartas, tad draudimo \u012fmon\u0117 gali pasi\u016blyti patrauklesn\u0119 kainodar\u0105.<\/li>\n
  5. Pasiskolintas l\u0117\u0161as galima naudoti nedelsiant. Jeigu \u012fmon\u0117 kreip\u0117si \u012f faktoringo bendrov\u0119 ir pasinaudojo finansavimo bei draudimo paslaugomis, tuomet kaina \u012fmonei paprastai b\u016bna nuo 0,2 proc. s\u0105skaitos sumos. Taip pat \u012fmon\u0117 papildomai moka nustatyt\u0105 pal\u016bkan\u0173 dyd\u012f u\u017e suteikt\u0105 finansavim\u0105. Faktoringo bendrov\u0117 i\u0161 karto apmoka klientui 90 proc. s\u0105skaitos sumos, kuria galima naudotis jau pirm\u0105 dien\u0105 po preki\u0173 ar paslaug\u0173 pardavimo, o likusius 10 proc., \u2013 kai s\u0105skait\u0105 apmoka u\u017esakovas.<\/li>\n<\/ol>\n

    Neretai \u012fmon\u0117ms kyla klausim\u0173, ar, norint pasinaudoti finansavimu ir draudimu, \u012f faktoringo bendrov\u0119 galima kreiptis jau surinkus reikiamus duomenis apie pirk\u0117j\u0105. Atsakymas – niekuo papildomai \u012fmonei pa\u010diai r\u016bpintis nereikia.<\/p>\n

    \u012emon\u0117 kaip klientas kreipiasi \u012f faktoringo bendrov\u0119. U\u017eklausoje pateikiamas draudimo poreikis ir pirk\u0117jo \u012fmon\u0117s rekvizitai. Faktoringo bendrov\u0117 su \u0161iais duomenimis jau gali atlikti draudimo patikr\u0105. Pirk\u0117jo \u012fmonei nieko pateikti nereikia. Tiesa, pasitaiko atvej\u0173, kai draudimo bendrov\u0117 pra\u0161o parodyti bendradarbiavimo istorij\u0105 su u\u017esakovu, t. y. istorinius pardavim\u0173 duomenis.<\/p>\n

    Prekinio draudimo paslauga negali pasinaudoti verslas-klientui (angl. business-to-consumer, B2C) segmente veikian\u010dios \u012fmon\u0117s arba \u012fmon\u0117s, kurios i\u0161ra\u0161o s\u0105skaitas be apmok\u0117jimo termino atid\u0117jimo.[\/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

    [\/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=”4.9.0″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%3%%” button_icon_color=”#ffffff” button_on_hover=”off” custom_margin=”||20px|||” custom_padding=”0px|0px|0px|0px|true|true”][\/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=”4.9.0″ _module_preset=”default” button_icon=”%%3%%” button_icon_color=”#353540″ button_on_hover=”off” custom_margin=”||18px|||” custom_padding=”10px|40px|10px|25px|true|false” 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":"

    Verslai, parduodantys prekes ar suteikiantys paslaugas kitiems verslams su apmok\u0117jimo termino atid\u0117jimu, niekada iki galo negali b\u016bti u\u017etikrinti, kad klientai u\u017e jas sumok\u0117s. Tokia rizika dar labiau i\u0161auga, jei dirbama su nenuolatiniais partneriais, o duomenys apie pastar\u0173j\u0173 finansin\u0119 b\u016bkl\u0119 n\u0117ra vie\u0161ai prieinami. Dabartiniu vis dar sunkiai prognozuojamu laikotarpiu, kai d\u0117l pandemijos poveikio kai kurie verslai […]<\/p>\n","protected":false},"author":1,"featured_media":21318,"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":"\nPatarimai SVV: kaip apsidrausti nuo pirk\u0117j\u0173 nemokumo?<\/title>\n<meta name=\"description\" content=\"D\u0117l pandemijos poveikio kai kurie verslai priversti stabdyti arba atid\u0117ti atsiskaitymus, apsidrausti nuo pirk\u0117j\u0173 nemokumo tampa aktualiau.\" \/>\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\/prekinio-kredito-draudimas-nuo-nemokumo\/\" \/>\n<meta property=\"og:locale\" content=\"lt_LT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Patarimai, kaip verslui apsidrausti nuo pirk\u0117j\u0173 nemokumo\" \/>\n<meta property=\"og:description\" content=\"D\u0117l pandemijos poveikio kai kurie verslai priversti stabdyti arba atid\u0117ti atsiskaitymus, apsidrausti nuo 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