{"id":6514,"date":"2020-12-21T09:12:00","date_gmt":"2020-12-21T09:12:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=6514"},"modified":"2023-01-10T07:37:45","modified_gmt":"2023-01-10T07:37:45","slug":"kaip-sumazinti-atsiskaitymu-rizika","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kaip-sumazinti-atsiskaitymu-rizika\/","title":{"rendered":"Kaip verslui suma\u017einti finansin\u0119 atsiskaitym\u0173 rizik\u0105?"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;21px|||||&#8221;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;1.4em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#000a54&#8243; header_2_font_size=&#8221;27px&#8221; header_2_line_height=&#8221;1.3em&#8221; header_3_text_color=&#8221;#000a54&#8243; header_3_font_size=&#8221;25px&#8221; header_3_line_height=&#8221;35px&#8221; header_4_text_color=&#8221;#000a54&#8243; header_4_font_size=&#8221;21px&#8221; header_4_line_height=&#8221;29px&#8221; hover_enabled=&#8221;0&#8243; sticky_enabled=&#8221;0&#8243;]<\/p>\n<h2>Preki\u0173 ar paslaug\u0173 pardav\u0117jams, siekiantiems u\u017etikrinti s\u0117kming\u0105 veikl\u0105, ypa\u010d svarbu laiku sulaukti atsiskaitym\u0173. V\u0117luojantys partneri\u0173 atsiskaitymai ar dar blogiau \u2013 neapmokamos s\u0105skaitos \u2013 vis dar yra rimta problema.<\/h2>\n<h4><strong>Ypa\u010d dabar, kai d\u0117l pandemijos poveikio kai kurie verslai vis garsiau kalba stabdantys arba atidedantys atsiskaitymus.<\/strong><\/h4>\n<p>Tad b\u016btinyb\u0117 tinkamai ir u\u017etikrintai suvaldyti finansin\u0119 rizik\u0105 yra neatsiejamas \u012fmoni\u0173 u\u017edavinys, ypa\u010d ma\u017e\u0173j\u0173, kurios siekdamos \u012fsitvirtinti rinkoje da\u017eniau priima kur kas rizikingesnius sprendimus. Alternatyvaus finansavimo bendrov\u0117s \u201eFactris\u201c Rizikos skyriaus vadovas Edmundas Volskis pataria, kaip suma\u017einti galim\u0173 praradim\u0173 rizik\u0105.<\/p>\n<p>&nbsp;<\/p>\n<h2>Ypatingas d\u0117mesys naujiems verslo partneriams<\/h2>\n<p>Kaip pastebi E. Volskis, prekybiniai kreditai vis dar yra bene populiariausia ir pigiausia kreditavimo forma tarp Lietuvos \u012fmoni\u0173. Kitaip tariant, verslininkai i\u0161 savo partneri\u0173 stengiasi gauti geriausias bendradarbiavimo s\u0105lygas, pra\u0161ydami kuo ilgesni\u0173 s\u0105skait\u0173 apmok\u0117jimo atid\u0117jim\u0173. \u0160ioje vietoje neabejotinai svarb\u0173 vaidmen\u012f u\u017eima abipusis pasitik\u0117jimas, kur\u012f formuoja ilgalaik\u0117 partneryst\u0117.<\/p>\n<p>\u201eSu ilgalaikiais partneriais \u012fmon\u0117s atstovai neretai turi ir neformali\u0173 santyki\u0173, \u017eino partnerio verslo strukt\u016br\u0105, procesus, planus bei finansin\u0119 situacij\u0105. Tokioms \u012fmon\u0117ms klientai yra link\u0119 suteikti didesnius ar lankstesnius prekinius kreditus\u201c, \u2013 sako E. Volskis.<\/p>\n<p>O pradedantiems bendradarbiavim\u0105 su naujais partneriais reik\u0117t\u0173 atkreipti kur kas rimtesn\u012f d\u0117mes\u012f \u012f galim\u0105 finansin\u0119 rizik\u0105.<\/p>\n<p>\u201eNauji partneriai paprastai vertinami per vie\u0161ai prieinamus \u0161altinius ir atsiliepimus. Kaip pastebime i\u0161 versl\u0173 praktikos, da\u017enu atveju nauji partneriai u\u017e prekes ar paslaugas turi apmok\u0117ti i\u0161ankstiniu pavedimu ir tik po keli\u0173 s\u0117kming\u0173 sandori\u0173 klientai pradeda vertinti galimyb\u0119 suteikti apmok\u0117jimo atid\u0117jim\u0105. Ta\u010diau to ne visada pakanka\u201c, \u2013 komentuoja E. Volskis.<\/p>\n<p>Anot jo, ilgiau nei trejus metus rinkoje veikian\u010dios bei didesn\u0117s \u012fmon\u0117s, kuri\u0173 pardavimai paprastai vir\u0161ija milijon\u0105 eur\u0173, neretai taiko vadinam\u0105 prekinio kredito limit\u0173 sistem\u0105, kuri apibr\u0117\u017eia maksimalius prekinius kreditus. Tokios \u012fmon\u0117s, kaip pastebi E. Volskis, paprastai jau turi blogos patirties su pirk\u0117j\u0173 nemokumu, tod\u0117l yra i\u0161mokusios rim\u010diau pasir\u016bpinti savo finansiniais srautais.<\/p>\n<p>Ta\u010diau jaunos ar ma\u017eos \u012fmon\u0117s yra linkusios prisiimti daugiau rizikos. Jos siekia didinti pardavimus, integruotis arba u\u017ekariauti rink\u0105, tod\u0117l da\u017eniau nuken\u010dia nuo nepamatuoto prekinio kredito suteikimo. Tokie verslai neretai d\u017eiaugiasi sudar\u0119 didesn\u0117s vert\u0117s kontrakt\u0105 su u\u017esakovu ir pamir\u0161ta, kad net ir \u012fvykd\u017eius u\u017esakym\u0105 yra tikimyb\u0117, jog pirk\u0117jas taps nemokus ir neatsiskaitys u\u017e suteiktas prekes ar paslaugas.<\/p>\n<p>&nbsp;<\/p>\n<h2>Rizikai suma\u017einti \u2013 i\u0161sami pa\u017eintis<\/h2>\n<p>E. Volskis, prie\u0161 sudarant preki\u0173 ar paslaug\u0173 pardavimo sutart\u012f su u\u017esakovu, pataria nepamir\u0161ti, kad visada i\u0161lieka tikimyb\u0117, jog pirk\u0117jas taps nemokus. Jei \u012fmon\u0117 neturi instrument\u0173 arba numatyt\u0173 finansini\u0173 resurs\u0173 pirkti potenciali\u0173 partneri\u0173 kreditingumo ataskait\u0173, specialistas pirmiausia pataria naudotis nemokama vie\u0161a informacija.<\/p>\n<p>Pirmiausia rekomenduotina per\u017ei\u016br\u0117ti vie\u0161us atsiliepimus apie \u012fmon\u0119, jos direktori\u0173, vadovyb\u0119, patikrinti \u012fmon\u0117s skolas valstyb\u0117s institucijoms, per\u017ei\u016br\u0117ti darbuotoj\u0173 skai\u010diaus ir pardavim\u0173 dinamik\u0105.<\/p>\n<p>\u201eDabartiniu pandemijos laikotarpiu itin reik\u0161minga suprasti, kaip buvo paveiktas b\u016bsimo galimo partnerio verslo sektorius, kaip jis adaptavo savo veikl\u0105 atsi\u017evelgdamas \u012f apribojimus, saugumo reikalavimus. 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. I\u0161siai\u0161kinti u\u017esakovo vadovo po\u017ei\u016br\u012f \u012f dividend\u0173 i\u0161mok\u0117jim\u0105 akcininkams bei akcinink\u0173 nor\u0105 remti versl\u0105 papildomais \u012fna\u0161ais kriz\u0117s metu. Jei \u012fmon\u0117je dirba finans\u0173 specialistas \u2013 galima papra\u0161yti finansini\u0173 ataskait\u0173, paskai\u010diuoti pelningumo, mokumo, nuosavo kapitalo rodiklius\u201c, \u2013 pataria specialistas.<\/p>\n<p>Taip pat b\u016btina bendrauti ir kuo geriau pa\u017einti savo b\u016bsim\u0105 partner\u012f \u2013 apsilankyti jo gamykloje, biure, sand\u0117lyje, suvokti j\u0173 parduodam\u0173 preki\u0173 ar paslaug\u0173 pozicij\u0105 rinkoje ir perspektyvas.<\/p>\n<p>Jeigu \u012fmon\u0117 visgi neturi galimybi\u0173 pati gilintis \u012f u\u017esakovo finansin\u0119 b\u016bkl\u0119, pad\u0117t\u012f rinkoje ir mokum\u0105 \u2013 galima kreiptis \u012f finans\u0173 \u012fstaig\u0105, kuri vis\u0105 \u0161\u012f darb\u0105 da\u017eniausiai atlieka nemokamai.<\/p>\n<p>\u201eDaugiausiai su prekini\u0173 kredit\u0173 finansavimu dirba alternatyv\u016bs finansuotojai, padedantys augti smulkioms ir vidutin\u0117ms \u012fmon\u0117ms. Bendravimas su finans\u0173 srities ekspertais yra ypa\u010d reikalingas, kai pardavimo suma gali tur\u0117ti lemtingos \u012ftakos \u012fmon\u0117s veiklos t\u0119stinumui\u201c, \u2013 atkreipia d\u0117mes\u012f finansini\u0173 paslaug\u0173 specialistas.<\/p>\n<p>&nbsp;<\/p>\n<h2>Kokiais atvejais naudingas draudimas?<\/h2>\n<p>E. Volskis sako, kad \u012fmon\u0117s, siekian\u010dios suma\u017einti kredito rizik\u0105, gali naudotis prekinio kredito draudimo paslauga. Pastaroji gelb\u0117ja pirk\u0117jo nemokumo atveju, kai 100 proc. s\u0105skaitos sumos i\u0161ie\u0161ko ir 90 proc. padengia kredit\u0173 draudimo bendrov\u0117.<\/p>\n<p>\u201e\u012emon\u0117s gali tiesiogiai kreiptis \u012f kredit\u0173 draudimo bendroves d\u0117l s\u0105lyg\u0173, ta\u010diau neretai draudik\u0173 nedomina ma\u017e\u0105 pajam\u0173 sraut\u0105 generuojan\u010dios \u012fmon\u0117s arba tokioms \u012fmon\u0117ms teikiama kredit\u0173 draudimo paslaugos kaina yra labai didel\u0117. Verslai, kurie nori draustis nuo pirk\u0117jo nemokumo gali tiesiogiai kreiptis ir \u012f <a href=\"https:\/\/www.factris.com\/lt\/faktoringas\/\">faktoringo<\/a> bendroves\u201c, \u2013 komentuoja E. Volskis ir pateikia pavyzd\u012f.<\/p>\n<p>Tarkim, \u012fmon\u0117 pirk\u0117jui i\u0161ra\u0161o 20 000 EUR s\u0105skait\u0105 ir suteikia 60 dien\u0173 apmok\u0117jimo atid\u0117jimo termin\u0105.<\/p>\n<ul>\n<li>Jeigu \u012fmon\u0117 nevertina kredito rizikos bei sutinka parduoti prekes u\u017esakovui nesinaudodama prekinio kredito draudimo paslauga, pirk\u0117jui tapus nemokiam \u012fmon\u0117 patiria 20 000 EUR nuostol\u012f.<\/li>\n<li>Jeigu \u012fmon\u0117 draud\u017eiasi individualiu draudimu, tokio draudimo kaina paprastai b\u016bna 0,5 proc. nuo s\u0105skaitos sumos. Tai rei\u0161kia, kad \u012fmon\u0117 sumoka 100 EUR u\u017e draudim\u0105, likusi pajam\u0173 dalis \u2013 19 900 EUR. Pirk\u0117jui tapus nemokiam draudimo bendrov\u0117 kompensuoja 90 proc. s\u0105skaitos sumos, t. y. 18 000 EUR. Vadinasi, \u012fmon\u0117 patiria 1 900 EUR nuostol\u012f. Ta\u010diau ji gauna pinigus tik su\u0117jus nemokumo terminui, tai rei\u0161kia, kad laukia vis\u0105 atid\u0117jimo termin\u0105 \u2013 60 dien\u0173. Po to dar iki trij\u0173 m\u0117nesi\u0173 laukia draudimo sprendimo d\u0117l i\u0161mokos.<\/li>\n<li>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 \u012fmonei taikoma 0,5 proc. pal\u016bkan\u0173 norma 30 dien\u0173 laikotarpiui u\u017e finansavim\u0105. Faktoringo bendrov\u0117 i\u0161 karto apmoka klientui 90 proc. s\u0105skaitos sumos, t. y. 18 000 EUR, kuriais 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. \u012emon\u0117 sumoka 40 EUR u\u017e draudim\u0105 ir moka pal\u016bkanas nuo gautos 18 000 EUR sumos. Pirk\u0117jui tapus nemokiam, \u012fmon\u0117 patiria 720 EUR pal\u016bkan\u0173 s\u0105naudas (60 dien\u0173 atid\u0117jimo terminas ir 180 dien\u0173 nemokumo periodas). Vadinasi, visos \u012fmon\u0117s s\u0105naudos sudaro 760 EUR. Draudiminio \u012fvykio atveju \u012fmonei reikia padengti pal\u016bkanas u\u017e naudojim\u0105si faktoringo paslauga, ta\u010diau 18 000 EUR versle bus naudojama nuo pirmos dienos.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; max_width=&#8221;700px&#8221; custom_padding=&#8221;2px||4px|||&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_button button_url=&#8221;\/lt\/naujienos\/&#8221; button_text=&#8221; Gr\u012f\u017eti \u012f naujien\u0173 puslap\u012f&#8221; module_class=&#8221;btn-back&#8221; _builder_version=&#8221;4.8.2&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#001194&#8243; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%2%%&#8221; button_icon_placement=&#8221;left&#8221; button_on_hover=&#8221;off&#8221; button_text_color__hover_enabled=&#8221;off|hover&#8221; custom_padding__hover_enabled=&#8221;off|desktop&#8221; custom_padding__hover=&#8221;|||59px|false|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#000A54&#8243; custom_padding=&#8221;20vh||20vh||true|false&#8221; global_module=&#8221;2087&#8243;][et_pb_row _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||true|false&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.7.6&#8243; _module_preset=&#8221;default&#8221;][et_pb_text _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;2em&#8221; header_2_font=&#8221;|700|||||||&#8221; header_2_text_color=&#8221;#ffffff&#8221; header_2_font_size=&#8221;46px&#8221; header_2_line_height=&#8221;2em&#8221; header_3_font=&#8221;|700|||||||&#8221; header_3_text_align=&#8221;center&#8221; header_3_text_color=&#8221;#ffffff&#8221; header_3_font_size=&#8221;25px&#8221; header_font_tablet=&#8221;&#8221; header_font_phone=&#8221;&#8221; header_font_last_edited=&#8221;on|desktop&#8221; header_line_height_tablet=&#8221;1.8em&#8221; header_line_height_phone=&#8221;1.4em&#8221; header_line_height_last_edited=&#8221;on|phone&#8221; header_2_font_size_tablet=&#8221;&#8221; header_2_font_size_phone=&#8221;32px&#8221; header_2_font_size_last_edited=&#8221;on|phone&#8221; header_3_font_tablet=&#8221;&#8221; header_3_font_phone=&#8221;&#8221; header_3_font_last_edited=&#8221;on|phone&#8221; header_3_line_height_tablet=&#8221;&#8221; header_3_line_height_phone=&#8221;1.8em&#8221; header_3_line_height_last_edited=&#8221;on|phone&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Papasakokite savo verslo istorij\u0105<\/h2>\n<h3 style=\"text-align: center;\">Su faktoringu skol\u0105 paverskite apyvartin\u0117mis l\u0117\u0161omis<\/h3>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;\/lt\/finansavimo-kriterijai\/&#8221; button_text=&#8221;Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;btn-tertiary-2&#8243; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; custom_button=&#8221;on&#8221; button_text_color=&#8221;#ffffff&#8221; button_bg_color=&#8221;rgba(0,0,0,0)&#8221; button_font=&#8221;||||on||||&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#ffffff&#8221; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||20px|||&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221;][\/et_pb_button][et_pb_button button_url=&#8221;https:\/\/onboarding.factris.com\/lt\/sign-up&#8221; button_text=&#8221;Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105&#8221; button_alignment=&#8221;center&#8221; _builder_version=&#8221;4.9.0&#8243; _module_preset=&#8221;default&#8221; button_icon=&#8221;%%3%%&#8221; button_icon_color=&#8221;#353540&#8243; button_on_hover=&#8221;off&#8221; custom_margin=&#8221;||18px|||&#8221; custom_padding=&#8221;10px|40px|10px|25px|true|false&#8221; custom_padding__hover_enabled=&#8221;on|hover&#8221; custom_padding__hover=&#8221;|50px|||true|false&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Preki\u0173 ar paslaug\u0173 pardav\u0117jams, siekiantiems u\u017etikrinti s\u0117kming\u0105 veikl\u0105, ypa\u010d svarbu laiku sulaukti atsiskaitym\u0173. V\u0117luojantys partneri\u0173 atsiskaitymai ar dar blogiau \u2013 neapmokamos s\u0105skaitos \u2013 vis dar yra rimta problema. Ypa\u010d dabar, kai d\u0117l pandemijos poveikio kai kurie verslai vis garsiau kalba stabdantys arba atidedantys atsiskaitymus. Tad b\u016btinyb\u0117 tinkamai ir u\u017etikrintai suvaldyti finansin\u0119 rizik\u0105 yra neatsiejamas \u012fmoni\u0173 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":21317,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\n<p><strong>Advisory board<\/strong><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Brian Reaves <\/strong>Chief Executive Officer<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Adam Posma <\/strong>Founder and Chief Product Officer of ClubCollect<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p><strong>Dr. Tom F. Lesche <\/strong>Principal at Speedinvest<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>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&amp;A transactions. 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