{"id":7118,"date":"2019-02-25T15:28:00","date_gmt":"2019-02-25T15:28:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7118"},"modified":"2023-01-10T08:38:15","modified_gmt":"2023-01-10T08:38:15","slug":"kredito-istorija-vs-dabartis","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kredito-istorija-vs-dabartis\/","title":{"rendered":"Kredito istorija vs. dabartis"},"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_font=”|700|||||||” header_3_text_color=”#000a54″ header_3_font_size=”25px” header_3_line_height=”35px” header_4_font=”|700|||||||” header_4_text_color=”#000a54″ header_4_font_size=”21px” header_4_line_height=”29px” hover_enabled=”0″ sticky_enabled=”0″]<\/p>\n

\u0160iandien skolinimasis yra nat\u016brali valstybi\u0173, verslinink\u0173 ir gyventoj\u0173 praktika, ta\u010diau nedaug kas \u017eino, kad kreditas ne visuomet buvo toks populiarus kaip dabar.<\/h2>\n

Ties\u0105 sakant, \u017emonijos istorijoje pasaulin\u0117 skola dar niekada nebuvo tokia didel\u0117. Nepaisant tokio didelio kredito paplitimo, tikimasi, kad tradicinis skolinimasis suma\u017e\u0117s, mat skaitmenin\u0117 era atveria paprastesnius, pigesnius ir saugesnius b\u016bdus verslui gauti l\u0117\u0161\u0173 nei imti kredit\u0105.<\/p>\n

Prad\u0117kime nuo trumpos \u017emonijos istorijos ap\u017evalgos. Bestselerio \u201eSapiens. Glausta \u017emonijos istorija\u201c autorius Yuval Noah Harari ra\u0161o, kad pinig\u0173 skolinimas did\u017ei\u0105j\u0105 \u017emoni\u0173 gyvavimo istorijos dal\u012f buvo ne\u012fmanomas. Autorius savo teigin\u012f iliustruoja pasitelkdamas \u012fsivaizduojamos b\u016bsimos verslinink\u0117s D\u017eein\u0117s Makdonut paveiksl\u0105. D\u017eein\u0117 nori \u012fkurti kepykl\u0117l\u0119, ta\u010diau ji neturi 1 mln. doleri\u0173, reikaling\u0173 verslui prad\u0117ti. \u0160iais laikais bankai, \u012frod\u017eius, kad pinigai bus gr\u0105\u017einti, yra link\u0119 paskolinti \u012fvairaus dyd\u017eio pinig\u0173 sum\u0105, kuri paremta vadinamu verslo planu: gaunate 1 mln. doleri\u0173 dabar, o gr\u0105\u017einate per kelerius metus i\u0161 planuojam\u0173 pajam\u0173 kartu su pal\u016bkanomis.<\/p>\n

 <\/p>\n

Rytojaus pinigai \u0161iandien<\/h2>\n

Anot Y. N. Harari, anks\u010diau toki\u0173 galimybi\u0173 nebuvo arba jos buvo itin ribotos. Daugeliu atveju pinigai buvo esamuoju laiku egzistuojan\u010di\u0173 preki\u0173 i\u0161rai\u0161ka ir, kadangi buvo sud\u0117tinga finansuoti naujai steigiamus verslus, ekonomikos augimas buvo labai l\u0117tas. Taigi, anuomet D\u017eein\u0117 neb\u016bt\u0173 gal\u0117jusi prad\u0117ti savo verslo, nes neb\u016bt\u0173 gavusi 1 mln. doleri\u0173.
\u017dmonija tokioje keblioje pad\u0117tyje buvo \u012fstrigusi t\u016bkstan\u010dius met\u0173. D\u0117l to ekonomika buvo tarsi \u012f\u0161alusi ir nekilo. Tik \u0161iuolaikin\u0117je eroje buvo atrasta nauja, i\u0161tr\u016bkti i\u0161 \u0161io li\u016bno leidusi sistema, pagr\u012fsta puosel\u0117jamomis viltimis apie s\u0117kming\u0105 ateit\u012f. Pasitelk\u0119 \u0161i\u0105 sistem\u0105 \u017emon\u0117s sutiko, kad pinigais b\u016bt\u0173 galima i\u0161reik\u0161ti ir \u012fsivaizduojamas prekes ar paslaugas, kuri\u0173 dar n\u0117ra, bet atsiras ateityje. Ta i\u0161rai\u0161ka buvo special\u016bs \u201epinigai\u201c, pavadinti kreditu.
Y. N. Harari tvirtina, kad imti ir gauti kredit\u0105 galima tik \u017einant, kad ekonomika augs. Mokama pal\u016bkan\u0173 norma reprezentuoja ekonomikos augim\u0105 nuo to momento, kai kreditas yra paimamas, iki jo gr\u0105\u017einimo. Jei pasaulin\u0117 ekonomika b\u016bt\u0173 stabili (neauganti), kredit\u0173 neb\u016bt\u0173. Taigi, kreditas yra skirtumas tarp \u0161iandienos ir rytojaus ekonomikos.<\/p>\n

 <\/p>\n

Ekonomikos augimo variklis<\/h2>\n

Kreditas \u2013 nepakartojamas i\u0161radimas ir ekonomikos augimo variklis jau nuo (apytiksliai) XVIII a. pabaigos. Nat\u016bralu, be galimyb\u0117s pasiskolinti pinig\u0173 retas verslininkas gal\u0117t\u0173 prad\u0117ti savo verslo, nebent j\u0173 jau tur\u0117t\u0173 sukaup\u0119s.
Kadaise netgi toks \u0161iandienai kasdienis daiktas kaip kreditin\u0117 kortel\u0117 buvo utopija. 1888 m. amerikie\u010di\u0173 ra\u0161ytojas Edward Bellamy novel\u0117je apie kelion\u0119 laiku \u201eLooking Backward, 2000\u20131887\u201c apra\u0161\u0117 savo \u012fsivaizduojam\u0105 kredito ir kredito korteli\u0173 koncepcij\u0105, o \u0161iandien daugiau nei 70 % amerikie\u010di\u0173 turi t\u0105 ka\u017ekada svajone laikyt\u0105 kortel\u0119. I\u0161 viso Jungtin\u0117se Valstijose yra\u00a0<\/span>daugiau kaip 1 mlrd. kreditini\u0173 korteli\u0173, kuri\u0173 skola siekia apie 0,85 trilijonus JAV doleri\u0173<\/a>. Beje, skai\u010diuojama, kad Lietuvos gyventojai naudoja apie 400 t\u016bkst. kredito korteli\u0173.
Ne tik Amerikoje, bet ir visame pasaulyje skolos \u2013 didesn\u0117s nei bet kada anks\u010diau.\u00a0<\/span>\u201eBloomberg\u201c duomenimis<\/a>, pasaulin\u0117 skola sudaro 250 trilijon\u0173 JAV doleri\u0173, \u0161is skai\u010dius yra tris kartus didesnis u\u017e bendr\u0105 pasaulio ekonomik\u0105. Kreditas tapo savaime suprantamu dalyku verslui, valstybi\u0173 vyriausyb\u0117ms ir gyventojams, taigi dabar jau tur\u0117tume paklausti sav\u0119s: ar skolos yra tai, ko norime? Ar kreditas i\u0161 ties\u0173 rei\u0161kia tikrus pinigus, kurie vien\u0105 dien\u0105 bus gr\u0105\u017einti? O gal mes skolinam\u0117s vien d\u0117l to, kad galime?
Verslininkams pinig\u0173 skolinimasis yra b\u016bdas \u012fgyti trumpalaik\u012f likvidum\u0105, pinigai reikalingi investicijoms \u012f tolesn\u012f \u012fmon\u0117s augim\u0105 ir \u0161iandienos privalomoms i\u0161laidoms, pavyzd\u017eiui, apyvartin\u0117ms l\u0117\u0161oms. Pasak Y. N. Harari, \u017emon\u0117s suprato, kad norint gauti pajam\u0173 ateityje, b\u016btina gauti pinig\u0173 jau \u0161iandien.<\/p>\n

 <\/p>\n

Kei\u010diasi po\u017ei\u016bris<\/h2>\n

Vis d\u0117lto ir verslo finansavimo rinkoje jau matomi esminiai poky\u010diai. Kreditas \u2013 nebe vienintelis ir \u0161iandien neb\u016btinai geriausias ekonomikos augimo skatinimo \u012frankis. Tiesa, dalis versl\u0173 kredit\u0105 vis dar laiko vieninteliu galimu pasirinkimu, ta\u010diau randasi ir kit\u0173 alternatyv\u0173. Vienas pavyzd\u017ei\u0173 \u2013 faktoringas, jau i\u0161ra\u0161yt\u0173 s\u0105skait\u0173 finansavimas. Jis ypa\u010d patrauklus smulkiajam ir vidutiniam verslui: kam skolintis pinig\u0173, kurie bus u\u017edirbami rytoj, jei pinigus galima pasiimti i\u0161 jau u\u017edirbt\u0173 pajam\u0173? Verslui nereikia eikvoti dar negaut\u0173 l\u0117\u0161\u0173, vietoje to galima jau \u0161iandien gauti l\u0117\u0161\u0173 i\u0161 i\u0161ra\u0161yt\u0173 s\u0105skait\u0173 fakt\u016br\u0173, kurias klientas apmok\u0117s gal po m\u0117nesio ar v\u0117liau.
Taigi, vis didesnei daliai versl\u0173 pirmasis \u0161altinis, i\u0161 kurio galima gauti pinig\u0173 verslui finansuoti, yra jau i\u0161ra\u0161yt\u0173 s\u0105skait\u0173 u\u017e atliktas paslaugas ar parduotus gaminius finansavimas \u0161iandien, o ne skolinimasis i\u0161 savo veiklos ateities. Nauj\u0173j\u0173 technologij\u0173 ir platform\u0173 d\u0117ka nebankinio faktoringo kainos dar niekada nebuvo tokios ma\u017eos, o l\u0117\u0161\u0173 gavimo procesas \u2013 toks paprastas. Pavyzd\u017eiui, Lietuvos \u201efintech\u201c bendrov\u0117 \u201eDebifo\u201c, kuri\u0105\u00a0\u0161iemet \u012fsigijo Nyderland\u0173 kompanija \u201eFactris\u201c<\/a>, faktoring\u0105 si\u016blo nuo 1 proc. per m\u0117nes\u012f u\u017e finansuojam\u0105 s\u0105skait\u0105, o 90 proc. s\u0105skaitos sumos gauti per par\u0105\u2013dvi. Kad naujosios technologijos ir kreditavimo galimyb\u0117s smulkiajam ir vidutiniam verslui patrauklios, \u012frodo skai\u010diai: pernai faktoringu finansuota 9 234 s\u0105skait\u0173 \u2013 9,6 karto daugiau nei 2017 m., o finansuotos s\u0105skaitos vidutinis dydis buvo 5 100 Eur.<\/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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\u0160iandien skolinimasis yra nat\u016brali valstybi\u0173, verslinink\u0173 ir gyventoj\u0173 praktika, ta\u010diau nedaug kas \u017eino, kad kreditas ne visuomet buvo toks populiarus kaip dabar. Ties\u0105 sakant, \u017emonijos istorijoje pasaulin\u0117 skola dar niekada nebuvo tokia didel\u0117. Nepaisant tokio didelio kredito paplitimo, tikimasi, kad tradicinis skolinimasis suma\u017e\u0117s, mat skaitmenin\u0117 era atveria paprastesnius, pigesnius ir saugesnius b\u016bdus verslui gauti l\u0117\u0161\u0173 […]<\/p>\n","protected":false},"author":1,"featured_media":21473,"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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