{"id":7341,"date":"2019-11-25T08:12:00","date_gmt":"2019-11-25T08:12:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7341"},"modified":"2023-01-10T08:22:06","modified_gmt":"2023-01-10T08:22:06","slug":"kodel-grieztes-banku-skolinimas-verslui","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/kodel-grieztes-banku-skolinimas-verslui\/","title":{"rendered":"Bank\u0173 skolinimas SVV dar grie\u017et\u0117s: kokie galimi sprendimai?"},"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

Specialistai jau garsiai kalba, kad, pasikeitus bank\u0173 reguliavimo s\u0105lygoms ES, smulkioms ir vidutin\u0117ms \u012fmon\u0117ms kils nauj\u0173 problem\u0173 jau ir taip apsunkintoje skolinimo aplinkoje.<\/h2>\n

\u0160ie pakeitimai, kurie tur\u0117t\u0173 \u012fsigalioti iki 2022 m., padidins bank\u0173 finansavimo s\u0105naudas, tod\u0117l paskol\u0173 i\u0161davimas taps dar atidesnis ir grie\u017etesnis. Tai rimtas signalas SVV, ypa\u010d toms \u012fmon\u0117ms, kuri\u0173 kreditingumas neatitinka standart\u0173. Be to, padid\u0117jusios finansavimo s\u0105naudos gali pabranginti ir pat\u012f bank\u0173 finansavim\u0105.<\/strong><\/p>\n

Visoje Europos S\u0105jungoje (ES) netrukus pasikeis bank\u0173 reguliavimo sistema.<\/h3>\n

D\u0117l \u0161i\u0173 poky\u010di\u0173 labiausiai nukent\u0117s smulkaus ir vidutinio dyd\u017eio \u012fmon\u0117s, bandan\u010dios gauti paskolas i\u0161 bank\u0173.<\/h3>\n

70% smulkaus ir vidutinio verslo (SVV) pasikliauja bank\u0173 paskolomis, o tai rei\u0161kia, kad milijonams ma\u017e\u0173 \u012fmoni\u0173 kils dar daugiau i\u0161\u0161\u016bki\u0173.<\/h3>\n

Pinig\u0173 srautai jau dabar yra reik\u0161minga SVV problema visoje Europoje. Neseniai atlikto Europos centrinio banko (ECB) tyrimo duomenimis, ma\u017edaug 1 i\u0161 10 \u012fmoni\u0173 susiduria su sunkumais gaunant finansavim\u0105. Ta pati apklausa atskleid\u0117, koks didelis priklausomumas yra nuo bank\u0173 \u2013 ma\u017edaug 70% \u012fmoni\u0173 savo verslui finansuoti naudojasi paskolomis.<\/p>\n

\u201eBankai vis atsargiau vertina bendr\u0105 ekonomikos b\u016bkl\u0119, n\u0117ra u\u017etikrinti d\u0117l tarptautin\u0117s aplinkos perspektyv\u0173 (\u201eBrexit\u201c situacijos, JAV ir Kinijos prekybos kar\u0173, l\u0117t\u0117jan\u010di\u0173 did\u017ei\u0173j\u0173 Europos \u0161ali\u0173 ekonomik\u0173), tod\u0117l taiko grie\u017etesnius finansavimo kriterijus. Konkurencijos tr\u016bkumas vietin\u0117je rinkoje taip pat riboja skolinim\u0105, kadangi bankai koncentruojasi \u012f ma\u017eesn\u0117s rizikos klientus. Be to, bankai didel\u012f d\u0117m\u0117s\u012f skiria portfelio diversifikacijai, tod\u0117l reik\u0161ming\u0105 portfelio dal\u012f sudarantys sektoriai (NT veikla, statybos) patiria papildom\u0105 ribojim\u0105 i\u0161 kreditori\u0173\u201c, \u2013 atkreipia d\u0117mes\u012f \u201eFactris LT1\u201c rizikos skyriaus vadovas Edmundas Volskis.<\/p>\n

Atsi\u017evelgiant \u012f kritin\u0119 situacij\u0105, su kuria jau susiduria ir ilgainiui dar labiau susidurs daug SVV, akivaizdu, kad dabar kaip niekad reikalingi alternatyv\u016bs finansavimo \u0161altiniai.<\/p>\n

\u201eNedideliam verslui niekad nebuvo lengva gauti paskol\u0105, bet d\u0117l art\u0117jan\u010di\u0173 reguliavimo pakeitim\u0173, t. y. \u201eBazel IV\u201c, alternatyvios finansavimo galimyb\u0117s taps tik dar reik\u0161mingesn\u0117s norint SVV u\u017esitikrinti pl\u0117tr\u0105. Alternatyvios galimyb\u0117s, tokios kaip faktoringas, daugeliui SVV jau \u0161iandien tapo gelb\u0117jimo priemone\u201c, \u2013 sako E. Volskis.<\/p>\n

Tarptautin\u0117s faktoringo bendrov\u0117s \u201eFactris\u201c duomenimis, s\u0105skait\u0173 finansavimo paslaugomis daugiausiai naudojasi didmenin\u0117s prekybos ir transporto srityse veikiantys verslai.<\/p>\n

Faktoringas<\/a> \u2013 tai finansavimo metodas, kai klient\u0173 neapmok\u0117tos s\u0105skaitos fakt\u016bros perkamos siekiant u\u017e nedidel\u012f mokest\u012f suteikti \u012fmonei kapital\u0105, reikaling\u0105 vykdyti ir pl\u0117sti savo veikl\u0105. Kai \u012fmon\u0117 u\u017e atliktus darbus ar produktus i\u0161ra\u0161o s\u0105skait\u0105, jos apmok\u0117jimo i\u0161 kliento gali tekti laukti m\u0117nesius, o pasinaudojus faktoringu iki 90 proc. s\u0105skaitos sumos gaunama per dien\u0105 ar kelias, likusieji 10 proc. \u2013 kai klientas apmoka s\u0105skait\u0105.<\/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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Specialistai jau garsiai kalba, kad, pasikeitus bank\u0173 reguliavimo s\u0105lygoms ES, smulkioms ir vidutin\u0117ms \u012fmon\u0117ms kils nauj\u0173 problem\u0173 jau ir taip apsunkintoje skolinimo aplinkoje. \u0160ie pakeitimai, kurie tur\u0117t\u0173 \u012fsigalioti iki 2022 m., padidins bank\u0173 finansavimo s\u0105naudas, tod\u0117l paskol\u0173 i\u0161davimas taps dar atidesnis ir grie\u017etesnis. Tai rimtas signalas SVV, ypa\u010d toms \u012fmon\u0117ms, kuri\u0173 kreditingumas neatitinka standart\u0173. Be […]<\/p>\n","protected":false},"author":1,"featured_media":21294,"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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