{"id":7341,"date":"2019-11-25T08:12:00","date_gmt":"2019-11-25T08:12:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7341"},"modified":"2026-05-25T10:57:33","modified_gmt":"2026-05-25T10:57:33","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":"\n<h2 class=\"wp-block-heading\" id=\"h-specialistai-jau-garsiai-kalba-kad-pasikeitus-banku-reguliavimo-salygoms-es-smulkioms-ir-vidutinems-imonems-kils-nauju-problemu-jau-ir-taip-apsunkintoje-skolinimo-aplinkoje\">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\n\n\n<p class=\"wp-block-paragraph\">\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.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-visoje-europos-sajungoje-es-netrukus-pasikeis-banku-reguliavimo-sistema\">Visoje Europos S\u0105jungoje (ES) netrukus pasikeis bank\u0173 reguliavimo sistema.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-del-siu-pokyciu-labiausiai-nukentes-smulkaus-ir-vidutinio-dydzio-imones-bandancios-gauti-paskolas-is-banku\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"h-70-smulkaus-ir-vidutinio-verslo-svv-pasikliauja-banku-paskolomis-o-tai-reiskia-kad-milijonams-mazu-imoniu-kils-dar-daugiau-issukiu\">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.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">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\n\n\n<p class=\"wp-block-paragraph\">\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\n\n\n<p class=\"wp-block-paragraph\">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\n\n\n<p class=\"wp-block-paragraph\">\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\n\n\n<p class=\"wp-block-paragraph\">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\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.factris.com\/lt\/faktoringas\/\">Faktoringas<\/a>&nbsp;\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","protected":false},"excerpt":{"rendered":"<p>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,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":35566,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[36],"tags":[],"class_list":["post-7341","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finansavimo-gidas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v28.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pasikeitimai verslui skolinantis i\u0161 bank\u0173 - kokie galimi sprendimai?<\/title>\n<meta name=\"description\" content=\"Visoje ES netrukus pasikeis bank\u0173 reguliavimo sistema. 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