{"id":7381,"date":"2019-06-25T08:29:00","date_gmt":"2019-06-25T08:29:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7381"},"modified":"2023-01-10T08:30:48","modified_gmt":"2023-01-10T08:30:48","slug":"veluojantys-mokejimai-stabdo-imoniu-pletra","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/veluojantys-mokejimai-stabdo-imoniu-pletra\/","title":{"rendered":"V\u0117luojantys mok\u0117jimai u\u017ekerta keli\u0105 \u012fmoni\u0173 pl\u0117trai"},"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

Daugiau nei pus\u0117 Europos \u012fmoni\u0173 teigia, kad pernai j\u0173 buvo pra\u0161oma prailginti atsiskaitym\u0173 u\u017e prekes ar paslaugas terminus. Kai kuri\u0173 versl\u0173 atstovai pripa\u017e\u012fsta, kad b\u016btent d\u0117l v\u0117luojan\u010di\u0173 pirk\u0117j\u0173 apmok\u0117jim\u0173 tur\u0117jo rimtai svarstyti pasitraukimo i\u0161 rinkos galimybes. M\u016bs\u0173 \u0161alyje, kaip pastebi specialistai, \u0161i problema taip pat kelia nemenk\u0173 i\u0161\u0161\u016bki\u0173 verslui.<\/h2>\n

\u201ePavyzd\u017eiui, Jungtin\u0117je Karalyst\u0117je skai\u010diuojama, kad daugiau nei penktadalis smulkaus ir vidutinio dyd\u017eio \u012fmoni\u0173, susid\u016brusios su v\u0117luojan\u010diais pirk\u0117j\u0173 mok\u0117jimais, atsid\u016br\u0117 padidintos rizikos lauke, o Pranc\u016bzijoje net ketvirtadalis bankrot\u0173 yra susij\u0119 su s\u0105skait\u0173 apmok\u0117jimo problemomis. M\u016bs\u0173 \u0161alies mastu tokia statistika nerenkama, bet bendraudami su klientais \u017einome, kad laiku neapmok\u0117tos s\u0105skaitos jau ne vien\u0105 verslinink\u0105 privert\u0117 susidurti su pl\u0117tros kli\u016btimi, darbuotoj\u0173 skai\u010diaus ma\u017einimu arba apskritai pasitraukimu i\u0161 rinkos. Ypa\u010d d\u0117l to ken\u010dia smulkaus ir vidutinio dyd\u017eio verslai, kurie paprastai turi silpnesnes derybines galias prie\u0161 did\u017eiuosius pirk\u0117jus d\u0117l mok\u0117jimo termin\u0173 ir nenori gadinti su jais santyki\u0173\u201c, \u2013 pastebi Paulius Jauga, faktoringo bendrov\u0117s \u201eFactris\u201c vykdantysis direktorius.<\/p>\n

 <\/p>\n

Atsiskaitymo termin\u0173 nepaisoma<\/h2>\n

Kredit\u0173 draudimo bendrov\u0117\u00a0<\/span>\u201eAtradius\u201c<\/a>\u00a0<\/span>skai\u010diuoja, kad ilgiausi vidutiniai s\u0105skait\u0173 apmok\u0117jimo terminai Vakar\u0173 Europoje fiksuojami Graikijoje (apie 52 dienos), Ispanijoje (45), Italijoje (44), o trumpiausi \u2013 Vokietijoje (apie 22 dienos), Danijoje ir Jungtin\u0117je Karalyst\u0117je (po 24). Tiksliau, toki\u0173 termin\u0173 \u012fmon\u0117s pra\u0161o, bet realiai su jomis atsiskaitoma v\u0117liau. \u0160tai, Italijoje atsiskaitymas gali i\u0161sit\u0119sti net iki 74, Graikijoje \u2013 iki 61 dienos.<\/p>\n

Apskritai Vakar\u0173 Europoje per 90 proc. smulkaus ir vidutinio dyd\u017eio \u012fmoni\u0173 susiduria su v\u0117luojan\u010diais apmok\u0117jimais. \u017dvelgiant \u012f skirtingus sektorius, ilgiausiai s\u0105skait\u0173 apmok\u0117jim\u0173 turi laukti gamybos, didmenin\u0117s prekybos \u012fmon\u0117s. Grei\u010diau atsiskaitym\u0173 sulaukia paslaug\u0173 \u012fmon\u0117s.<\/p>\n

\u201eRemdamiesi m\u016bs\u0173 turimais duomenimis, matome, kad vidutinis Lietuvoje veikian\u010di\u0173 \u012fmoni\u0173 s\u0105skait\u0173 apmok\u0117jimo terminas, yra 52 dienos. Da\u017enai racional\u016bs apmok\u0117jimo terminai apra\u0161omi tik dokumentuose , o prakti\u0161kai atsiskaitymai i\u0161sit\u0119sia iki keli\u0173 ir daugiau m\u0117nesi\u0173. V\u0117lavimai neretai priklauso nuo sektoriaus specifikos. Pavyzd\u017eiui, stambios transporto ar ekspedijavimo \u012fmon\u0117s da\u017enai skai\u010diuoja s\u0105skaitos apmok\u0117jimo termin\u0105 ne nuo s\u0105skaitos i\u0161ra\u0161ymo, o nuo dokument\u0173 gavimo datos. \u012emon\u0117s, dirban\u010dios su valstybiniais ar europiniais projektais, sutartyse da\u017enai turi s\u0105lyg\u0105, jog mok\u0117jimai bus vykdomi per s\u0105skaitos termin\u0105, jei bus gautas mok\u0117jimas i\u0161 europini\u0173 l\u0117\u0161\u0173, \u2013 vardija pavyzd\u017eius P. Jauga. \u2013 Be to, ne retai v\u0117lavimais tiesiog piktnaud\u017eiaujama. Pirk\u0117jai randa pasiteisinim\u0173, kad pasigedo lydin\u010di\u0173j\u0173 dokument\u0173, laukia originali\u0173 dokument\u0173, \u00a0projekt\u0173 vadovai vis dar nepateik\u0117 s\u0105skait\u0173 buhalterijai, u\u017e mok\u0117jimus atsakingi asmenys atostogauja, negavo pinig\u0173 i\u0161 u\u017esakovo, \u012fplaukos gaunamos m\u0117nesio gale ar prad\u017eioje, tod\u0117l iki to laiko negali apmok\u0117ti ir pan.\u201c<\/p>\n

Anot jo, da\u017eniausiai su v\u0117luojan\u010diais apmok\u0117jimais susiduria statybos, statybini\u0173 med\u017eiag\u0173 pardavimo, statybin\u0117s \u012frangos pardavimo ar nuomos, didmenin\u0117s prekybos ar konsultacine veikla u\u017esiiman\u010dios \u012fmon\u0117s.<\/p>\n

\u201eDa\u017eniausios v\u0117luojan\u010di\u0173 apmok\u0117jim\u0173 pasekm\u0117s, \u012fvardijamos ir Lietuvos, ir Europos \u012fmoni\u0173, yra apyvartini\u0173 l\u0117\u0161\u0173 tr\u016bkumas d\u0117l augimo, atsiradusios papildomos administracin\u0117s i\u0161laidos, pajam\u0173 praradimas ir su tuo atsirandan\u010dios likvidumo problemos, sustojusi pl\u0117tra. Visa tai neabejotinai prisideda ir prie kur kas platesnio masto neigiam\u0173 pasekmi\u0173 \u2013 l\u0117t\u0117ja ekonomikos augimas visos \u0161alies mastu\u201c, \u2013 sako \u201eFactris\u201c vykdomasis direktorius.<\/p>\n

 <\/p>\n

Faktoringo skverbtis auga<\/h2>\n

Spr\u0119sti v\u0117luojan\u010di\u0173 atsiskaitym\u0173 keliamas problemas ir Vakar\u0173 Europos, ir Lietuvos \u012fmon\u0117s vis da\u017eniau pasitelkia i\u0161ra\u0161yt\u0173 s\u0105skait\u0173 finansavim\u0105\u00a0\u2013 faktoring\u0105. ES Faktoringo ir komercinio finans\u0173 sektoriaus federacija (EUF) skelbia, kad ES \u0161ali\u0173 faktoringo apyvarta 2018 m. vir\u0161ijo 1,7 trilijono eur\u0173 ir, palyginti su 2017 m., paaugo 8%. Anot EUF, tai de\u0161imti augimo metai i\u0161 eil\u0117s, kas \u012frodo vis svarbesn\u012f faktoringo vaidmen\u012f \u012fmoni\u0173 veiklos bei pl\u0117tros finansavime.<\/p>\n

Lietuvoje bendra faktoringo apyvarta pernai sudar\u0117 3.660 mln. eur\u0173 ir tai net penktadaliu daugiau nei 2017 m. Kaimynin\u0117je Latvijoje fiksuotas 9% augimas (apyvarta \u2013 784 mln. eur\u0173), Estijoje \u2013 net 44% (apyvarta \u2013 3.600 mln. eur\u0173). Bendros faktoringo paslaug\u0173 apimtys pastaraisiais metais spar\u010diausiai auga penkiose ES \u0161alyse: Jungtin\u0117je Karalyst\u0117je, Pranc\u016bzijoje, Vokietijoje, Italijoje, kiek l\u0117\u010diau \u2013 Ispanijoje.<\/p>\n

Anot P. Jaugos, nors faktoringas auga de\u0161imtimis procent\u0173, jis vis dar i\u0161lieka ma\u017eiau \u017einoma smulkaus ir vidutinio dyd\u017eio \u012fmoni\u0173 finansavimo forma. \u201eTo prie\u017eastimi galima \u012fvardyti ir gana \u201e\u012fsisen\u0117jusi\u0105\u201c problem\u0105. Europos SVV \u012fmon\u0117s tradicini\u0173 finansuotoj\u0173, toki\u0173 kaip bank\u0173, teikiam\u0173 paslaug\u0173 (tarp j\u0173 ir faktoringo) segmente sulaukia ma\u017eiau d\u0117mesio, tapo grie\u017e\u010diau vertinamos, jos vis da\u017eniau patenka \u012f \u201eriziking\u0173j\u0173\u201c grup\u0119. Tad nema\u017eai finansavimo priemoni\u0173 smulkesn\u0117ms \u012fmon\u0117ms tapo sunkiai pasiekiamos ir nelanks\u010dios. \u0160i problema sprend\u017eiama: finansuotojai, kurie fokusuojasi \u012f i\u0161skirtinai faktoringo, arba s\u0105skait\u0173 finansavimo, paslaugos teikim\u0105, efektyviai padeda \u012fmon\u0117ms gauti apyvartin\u012f kapital\u0105, reikaling\u0105 veiklai vykdyti bei pl\u0117sti. Verslininkai t\u0105 jau atranda, bet ne visi t\u0105 dar i\u0161naudoja t\u0105 potencial\u0105\u201c, \u2013 situacij\u0105 apibendrina \u201eFactris\u201c vykdantysis direktorius.<\/p>\n

\u201e\u0160tai visai neseniai tur\u0117jome atvej\u012f, kai \u012fmon\u0117 susid\u016br\u0117 su verslo t\u0119stinumo problema. Vienas m\u016bs\u0173 klient\u0173, parduodantis kirst\u0105 medien\u0105 lentpj\u016bv\u0117ms, suteik\u0117 ilg\u0105 atsiskaitymo termin\u0105 \u2013 60\u201390 dien\u0173. Tai rei\u0161kia, kad pardav\u0119s produkt\u0105 jis tur\u0117jo laukti du ar net tris m\u0117nesius, kad gal\u0117t\u0173 v\u0117l nusipirkti medienos i\u0161 tiek\u0117j\u0173. U\u017eburtas ratas \u2013 pinigai tarsi yra, bet jie \u201eu\u017erakinti\u201c neapmok\u0117tose s\u0105skaitose, siekian\u010diose keliasde\u0161imt t\u016bkstan\u010di\u0173 eur\u0173. \u0160iuo atveju faktoringo paslauga i\u0161gelb\u0117jo \u2013 apr\u016bpino \u012fmon\u0119 apyvartin\u0117mis l\u0117\u0161omis ir netgi leido padvigubinti gaunamas pajamas\u201c, \u2013 pavyzd\u012f i\u0161mintingai pasinaudota s\u0105skait\u0173 finansavimo paslauga pateikia P. Jauga.<\/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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Daugiau nei pus\u0117 Europos \u012fmoni\u0173 teigia, kad pernai j\u0173 buvo pra\u0161oma prailginti atsiskaitym\u0173 u\u017e prekes ar paslaugas terminus. Kai kuri\u0173 versl\u0173 atstovai pripa\u017e\u012fsta, kad b\u016btent d\u0117l v\u0117luojan\u010di\u0173 pirk\u0117j\u0173 apmok\u0117jim\u0173 tur\u0117jo rimtai svarstyti pasitraukimo i\u0161 rinkos galimybes. M\u016bs\u0173 \u0161alyje, kaip pastebi specialistai, \u0161i problema taip pat kelia nemenk\u0173 i\u0161\u0161\u016bki\u0173 verslui. \u201ePavyzd\u017eiui, Jungtin\u0117je Karalyst\u0117je skai\u010diuojama, kad daugiau […]<\/p>\n","protected":false},"author":1,"featured_media":21282,"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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