{"id":7429,"date":"2019-11-11T08:38:00","date_gmt":"2019-11-11T08:38:00","guid":{"rendered":"https:\/\/www.factris.com\/?p=7429"},"modified":"2023-01-10T08:25:53","modified_gmt":"2023-01-10T08:25:53","slug":"skolinimo-prognozes-smulkiam-ir-vidutiniam-verslui","status":"publish","type":"post","link":"https:\/\/www.factris.com\/lt\/naujienos\/skolinimo-prognozes-smulkiam-ir-vidutiniam-verslui\/","title":{"rendered":"Skolinimo prognoz\u0117s: finansavimo \u0161altini\u0173 alternatyvos taps dar aktualesn\u0117s"},"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

Tradiciniai finansuotojai, bankai, neabejotinai i\u0161lieka svarbiausiu i\u0161orinio finansavimo \u0161altiniu smulkaus ir vidutinio dyd\u017eio verslui (SVV) visoje Europoje. T\u0105 liudija ir naujausi Europos centrinio banko (ECB) duomenys.<\/h2>\n

 <\/p>\n

\u0160i \u201epriklausomyb\u0117\u201c atsirado istori\u0161kai ir j\u0105 po paskutin\u0117s finans\u0173 kriz\u0117s aktyviai skatina ECB vykdoma pinig\u0173 politika \u2013 didinama pinig\u0173 pasi\u016bla rinkoje bei palaikomos \u017eemos pal\u016bkan\u0173 normos, skatinan\u010dios tuos pinigus naudoti. Skai\u010diuojama, kad ES bank\u0173 finansavimas vis dar sudaro apie 70% \u012fmoni\u0173 i\u0161orinio finansavimo. O, pavyzd\u017eiui, JAV \u012fmoni\u0173 finansavimo \u0161altiniai geriau diversifikuoti \u2013 bank\u0173 finansavimas sudaro tik apie 40% i\u0161orinio finansavimo.<\/p>\n

Ta\u010diau \u0161ioje vietoje problema, su kuria susiduria m\u016bs\u0173 pagrindin\u0117 ekonomikos varomoji galia \u2013 smulkus bei vidutinis verslas, \u2013 nedingsta. Pinigai verslui vis sunkiau pasiekiami d\u0117l grie\u017et\u0117jan\u010di\u0173 skolinimo s\u0105lyg\u0173. Ateities prognoz\u0117s, pana\u0161u, irgi ne\u017eada dideli\u0173 pro\u0161vais\u010di\u0173.<\/p>\n

 <\/p>\n

Bank\u0173 reguliavimo poky\u010diai, \u012fgyvendinant \u201eBasel III\u201c ir \u201eBasel IV\u201c, kelia auk\u0161tesnius reikalavimus bankams<\/h2>\n

Pastarieji turi kaupti daugiau kapitalo ir b\u016bti likvidesni, kad tapt\u0173 atsparesni ekonomikos cikli\u0161kumui. Daugiau kapitalo (pavyzd\u017eiui, padidinti minimal\u016bs nuosavo kapitalo reikalavimai bankams nuo 8% iki 10,5%), rei\u0161kia ka\u0161t\u0173 optimizavim\u0105, suma\u017e\u0117jus\u012f rizikos apetit\u0105 \u2013 orientavim\u0105si \u012f saugesnius ir stambesnius sandorius bei klientus, didesnes paskol\u0173 pal\u016bkan\u0173 mar\u017eas.<\/p>\n

Bankams optimizuojant ka\u0161tus vis ma\u017eiau d\u0117mesio skiriama SVV \u012fmon\u0117ms ir j\u0173 aptarnavimui, kuris, beje, vis da\u017eniau atliekamas internetin\u0117je erdv\u0117je nuotoliniu b\u016bdu, ta\u010diau bank\u0173 skaitmenizavimo procesas, kaip rodo europiniai tyrimai, yra gana l\u0117tas. Statista.com duomenimis, internetin\u0117s bankininkyst\u0117s skvarba ES vidutini\u0161kai i\u0161lieka 54%.<\/p>\n

 <\/p>\n

Europa jau \u0117m\u0117si veiksm\u0173<\/h2>\n

Nor\u0117dama u\u017etikrinti, kad SVV \u012fmon\u0117s tur\u0117t\u0173 tinkam\u0105 finansavim\u0105 ir gal\u0117t\u0173 toliau \u012fvairinti savo finansavimo \u0161altinius, Europos Komisija inicijavo ES Kapitalo rink\u0173 s\u0105jung\u0105 (angl. CMU). \u0160i, veikdama per vietos organizacijas, siekia u\u017etikrinti ne tik konstruktyvaus atgalinio ry\u0161io SVV \u012fmon\u0117ms, kuri\u0173 kreditavimo parai\u0161kos buvo atmestos, teikim\u0105, bet ir aktyv\u0173 verslo angel\u0173, rizikos ir privataus kapitalo \u012fsitraukim\u0105 finansuojant versl\u0105, taip pat fintech \u012fmoni\u0173 bei alternatyvi\u0173 finansavimo priemoni\u0173, kaip sutelktinis finansavimas, skatinim\u0105.<\/p>\n

Padedant visoms \u0161ioms priemon\u0117ms ir aplinkyb\u0117ms, ES rinkoje pastebimas skolos fond\u0173 aktyvumas. 2016 m. pasiekus 100 mlrd. Eur portfelio kartel\u0119, 2017 m. fiksuotas \u012fsp\u016bdingas augimas iki 165 mlrd. Eur. Be to, 2017 m. ES sukurta 65 nauji skolos fondai, kai 2007 m. j\u0173 buvo 6.<\/p>\n

 <\/p>\n

Kokia situacija m\u016bs\u0173 \u0161alyje?<\/h2>\n

Pana\u0161i, nors gal reik\u0117t\u0173 sakyti \u2013 kiek ni\u016bresn\u0117. Lietuvos bank\u0173 rinka, kaip ra\u0161o Lietuvos bankas savo 2018 m. ap\u017evalgoje, turi ribotos konkurencijos po\u017eymi\u0173, t. y. komerciniai bankai d\u0117l gana ribotos konkurencijos dar labiau atsirenka, kam jie nori ir gali skolinti. Paanalizavus pastar\u0173j\u0173 met\u0173 komercini\u0173 bank\u0173 i\u0161duot\u0173 verslo kredit\u0173 dinamik\u0105, akivaizdu, kad ma\u017e\u0117ja tiek i\u0161duodam\u0173 paskol\u0173, tiek bendras paskol\u0173 portfelis.<\/p>\n

Lietuvoje did\u017eioji dalis \u012fmoni\u0173 kaip pagrindin\u012f finansavimosi \u0161altin\u012f vis dar \u012fvardija vidaus i\u0161teklius. Kaip rodo Lietuvos banko apklausos, did\u017eiausi\u0105 \u012ftak\u0105 \u201enenorui\u201c skolintis daro tai, kad \u012fmon\u0117s turi sukaupusios pakankamai nuosav\u0173 l\u0117\u0161\u0173, taip pat kaip svarbi prie\u017eastis \u012fvardijama didel\u0117 paskol\u0173 kaina. Nepaisant to, ry\u0161ki ir kita tendencija \u2013 nei\u0161vengiamai did\u0117ja i\u0161orini\u0173 finansavimosi \u0161altini\u0173 poreikis. Lietuva kuris laikas yra viena pirmaujan\u010di\u0173 ES pagal BVP augim\u0105, tad, nat\u016bralu, augimui finansuoti reikalingi papildomi kreditai i\u0161 i\u0161or\u0117s \u0161altini\u0173.<\/p>\n

Alternatyv\u016bs bankams i\u0161oriniai finansavimo \u0161altiniai \u2013 rizikos, skolos ar privatus kapitalas \u2013 m\u016bs\u0173 rinkoje tampa vis labiau prieinami per vietoje veikian\u010dius fondus ir alternatyvius finansuotojus \u2013 specializuotas faktoringo (s\u0105skait\u0173 finansavimo) \u012fmones ir paskol\u0173 \u012fmones, tarpusavio skolinimo (angl. peer-to-peer) ir sutelktinio finansavimo (angl. crowdfunding) platformas. Pastebimai did\u0117ja min\u0117t\u0173 \u012fmoni\u0173 svarba SVV \u012fmoni\u0173 finansavime bei Lietuvos ekonomikoje.<\/p>\n

Santykinai pig\u016bs pinigai rinkoje ilgainiui stiprins alternatyvi\u0173 skolinimo \u0161altini\u0173 konkurencingum\u0105 m\u016bs\u0173 \u0161alies rinkoje bei skatins \u0161i\u0173 finansavimo resurs\u0173 augim\u0105. Tuo pa\u010diu fintech \u012fmoni\u0173 teikiamos technologijos ir toliau keis vartotoj\u0173 \u012fpro\u010dius. Tai puiki atsvara tradicini\u0173 finansuotoj\u0173 \u201epriklausomybei\u201c. Juolab, prad\u017eioje pamin\u0117tas JAV pavyzdys rodo, kad ir ES, ir Lietuvos rinkos i\u0161orini\u0173 skolinimosi \u0161altini\u0173 diversifikacijai bei augimui \u2013 erdv\u0117s turime daug.<\/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

[\/et_pb_text][et_pb_button button_url=”\/lt\/finansavimo-kriterijai\/” button_text=”Pa\u017ei\u016br\u0117kite, ar atitinkate s\u0105lygas” button_alignment=”center” module_class=”btn-tertiary-2″ _builder_version=”4.9.0″ _module_preset=”default” custom_button=”on” button_text_color=”#ffffff” button_bg_color=”rgba(0,0,0,0)” button_font=”||||on||||” button_icon=”%%3%%” button_icon_color=”#ffffff” button_on_hover=”off” custom_margin=”||20px|||” custom_padding=”0px|0px|0px|0px|true|true”][\/et_pb_button][et_pb_button button_url=”https:\/\/onboarding.factris.com\/lt\/sign-up” button_text=”Finansuokite pirm\u0105j\u0105 s\u0105skait\u0105” button_alignment=”center” _builder_version=”4.9.0″ _module_preset=”default” button_icon=”%%3%%” button_icon_color=”#353540″ button_on_hover=”off” custom_margin=”||18px|||” custom_padding=”10px|40px|10px|25px|true|false” custom_padding__hover_enabled=”on|hover” custom_padding__hover=”|50px|||true|false”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Tradiciniai finansuotojai, bankai, neabejotinai i\u0161lieka svarbiausiu i\u0161orinio finansavimo \u0161altiniu smulkaus ir vidutinio dyd\u017eio verslui (SVV) visoje Europoje. T\u0105 liudija ir naujausi Europos centrinio banko (ECB) duomenys.   \u0160i \u201epriklausomyb\u0117\u201c atsirado istori\u0161kai ir j\u0105 po paskutin\u0117s finans\u0173 kriz\u0117s aktyviai skatina ECB vykdoma pinig\u0173 politika \u2013 didinama pinig\u0173 pasi\u016bla rinkoje bei palaikomos \u017eemos pal\u016bkan\u0173 normos, skatinan\u010dios tuos […]<\/p>\n","protected":false},"author":1,"featured_media":21289,"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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