{"id":2007,"date":"2023-09-20T18:01:17","date_gmt":"2023-09-20T18:01:17","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2007"},"modified":"2023-09-20T18:01:17","modified_gmt":"2023-09-20T18:01:17","slug":"rekenber-zlepsuje-ekonomiku-vymahani-malych-pohledavek","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2007","title":{"rendered":"Rekenber zlep\u0161uje ekonomiku vym\u00e1h\u00e1n\u00ed mal\u00fdch pohled\u00e1vek"},"content":{"rendered":"

Obce v\u00a0\u010cesk\u00e9 republice p\u0159ich\u00e1zej\u00ed o podstatn\u00e9 p\u0159\u00edjmy do sv\u00fdch rozpo\u010dt\u016f, jeliko\u017e nedok\u00e1\u017eou \u0159e\u0161it pohled\u00e1vky za drobn\u00e9 komun\u00e1ln\u00ed slu\u017eby, jako je svoz odpadu, pokuty za \u0161patn\u00e9 parkov\u00e1n\u00ed nebo poplatky za psa.<\/strong><\/p>\n

<\/p>\n

Vym\u00e1h\u00e1n\u00ed t\u011bchto mal\u00fdch, ale \u010detn\u00fdch pohled\u00e1vek je nav\u00edc neefektivn\u00ed, co\u017e p\u0159in\u00e1\u0161\u00ed vy\u0161\u0161\u00ed n\u00e1klady jak pro obce, tak pro samotn\u00e9 dlu\u017en\u00edky. Podle spole\u010dnosti Rekenber, kter\u00e1 se efektivn\u00ed spr\u00e1vou pohled\u00e1vek zab\u00fdv\u00e1, m\u016f\u017eou ztr\u00e1ty na stran\u011b obc\u00ed dos\u00e1hnout p\u0159es 1,5 miliardy korun ro\u010dn\u011b.<\/p>\n

Pohled\u00e1vky do 500 K\u010d, kter\u00e9 obvykle vznikaj\u00ed nezaplacen\u00edm komun\u00e1ln\u00edch slu\u017eeb (svoz odpadu, poplatky za parkov\u00e1n\u00ed \u010di sto\u010dn\u00e9, poplatky za psa) p\u0159edstavuj\u00ed vzhledem ke sv\u00e9 \u010detnosti pro obce vysokou administrativn\u00ed z\u00e1t\u011b\u017e. V\u00a0d\u016fsledku pak m\u016f\u017eou zp\u016fsobit dokonce probl\u00e9my ve financov\u00e1n\u00ed m\u00edstn\u00edch slu\u017eeb.<\/p>\n

Mal\u00e9 dluhy, velk\u00e1 administrativa<\/strong><\/p>\n

Vym\u00e1h\u00e1n\u00ed drobn\u00fdch pohled\u00e1vek je pro obce slo\u017eit\u00e9 z\u00a0n\u011bkolika d\u016fvod\u016f. Na dluhy do 500 K\u010d ob\u010dan\u00e9 sn\u00e1ze zapom\u00ednaj\u00ed. Ve chv\u00edli, kdy je \u010d\u00e1stka po splatnosti, pak chyb\u00ed radnic\u00edm efektivn\u00ed zp\u016fsoby, jak jej\u00ed zaplacen\u00ed p\u0159ipom\u00ednat a vym\u00e1hat. Na aktivn\u00ed \u0159e\u0161en\u00ed drobn\u00fdch pohled\u00e1vek ve form\u011b telefon\u00e1t\u016f, SMS zpr\u00e1v nebo dopis\u016f nemaj\u00ed obce kapacity ani lidsk\u00e9, ani finan\u010dn\u00ed. P\u0159ek\u00e1\u017ekou b\u00fdvaj\u00ed tak\u00e9 chyb\u011bj\u00edc\u00ed kontaktn\u00ed \u00fadaje, jako je e-mail nebo telefon. Dlu\u017en\u00edk mnohdy o sv\u00e9m z\u00e1vazku ani nev\u00ed, nebo\u0165 mu upom\u00ednka p\u0159ijde na neplatnou adresu.<\/p>\n

\u201ePodle na\u0161ich zku\u0161enost\u00ed jsou drobn\u00e9 pohled\u00e1vky t\u00e9ma, se kter\u00fdm se pot\u00fdk\u00e1 prakticky ka\u017ed\u00e1 obec nad 1000 obyvatel, tedy okolo 1,500 \u010desk\u00fdch m\u011bst a obc\u00ed. Probl\u00e9m je nav\u00edc velmi komplexn\u00ed \u2013 ovliv\u0148uje cash flow, zasahuje do oblasti strategick\u00e9ho veden\u00ed a komunikace s\u00a0obyvateli. Lep\u0161\u00ed spr\u00e1va pohled\u00e1vek pom\u016f\u017ee i t\u011bm nejmen\u0161\u00edm obc\u00edm z\u00edskat do rozpo\u010dtu v\u00fdznamn\u00e9 des\u00edtky tis\u00edc korun, u st\u0159edn\u00edch a v\u011bt\u0161\u00edch m\u011bst se pak bav\u00edme \u0159\u00e1dov\u011b o milionech a\u017e des\u00edtk\u00e1ch milion\u016f korun,\u201c<\/em> vysv\u011btluje Peter Zvirinsk\u00fd, zakladatel spole\u010dnosti Rekenber.<\/p>\n

Jak zv\u00fd\u0161it n\u00e1vratnost pohled\u00e1vek<\/strong><\/p>\n

St\u00e1tn\u00ed a ve\u0159ejn\u00e9 instituce, podniky a obce tvo\u0159\u00ed dle po\u010dtu insolven\u010dn\u00edch \u0159\u00edzen\u00ed cel\u00fdch 20 % z\u00a0Top 1000 v\u011b\u0159itel\u016f. V celkov\u00e9m\u00a0po\u010dtu pohled\u00e1vek jsou na prvn\u00edm m\u00edst\u011b pr\u00e1v\u011b m\u011bsta a obce, celkem maj\u00ed v\u00a0insolvenc\u00edch \u201ezam\u010den\u00fdch\u201c okolo 30 miliard korun. N\u00e1vratnost na \u010desk\u00e9m insolven\u010dn\u00edm trhu \u010din\u00ed v\u00a0sou\u010dasn\u00e9 dob\u011b pr\u016fm\u011brn\u011b 30 % za 5 let, ov\u0161em odhaduje se, \u017ee od roku 2024 se n\u00e1vratnost sn\u00ed\u017e\u00ed na polovinu. To by pro obce znamenalo dal\u0161\u00ed prohlouben\u00ed ztr\u00e1t z\u00a0pohled\u00e1vek.<\/p>\n

\u201eAbychom nab\u00eddli nejen obc\u00edm, ale i dal\u0161\u00edm st\u00e1tn\u00edm i soukrom\u00fdm organizac\u00edm \u00fa\u010dinn\u00e9 \u0159e\u0161en\u00ed, vytvo\u0159ili jsme technologickou platformu, kter\u00e1 z\u00a0procesu vym\u00e1h\u00e1n\u00ed pohled\u00e1vek odstra\u0148uje v\u011bt\u0161inu manu\u00e1ln\u00edch administrativn\u00edch \u00fakon\u016f. D\u00edky tomu lze doc\u00edlit efektivity a n\u00e1vratnosti i v\u00a0oblasti drobn\u00fdch pohled\u00e1vek,\u201c<\/em> popisuje v\u00fdhody platformy Rekenber Bohdan Hem\u017eal, druh\u00fd z\u00a0jej\u00edch zakladatel\u016f.<\/p>\n

\u201eHlavn\u00ed my\u0161lenkou platformy Rekenber je snadn\u011bj\u0161\u00ed, pozitivn\u011bj\u0161\u00ed a personalizovan\u00e1 interakce v\u011b\u0159itele se samotn\u00fdm dlu\u017en\u00edkem. V\u00fdsledkem je o 10 % vy\u0161\u0161\u00ed n\u00e1vratnost pohled\u00e1vek, 20% n\u00e1r\u016fst pohled\u00e1vek vy\u0159e\u0161en\u00fdch sm\u00edrn\u011b a celkov\u011b o 25 % vy\u0161\u0161\u00ed spokojenost ze strany dlu\u017en\u00edk\u016f. V\u011b\u0159itel\u00e9 tak maj\u00ed v\u00edce splacen\u00fdch pohled\u00e1vek a z\u00e1rove\u0148 udr\u017e\u00ed klienty, dodavatele nebo ob\u010dany na sv\u00e9 stran\u011b,\u201c <\/em>dod\u00e1v\u00e1 Bohdan Hem\u017eal.<\/p>\n

Past sekund\u00e1rn\u00ed platebn\u00ed neschopnosti<\/strong><\/p>\n

Obce maj\u00ed stejn\u011b jako firmy povinnost \u0159\u00eddit se p\u00e9\u010d\u00ed \u0159\u00e1dn\u00e9ho hospod\u00e1\u0159e. V\u00a0p\u0159\u00edpad\u011b nezaplacen\u00fdch pohled\u00e1vek v\u0161ak stoj\u00ed p\u0159ed dilematem. N\u00e1klady na z\u00edsk\u00e1n\u00ed nezaplacen\u00fdch poplatk\u016f jsou v\u00a0p\u0159\u00edpad\u011b manu\u00e1ln\u00edho zpracov\u00e1n\u00ed extr\u00e9mn\u011b vysok\u00e9, a efektivita je t\u00edm p\u00e1dem miziv\u00e1. Vym\u00e1h\u00e1n\u00ed mal\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky toti\u017e vy\u017eaduje obdobn\u00e9 kapacity jako vym\u00e1h\u00e1n\u00ed vysok\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky.<\/p>\n

Obce nav\u00edc \u0159e\u0161\u00ed i dilema, jak moc \u201eznep\u0159\u00edjem\u0148ovat\u201c \u017eivot vlastn\u00edm obyvatel\u016fm. V\u00a0p\u0159\u00edpad\u011b, \u017ee se tyto pohled\u00e1vky rozhodne nevym\u00e1hat, se v\u0161ak p\u0159ipravuje o obrovsk\u00e9 mno\u017estv\u00ed finan\u010dn\u00edch prost\u0159edk\u016f. Ty pak mohou v\u00a0rozpo\u010dtu chyb\u011bt a negativn\u011b ovlivnit nap\u0159\u00edklad investice s\u00a0c\u00edlem zp\u0159\u00edjemnit \u017eivot v\u00a0obci.<\/p>\n

Podobnou problematiku \u0159e\u0161\u00ed i velk\u00e9 mno\u017estv\u00ed firem. I kdy\u017e je jejich podnik\u00e1n\u00ed zdrav\u00e9 a \u017eivotaschopn\u00e9, hroz\u00ed jim takzvan\u00e1 druhotn\u00e1 platebn\u00ed neschopnost. Jedn\u00e1 se o situaci, kdy kl\u00ed\u010dov\u00fd odb\u011bratel (nebo odb\u011bratel\u00e9) nezaplat\u00ed za poskytnut\u00e9 slu\u017eby \u010di produkty, co\u017e m\u00e1 za n\u00e1sledek neschopnost spole\u010dnosti spl\u00e1cet sv\u00e9 vlastn\u00ed z\u00e1vazky. Z\u00a0t\u00e9to spir\u00e1ly se pak vlivem omezen\u00e9ho cash flow, smluvn\u00edch \u00farok\u016f a po\u0161kozen\u00e9 reputace t\u011b\u017eko ut\u00edk\u00e1.<\/p>\n

\u0158e\u0161en\u00edm je pravideln\u00e9 prov\u011b\u0159ov\u00e1n\u00ed kredibility partner\u016f, zvl\u00e1dnut\u00fd risk management a spr\u00e1vn\u011b nastaven\u00e9 cash flow s\u00a0dostate\u010dnou finan\u010dn\u00ed rezervou, kter\u00e1 dok\u00e1\u017ee platebn\u00ed schopnost podniku v\u00a0p\u0159\u00edpad\u011b pot\u0159eby na n\u011bkolik t\u00fddn\u016f a\u017e m\u011bs\u00edc\u016f udr\u017eet. Ne v\u017edy se v\u0161ak d\u00e1t \u00fapadek obchodn\u00edho partnera p\u0159edv\u00eddat. Proto se vyplat\u00ed vztahy s\u00a0partnery smluvn\u011b o\u0161et\u0159it a ve\u0161ker\u00e9 dodavatelsko-odb\u011bratelsk\u00e9 podklady evidovat, co\u017e zvy\u0161uje \u0161anci na \u00fasp\u011bch u soudu. V\u00a0opa\u010dn\u00e9m p\u0159\u00edpad\u011b se vymahatelnost pohled\u00e1vek v\u00a0oblasti B2B sni\u017euje o des\u00edtky procent.<\/p>\n","protected":false},"excerpt":{"rendered":"

Obce v\u00a0\u010cesk\u00e9 republice p\u0159ich\u00e1zej\u00ed o podstatn\u00e9 p\u0159\u00edjmy do sv\u00fdch rozpo\u010dt\u016f, jeliko\u017e nedok\u00e1\u017eou \u0159e\u0161it pohled\u00e1vky za drobn\u00e9 komun\u00e1ln\u00ed slu\u017eby, jako je svoz odpadu, pokuty za \u0161patn\u00e9 […]<\/a><\/p>\n<\/div>","protected":false},"author":2,"featured_media":2008,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[],"class_list":["post-2007","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-it"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2007","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2007"}],"version-history":[{"count":1,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2007\/revisions"}],"predecessor-version":[{"id":2009,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2007\/revisions\/2009"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/media\/2008"}],"wp:attachment":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2007"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2007"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2007"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}