{"id":2173,"date":"2023-11-06T08:11:15","date_gmt":"2023-11-06T08:11:15","guid":{"rendered":"https:\/\/www.czechbankingnews.cz\/?p=2173"},"modified":"2023-11-06T10:04:16","modified_gmt":"2023-11-06T10:04:16","slug":"ceskym-firmam-se-vcas-zaplati-mene-nez-polovina-faktur","status":"publish","type":"post","link":"https:\/\/www.czechbankingnews.cz\/?p=2173","title":{"rendered":"Firm\u00e1m se v\u010das zaplat\u00ed m\u00e9n\u011b ne\u017e polovina faktur"},"content":{"rendered":"

Slo\u017eit\u00e1 ekonomick\u00e1 situace znamen\u00e1 pro mal\u00e9 a st\u0159edn\u00ed podniky v \u010cesku vy\u0161\u0161\u00ed rizika spojen\u00e1 s jejich finan\u010dn\u00edm zdrav\u00edm. Pat\u0159\u00ed sem nap\u0159\u00edklad sekund\u00e1rn\u00ed platebn\u00ed neschopnost a n\u00e1sledn\u00e1 spir\u00e1la zadlu\u017een\u00ed. <\/strong><\/p>\n

Existuj\u00ed v\u0161ak zp\u016fsoby, jak finan\u010dn\u00ed zdrav\u00ed sv\u00e9 firmy chr\u00e1nit, p\u0159ipom\u00edn\u00e1 spole\u010dnost Rekenber. Pomoci mohou strategick\u00e9 kroky, jako je diverzifikace odb\u011bratel\u016f, ale tak\u00e9 modern\u00ed technologie.<\/p>\n

Platebn\u00ed mor\u00e1lka firem v\u00a0oblasti B2B je nejhor\u0161\u00ed za osm let, ukazuj\u00ed pr\u016fzkumy. Podle Barometru platebn\u00ed mor\u00e1lky se s\u00a0pozdn\u011b zaplacenou fakturou v\u00a0posledn\u00edm roce setkalo cel\u00fdch 85 % firem ve v\u00fdchodn\u00ed Evrop\u011b v\u010detn\u011b \u010ceska. A\u017e \u010dtvrtina firem proto p\u0159\u00ed\u0161t\u00ed rok o\u010dek\u00e1v\u00e1 zhor\u0161en\u00ed doby pr\u016fm\u011brn\u00e9 \u00fahrady faktur a potenci\u00e1ln\u00ed nedostatek hotovosti. To m\u016f\u017ee v\u00e9st a\u017e k\u00a0druhotn\u00e9 platebn\u00ed neschopnosti, kterou bylo v\u00a0roce 2020 podle odhad\u016f Ministerstva financ\u00ed ohro\u017eena cel\u00e1 t\u0159etina \u010desk\u00fdch podnik\u016f. P\u0159esto\u017ee se jednalo o krizov\u00fd covidov\u00fd rok, sou\u010dasn\u00e9 trendy ukazuj\u00ed, \u017ee ekonomick\u00e1 situace je pro firmy st\u00e1le slo\u017eit\u00e1.<\/p>\n

\u201ePodle na\u0161eho vlastn\u00edho pr\u016fzkumu a historick\u00fdch dat Insolven\u010dn\u00edho rejst\u0159\u00edku \u010cR existuje asi 1\u00a0500 p\u0159\u00edpad\u016f \u00fapadku, kdy se samotn\u00fd dlu\u017en\u00edk nach\u00e1zel z\u00e1rove\u0148 v pozici v\u011b\u0159itele a dr\u017eel uznan\u00e9 pohled\u00e1vky v\u016f\u010di jin\u00fdm firm\u00e1m v insolvenci. Pokud to zjednodu\u0161\u00edme a budeme tyto firmy pova\u017eovat za subjekty, je\u017e se ocitly v\u00a0druhotn\u00e9 platebn\u00ed neschopnosti, zjist\u00edme, \u017ee jejich po\u010det je nezanedbateln\u00fd. Podniky s vlastn\u00edmi p\u0159ihl\u00e1\u0161en\u00fdmi pohled\u00e1vkami v\u00a0minim\u00e1ln\u00ed v\u00fd\u0161i 100 tis\u00edc korun tvo\u0159\u00ed cel\u00fdch 10 % v\u0161ech firemn\u00edch insolvenc\u00ed,\u201c <\/em>vysv\u011btluje Peter Zvirinsk\u00fd, zakladatel spole\u010dnosti Rekenber.<\/p>\n

\u201ePo\u010det v\u011bt\u0161\u00edch sekund\u00e1rn\u00edch insolvenc\u00ed je takt\u00e9\u017e v\u00fdrazn\u00fd. Jejich pod\u00edl na celkov\u00fdch firemn\u00edch insolvenc\u00edch se pohyboval kolem 4,5 % u v\u00fd\u0161e pohled\u00e1vek alespo\u0148 1 milion korun a 1,5 % u v\u00fd\u0161e pohled\u00e1vek alespo\u0148 10 milion\u016f korun,\u201c<\/em> dod\u00e1v\u00e1 Zvirinsk\u00fd.<\/p>\n

Nedodr\u017een\u00ed splatnosti je b\u011b\u017enou prax\u00ed<\/strong><\/p>\n

Podle Coface, glob\u00e1ln\u00edho leadera v oblasti poji\u0161t\u011bn\u00ed pohled\u00e1vek, je nap\u0159.\u00a0v\u00a0sousedn\u00edm N\u011bmecku\u00a0po splatnosti uhrazeno a\u017e 65 % v\u0161ech faktur, p\u0159i\u010dem\u017e pr\u016fm\u011brn\u00e1 d\u00e9lka zpo\u017ed\u011bn\u00ed \u00fahrady je 29 dn\u00ed. V\u011bt\u0161ina firem p\u0159itom o\u010dek\u00e1v\u00e1 zhor\u0161en\u00ed platebn\u00ed discipl\u00edny v nadch\u00e1zej\u00edc\u00edch letech, a to a\u017e na \u00farovn\u011b p\u0159ed pandemi\u00ed, kdy se do prodlen\u00ed dostalo a\u017e 80 % v\u0161ech plateb.\u00a0“Vzhledem k vysok\u00e9 propojenosti ekonomik je proto mo\u017en\u00e9 o\u010dek\u00e1vat podobn\u00fd trend i v \u010cesk\u00e9 republice”,<\/em> dod\u00e1v\u00e1 Martin Ambler, \u0159editel analytick\u00e9ho odd\u011blen\u00ed spole\u010dnosti Coface.<\/p>\n

\u201eFirma obvykle n\u011bjakou dobu \u010dek\u00e1, ne\u017e po\u0161le sv\u00e9mu odb\u011brateli upom\u00ednku na nezaplacenou fakturu \u2013 v\u011bt\u0161inou 14 dn\u00ed a\u017e m\u011bs\u00edc. Pokud platba nep\u0159ijde dal\u0161\u00edch 30 dn\u00ed, m\u016f\u017eeme to pova\u017eovat za jak\u00fdsi miln\u00edk. Od t\u00e9 chv\u00edle se dot\u010den\u00e1 firma sna\u017e\u00ed pohled\u00e1vku aktivn\u011bji vym\u00e1hat, pos\u00edlat upom\u00ednky, kontaktovat odb\u011bratele telefonicky \u010di vyu\u017e\u00edvat jin\u00e9 vlastn\u00ed mimosoudn\u00ed prost\u0159edky. Ve chv\u00edli, kdy je pohled\u00e1vka v\u00edce ne\u017e 90 dn\u00ed po splatnosti, p\u0159ich\u00e1z\u00ed na \u0159adu mo\u017enost soudn\u00edho vym\u00e1h\u00e1n\u00ed. Zde pak z\u00e1le\u017e\u00ed, zda v\u00fd\u0161e dlu\u017en\u00e9 \u010d\u00e1stky a jej\u00ed v\u00fdznam pro cash flow motivuje firmu k\u00a0soudn\u00edmu \u0159e\u0161en\u00ed, anebo pohled\u00e1vku rad\u011bji odep\u00ed\u0161e,\u201c<\/em> popisuje \u017eivotn\u00ed cyklus nesplacen\u00e9 faktury Bohdan Hem\u017eal, druh\u00fd ze zakladatel\u016f spole\u010dnosti Rekenber.<\/p>\n

P\u011bt z\u00e1sad, kter\u00e9 pomohou udr\u017eet podnik v kondici<\/strong><\/p>\n

Existuj\u00ed zp\u016fsoby, jak sekund\u00e1rn\u00ed platebn\u00ed neschopnosti p\u0159edch\u00e1zet. Spole\u010dnost Rekenber sestavila p\u011bt z\u00e1sad, kter\u00e9 firm\u00e1m pomohou udr\u017eet finan\u010dn\u00ed zdrav\u00ed a eliminovat rizika nesplacen\u00fdch pohled\u00e1vek.<\/p>\n

    \n
  1. Diverzifikace odb\u011bratel\u016f<\/strong><\/li>\n<\/ol>\n

    \u00da\u010dinnou prevenc\u00ed druhotn\u00e9 platebn\u00ed neschopnosti je diverzifikace odb\u011bratel\u016f, zejm\u00e9na pokud je firma jinak finan\u010dn\u011b stabiln\u00ed a zdrav\u00e1. V\u00a0podm\u00ednk\u00e1ch klesaj\u00edc\u00ed ekonomiky je z\u00e1vislost na jednom nebo velmi mal\u00e9m po\u010dtu strategick\u00fdch z\u00e1kazn\u00edk\u016f rizikov\u00e1. Pokud se firma dok\u00e1\u017ee diverzifikovat sv\u00e9 odb\u011bratele, je mo\u017en\u00e9 p\u0159edej\u00edt mnoha probl\u00e9m\u016fm.<\/p>\n

      \n
    1. Prov\u011b\u0159ov\u00e1n\u00ed kredibility odb\u011bratel\u016f<\/strong><\/li>\n<\/ol>\n

      Existuj\u00ed i p\u0159\u00edpady, kdy diverzifikace odb\u011bratel\u016f nen\u00ed mo\u017en\u00e1, p\u0159\u00edpadn\u011b se kv\u016fli nep\u0159\u00edzniv\u00e9 ekonomick\u00e9 situaci dostane do insolvence podstatn\u00e1 \u010d\u00e1st jinak diverzifikovan\u00e9ho portfolia odb\u011bratel\u016f. V takov\u00e9m p\u0159\u00edpad\u011b je vhodnou prevenc\u00ed jejich prov\u011b\u0159en\u00ed p\u0159ed uzav\u0159en\u00edm smlouvy.<\/p>\n

      Z\u00e1kladn\u00ed prov\u011brka obchodn\u00edch partner\u016f by m\u011bla zahrnovat alespo\u0148 kontrolu ve ve\u0159ejn\u00fdch registrech, jako jsou insolven\u010dn\u00ed rejst\u0159\u00edk, obchodn\u00ed rejst\u0159\u00edk, centr\u00e1ln\u00ed evidence exekuc\u00ed \u010di katastr nemovitost\u00ed (kv\u016fli ov\u011b\u0159en\u00ed exekuc\u00ed a z\u00e1stav). Alternativou k vlastn\u00edmu hled\u00e1n\u00ed je pak komplexn\u00ed kreditn\u00ed report od specializovan\u00fdch poskytovatel\u016f nebo hloubkov\u00e9 prov\u011b\u0159en\u00ed p\u0159i v\u00fdznamn\u011bj\u0161\u00edch kontraktech.<\/p>\n

        \n
      1. Po\u0159\u00e1dek v\u00a0dokladech<\/strong><\/li>\n<\/ol>\n

        Evidence faktur, kvalitn\u00ed dokumentace, po\u0159\u00e1dek ve smlouv\u00e1ch. Tyto oblasti sice samy o sob\u011b nezabr\u00e1n\u00ed nesplacen\u00ed pohled\u00e1vek, ale na druh\u00e9 stran\u011b usnadn\u00ed jejich p\u0159\u00edpadn\u00e9 vym\u00e1h\u00e1n\u00ed a zvy\u0161uj\u00ed \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. N\u00e1strojem, kter\u00fd naopak p\u0159\u00edmo zabra\u0148uje finan\u010dn\u00ed ztr\u00e1t\u011b, je poji\u0161t\u011bn\u00ed pohled\u00e1vek. Na trhu existuje v\u00edcero bank poskytuj\u00edc\u00edch bankovn\u00ed z\u00e1ruky pro sv\u00e9 klienty nebo poskytovatel\u016f poji\u0161t\u011bn\u00ed obchodn\u00edch pohled\u00e1vek.<\/p>\n

          \n
        1. Dostate\u010dn\u00e1 finan\u010dn\u00ed rezerva a finan\u010dn\u00ed \u0159\u00edzen\u00ed<\/strong><\/li>\n<\/ol>\n

          Dostate\u010dn\u00e1 finan\u010dn\u00ed rezerva a spr\u00e1vn\u011b nastaven\u00e9 cash flow jsou \u00fa\u010dinn\u00fdm prost\u0159edkem proti sekund\u00e1rn\u00ed platebn\u00ed neschopnosti. Oboj\u00ed nastavte ve sv\u00e9 firm\u011b, pokud mo\u017eno tak, aby bylo mo\u017en\u00e9 udr\u017eet platebn\u00ed schopnost podniku n\u011bkolik t\u00fddn\u016f a\u017e m\u011bs\u00edc\u016f v\u00a0p\u0159\u00edpad\u011b, \u017ee dojde k\u00a0nesplacen\u00ed jedn\u00e9 nebo n\u011bkolika d\u016fle\u017eit\u00fdch faktur. Z\u00e1kladem je samoz\u0159ejm\u011b finan\u010dn\u00ed strategie, kter\u00e1 se neust\u00e1le adaptuje na aktu\u00e1ln\u00ed situaci, i d\u016fkladn\u00fd monitoring a kontrola vlastn\u00edch \u00fav\u011br\u016f a pohled\u00e1vek.<\/p>\n

            \n
          1. Efektivn\u00ed spr\u00e1va pohled\u00e1vek <\/strong><\/li>\n<\/ol>\n

            I p\u0159i pe\u010dliv\u00e9 prov\u011brce a dodr\u017eov\u00e1n\u00ed v\u0161ech v\u00fd\u0161e uveden\u00fdch z\u00e1sad je mo\u017en\u00e9, \u017ee se p\u016fvodn\u011b spolehliv\u00fd partner \u010dasem dostane do probl\u00e9m\u016f. I proto je z\u00e1sadn\u00ed je pr\u016fb\u011b\u017en\u00fd monitoring b\u011bhem trv\u00e1n\u00ed obchodn\u00edch vztah\u016f. Umo\u017en\u00ed toti\u017e firm\u011b v\u010das zachytit riziko a podniknout adekv\u00e1tn\u00ed opat\u0159en\u00ed. Stabilit\u011b firmy pom\u016f\u017ee tak\u00e9 efektivn\u00ed spr\u00e1va pohled\u00e1vek.<\/p>\n

            Modern\u00ed technologie, kter\u00e9 t\u0159eba vyu\u017e\u00edv\u00e1me u n\u00e1s v Rekenberu, umo\u017enuj\u00ed efektivn\u00ed anal\u00fdzu a individu\u00e1ln\u00ed posouzen\u00ed dluhov\u00e9 situace. Ve spojen\u00ed s end-to-end slu\u017ebou vym\u00e1h\u00e1n\u00ed pohled\u00e1vek je v\u00fdsledkem dynamick\u00e1 strategie a proces k z\u00edsk\u00e1n\u00ed cel\u00e9 dlu\u017en\u00e9 \u010d\u00e1stky v krat\u0161\u00edm \u010dase a bez zhor\u0161en\u00ed vztahu s vym\u00e1hanou protistranou. Firemn\u00ed v\u011b\u0159itel\u00e9 jsou tak \u201codb\u0159emen\u011bny\u201c od administrativn\u00edch n\u00e1klad\u016f a nutnosti orientov\u00e1n\u00ed se ve specifick\u00e9 pr\u00e1vn\u00ed \u00faprav\u011b spr\u00e1vy pohled\u00e1vek,” <\/em>\u0159\u00edk\u00e1 Bohdan Hem\u017eal.<\/p>\n

            V\u00fdznam takov\u00fdch \u0159e\u0161en\u00ed nep\u0159\u00edmo potvrzuje aktu\u00e1ln\u00ed i Barometr platebn\u00ed mor\u00e1lky. Nej\u010dast\u011bj\u0161\u00ed odpov\u011b\u010f na ot\u00e1zku, jak\u00e1 opat\u0159en\u00ed firmy pl\u00e1nuj\u00ed v\u00a0oblasti minimalizace rizik spojen\u00fdch s\u00a0n\u00edzkou platebn\u00ed mor\u00e1lkou sv\u00fdch odb\u011bratel\u016f, zn\u011bla: Zv\u00fd\u0161en\u00ed \u010dasu, n\u00e1klad\u016f a zdroj\u016f vynalo\u017een\u00fdch na vym\u00e1h\u00e1n\u00ed faktur po splatnosti. <\/em>Pr\u00e1v\u011b \u00fa\u010dinn\u011bj\u0161\u00ed a automatizovan\u011bj\u0161\u00ed spr\u00e1va pohled\u00e1vek m\u016f\u017ee firm\u00e1m pomoci efektivn\u011bji prom\u011bnit faktury na hotov\u00e9 pen\u00edze, eliminovat hrozbu sekund\u00e1rn\u00ed platebn\u00ed neschopnosti a udr\u017eet se finan\u010dn\u011b v\u00a0kondici.<\/p>\n","protected":false},"excerpt":{"rendered":"

            Slo\u017eit\u00e1 ekonomick\u00e1 situace znamen\u00e1 pro mal\u00e9 a st\u0159edn\u00ed podniky v \u010cesku vy\u0161\u0161\u00ed rizika spojen\u00e1 s jejich finan\u010dn\u00edm zdrav\u00edm. Pat\u0159\u00ed sem nap\u0159\u00edklad sekund\u00e1rn\u00ed platebn\u00ed neschopnost a […]<\/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":[32],"tags":[],"class_list":["post-2173","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2173","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=2173"}],"version-history":[{"count":2,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2173\/revisions"}],"predecessor-version":[{"id":2175,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=\/wp\/v2\/posts\/2173\/revisions\/2175"}],"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=2173"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2173"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.czechbankingnews.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2173"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}