30.1.2024 \u2013 Platenie fakt\u00far a z\u00e1v\u00e4zkov v riadnom term\u00edne sa na Slovensku v minulom roku zhor\u0161ilo. M\u00f4\u017ee za to \u00fatlm ekonomiky, predch\u00e1dzaj\u00faci n\u00e1rast \u00farokov\u00fdch sadzieb ale aj vy\u010derpan\u00fd trh pr\u00e1ce.<\/p>\n\n\n\n
Vyhliadky na zlep\u0161enia platobnej mor\u00e1lky podnikov nie s\u00fa pr\u00edli\u0161 optimistick\u00e9. Pokia\u013e sa v\u0161ak ekonomika vr\u00e1ti k rastu a \u00farokov\u00e9 sadzby cite\u013enej\u0161ie klesn\u00fa, tak by u\u017e bud\u00faci rok mohlo pr\u00eds\u0165 k v\u00fdraznej\u0161iemu zlomu.<\/p>\n\n\n\n
\u201ePlatobn\u00e1 mor\u00e1lka odberate\u013eov sa v priebehu minul\u00e9ho roka postupne zhor\u0161ovala najm\u00e4 v porovnan\u00ed s rokmi 2021 a 2022. Naopak, v porovnan\u00ed s rokmi 2018 a 2019 je situ\u00e1cia porovnate\u013en\u00e1,\u201c<\/em> pribl\u00ed\u017eil situ\u00e1ciu analytik riz\u00edk spolo\u010dnosti Bibby Factoring Slovakia Ond\u0159ej Make\u0161. Za zhor\u0161uj\u00facu sa platobn\u00fa mor\u00e1lku m\u00f4\u017ee pod\u013ea ekon\u00f3mov v\u0161eobecne nieko\u013eko faktorov.<\/p>\n\n\n\n \u201eV prvom rade je na vine pokles ekonomiky. T\u00fa s\u0165ahuje dole najm\u00e4 pomerne slab\u00e1 spotreba dom\u00e1cnost\u00ed, ale aj neistota medzi investormi. Z\u00e1rove\u0148 s t\u00fdm sa zhor\u0161uje finan\u010dn\u00e1 situ\u00e1cia odberate\u013eov, ktor\u00ed preto v rast\u00facej miere hradia svoje z\u00e1v\u00e4zky po splatnosti \u010di vykazuj\u00fa in\u00e9 zn\u00e1mky zhor\u0161ovania platobnej mor\u00e1lky,\u201c<\/em> vysvetil hlavn\u00fd ekon\u00f3m Trinity Bank Luk\u00e1\u0161 Kovanda.<\/p>\n\n\n\n \u010eal\u0161\u00edm d\u00f4vodom popri \u00fatlme ekonomiky je v\u00fdrazn\u00fd rast \u00farokov\u00fdch sadzieb v uplynul\u00fdch rokoch. Kv\u00f4li tomu je spl\u00e1canie \u00faverov, ktor\u00e9 sa takisto podie\u013ea na platobnej mor\u00e1lke, samozrejme, zlo\u017eitej\u0161ie. Okrem toho ovplyv\u0148uje platobn\u00fa mor\u00e1lku e\u0161te jeden faktor. A t\u00fdm je vy\u010derpan\u00fd trh pr\u00e1ce. Kv\u00f4li nedostatku kvalifikovanej pracovnej sily rastie firm\u00e1m po\u010det nedokon\u010den\u00fdch z\u00e1kaziek. Predl\u017euj\u00fa sa lehoty ich dokon\u010denia, a t\u00fdm p\u00e1dom sa predra\u017euje aj ich realiz\u00e1cia.<\/p>\n\n\n\n Pod\u013ea v\u00fdskumu Global Business Monitor 2023 sa 35 % mal\u00fdch a stredn\u00fdch podnikov na konci minul\u00e9ho roku stretlo s probl\u00e9mami s platbami z\u00e1kazn\u00edkov, a to v priemernej v\u00fd\u0161ke 19 482 eur. Rovnak\u00fd podiel spolo\u010dnost\u00ed prizn\u00e1va aj to, \u017ee ich partneri \u010di klienti za\u010d\u00ednaj\u00fa finan\u010dne trpie\u0165. Z\u00e1stupcovia polovice mal\u00fdch a stredn\u00fdch firiem zas uviedli, \u017ee im z\u00e1kazn\u00edci teraz platia za fakt\u00fary nesk\u00f4r ako pred rokom. Vlani pritom z\u00e1kazn\u00edci platili klientom v priemere 14 dn\u00ed po term\u00edne splatnosti.<\/p>\n\n\n\n Okrem podnikov prekra\u010duje lehoty splatnosti aj \u0161t\u00e1t, obce a \u0161t\u00e1tne podniky. Najlep\u0161iu platobn\u00fa mor\u00e1lku maj\u00fa v\u00e4\u010d\u0161inou \u017eivnostn\u00edci a najmen\u0161iu spolo\u010dnosti do 10 zamestnancov. Rozdiely s\u00fa aj v jednotliv\u00fdch odboroch.<\/p>\n\n\n\n \u201eHor\u0161iu platobn\u00fa mor\u00e1lku je vidie\u0165 v odboroch s dlhodobo vy\u0161\u0161\u00edm tlakom na cashflow, ako je autodoprava. Drah\u0161ie \u00favery zas mali vplyv na stavebn\u00edctvo. Naopak, vzh\u013eadom na stabiliz\u00e1ciu dod\u00e1vate\u013esk\u00fdch re\u0165azcov sa zlep\u0161ila platobn\u00e1 mor\u00e1lka v sektore spracovate\u013esk\u00e9ho priemyslu alebo stroj\u00e1rstve,\u201c<\/em> doplnil Make\u0161.<\/p>\n\n\n\n Pod\u013ea neho sa pritom situ\u00e1cia nezlep\u0161\u00ed ani v tomto roku. Dokonca predpoved\u00e1 sk\u00f4r \u010fal\u0161ie zhor\u0161enie.<\/p>\n\n\n\n \u201e\u00datlm ekonomickej aktivity sa \u010falej pres\u00fava do priemyseln\u00fdch odvetv\u00ed a pokra\u010duje cez ve\u013ek\u00fa \u010das\u0165 Eur\u00f3py. Pre tento rok preto o\u010dak\u00e1vame trend postupne sa zhor\u0161uj\u00facej platobnej mor\u00e1lky v r\u00e1mci absol\u00fatnej v\u00e4\u010d\u0161iny odborov,\u201c<\/em> skon\u0161tatoval. Kovanda je v\u0161ak v predpovediach optimistickej\u0161\u00ed, ke\u010f o\u010dak\u00e1va postupn\u00e9 zlep\u0161ovanie platobnej mor\u00e1lky, ale sk\u00f4r a\u017e od bud\u00faceho roka.<\/p>\n\n\n\n Bibby Factoring Slovakia poskytuje financovanie mal\u00fdm a stredn\u00fdm podnikate\u013eom.<\/p>\n","protected":false},"excerpt":{"rendered":" 30.1.2024 \u2013 Platenie fakt\u00far a z\u00e1v\u00e4zkov v riadnom term\u00edne sa na Slovensku v minulom roku zhor\u0161ilo. M\u00f4\u017ee za to \u00fatlm ekonomiky, predch\u00e1dzaj\u00faci n\u00e1rast \u00farokov\u00fdch sadzieb … <\/p>\n","protected":false},"author":1,"featured_media":855,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[260],"tags":[],"class_list":["post-854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-spravy"],"_links":{"self":[{"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=\/wp\/v2\/posts\/854","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=854"}],"version-history":[{"count":2,"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=\/wp\/v2\/posts\/854\/revisions"}],"predecessor-version":[{"id":918,"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=\/wp\/v2\/posts\/854\/revisions\/918"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=\/wp\/v2\/media\/855"}],"wp:attachment":[{"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=854"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=854"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.chcemzamestnanie.sk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=854"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}V\u00fdrazn\u00fd rast \u00farokov\u00fdch sadzieb a vy\u010derpan\u00fd trh pr\u00e1ce<\/h2>\n\n\n\n
Najlep\u0161ie s\u00fa na tom \u017eivnostn\u00edci<\/h2>\n\n\n\n
Kedy sa platobn\u00e1 mor\u00e1lka zlep\u0161\u00ed?<\/h2>\n\n\n\n