{"id":2698,"date":"2024-12-06T12:31:11","date_gmt":"2024-12-06T11:31:11","guid":{"rendered":"https:\/\/ez.cz\/?p=2698"},"modified":"2024-12-06T12:31:12","modified_gmt":"2024-12-06T11:31:12","slug":"podnikatele-brzdi-v-expanzi-bankovni-byrokracie","status":"publish","type":"post","link":"https:\/\/www.ez.cz\/?p=2698","title":{"rendered":"Podnikatele brzd\u00ed v\u00a0expanzi bankovn\u00ed byrokracie"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Cesta k&nbsp;z\u00edsk\u00e1n\u00ed bankovn\u00edho \u00fav\u011bru m\u016f\u017ee b\u00fdt slo\u017eit\u00e1, zejm\u00e9na pro za\u010d\u00ednaj\u00edc\u00ed podnikatele. N\u00e1ro\u010dn\u00e1 administrativa a nedostate\u010dn\u00e1 komunikace ze strany bank je pro mal\u00e9 a st\u0159edn\u00ed firmy demotivuj\u00edc\u00edm faktorem pro expanzi podnik\u00e1n\u00ed podpo\u0159enou z&nbsp;\u00fav\u011brov\u00fdch zdroj\u016f. S&nbsp;jak\u00fdmi probl\u00e9my se podnikatel\u00e9 p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku pot\u00fdkaj\u00ed nej\u010dast\u011bji?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Ciz\u00ed zdroj financov\u00e1n\u00ed<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z\u00edsk\u00e1n\u00ed <a href=\"https:\/\/mojenebankovka.cz\/pujcka-pro-podnikatele\/\">p\u016fj\u010dky je pro podnikatel<\/a>e \u010dasto z\u00e1sadn\u00edm krokem, kter\u00fd ovliv\u0148uje rozvoj i udr\u017een\u00ed podnik\u00e1n\u00ed. P\u0159i \u017e\u00e1dosti o \u00fav\u011br je v\u0161ak na podnikatele st\u00e1le nahl\u00ed\u017eeno jako na rizikov\u00e9 partnery z&nbsp;d\u016fvodu nap\u0159\u00edklad sezonn\u00edch v\u00fdkyv\u016f v&nbsp;p\u0159\u00edjmech nebo nedostate\u010dn\u00e9 v\u00fd\u0161i zisku uveden\u00e9ho v&nbsp;da\u0148ov\u00e9m p\u0159izn\u00e1n\u00ed. Jindy m\u016f\u017ee vadit obor podnik\u00e1n\u00ed nebo kr\u00e1tk\u00e1 historie firmy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Minimalizace rizik pro v\u011b\u0159itele<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">B\u011b\u017en\u00e1 \u017e\u00e1dost o poskytnut\u00ed \u00fav\u011bru je v&nbsp;tradi\u010dn\u00edch bank\u00e1ch pe\u010dliv\u011b prov\u011b\u0159ov\u00e1na. Banky se sna\u017e\u00ed minimalizovat rizika s&nbsp;nespl\u00e1cen\u00edm p\u016fj\u010dky a naplnit ve\u0161ker\u00e9 regula\u010dn\u00ed po\u017eadavky na poskytov\u00e1n\u00ed \u00fav\u011br\u016f. Intern\u00ed schvalovac\u00ed procesy mohou zahrnovat n\u011bkolik \u00farovn\u00ed, d\u00e1le se m\u016f\u017ee \u010dekat na posudky od extern\u00edch spolupracovn\u00edk\u016f (znalc\u016f). Bohu\u017eel to ale znamen\u00e1, \u017ee mikro, mal\u00e9 a st\u0159edn\u00ed podniky maj\u00ed zt\u00ed\u017een\u00fd p\u0159\u00edstup k&nbsp;ciz\u00edmu finan\u010dn\u00edmu zdroji, kter\u00fd je d\u016fle\u017eit\u00fd pro pokryt\u00ed provozn\u00edch v\u00fddaj\u016f nap\u0159\u00edklad v&nbsp;dob\u011b v\u00fdpadku p\u0159\u00edjm\u016f, p\u0159i sezonnosti nebo pokud pot\u0159ebuj\u00ed financovat novou investi\u010dn\u00ed p\u0159\u00edle\u017eitost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Administrativn\u00ed n\u00e1ro\u010dnost z\u00edsk\u00e1n\u00ed p\u016fj\u010dky<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podnikatel\u00e9 si nej\u010dast\u011bji zt\u011b\u017euj\u00ed na to, \u017ee vy\u0159\u00edzen\u00ed \u017e\u00e1dosti o p\u016fj\u010dku trv\u00e1 dlouh\u00e9 t\u00fddny a \u010dasto si banka vy\u017e\u00e1d\u00e1 dal\u0161\u00ed a dal\u0161\u00ed dokumenty. Podnikatelsk\u00e9 prost\u0159ed\u00ed je v\u0161ak dynamick\u00e9 a vy\u017eaduje rychlou reakci p\u0159i v\u00fdpadku p\u0159\u00edjm\u016f. Dal\u0161\u00edm probl\u00e9mem b\u00fdvaj\u00ed ne\u010diteln\u00e9 schvalovac\u00ed procesy. Podnikatel\u00e9 nikdy p\u0159edem nev\u00ed, jak\u00e1 v\u00fd\u0161e obrat\u016f na \u00fa\u010dtu je dostate\u010dn\u00e1, jak vysok\u00fd by m\u011bli vyk\u00e1zat zisk (pro pot\u0159eby p\u016fj\u010dky), jak\u00e9 dokumenty budou muset p\u0159edkl\u00e1dat pro schv\u00e1len\u00ed ani kolik let historie podniku je pova\u017eov\u00e1no za dostate\u010dnou a stabiln\u00ed. P\u0159ipravit ve\u0161kerou dokumentaci, kterou banky po\u017eaduj\u00ed, je n\u00e1ro\u010dn\u00e9 finan\u010dn\u011b i \u010dasov\u011b.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Posuzov\u00e1n\u00ed p\u0159edlo\u017een\u00fdch podklad\u016f prob\u00edh\u00e1 podle intern\u00edch krit\u00e9ri\u00ed banky, ta nejsou zn\u00e1m\u00e1 a nen\u00ed mo\u017en\u00e9 vz\u00edt v&nbsp;\u00favahu individu\u00e1ln\u00ed situaci konkr\u00e9tn\u00edho podnikatele.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Administrativn\u00ed z\u00e1t\u011b\u017e p\u0159i \u017e\u00e1dosti o bankovn\u00ed \u00fav\u011br<\/em><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Historie podnik\u00e1n\u00ed<\/strong> \u2013 v\u00fdpis z\u00a0obchodn\u00edho rejst\u0159\u00edku, \u017eivnostensk\u00fd list, doklady o aktivn\u00edm podnik\u00e1n\u00ed.<\/li>\n\n\n\n<li><strong>Finan\u010dn\u00ed v\u00fdkazy<\/strong> \u2013 da\u0148ov\u00e1 p\u0159izn\u00e1n\u00ed, \u00fa\u010detn\u00ed z\u00e1v\u011brky, cash-flow, soupis vystaven\u00fdch faktur.<\/li>\n\n\n\n<li><a href=\"https:\/\/mojenebankovka.cz\/podnikatelsky-zamer-vzor\/\"><strong>Podnikatelsk\u00fd pl\u00e1n<\/strong><\/a> \u2013 anal\u00fdza trhu, konkurence, strategie rozvoje, finan\u010dn\u00ed pl\u00e1n.<\/li>\n\n\n\n<li><strong>Ru\u010den\u00ed <\/strong>\u2013 podm\u00ednka ru\u010den\u00ed nebo z\u00e1stavy za podnikatelsk\u00fd \u00fav\u011br.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Minim\u00e1ln\u00ed komunikace<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nespo\u010det podnikatel\u016f uv\u00e1d\u00ed, \u017ee p\u0159i \u017e\u00e1dosti o \u00fav\u011br nebyli spokojeni s&nbsp;komunikac\u00ed ze strany banky. Po\u017eadavky na kvalitu a obsah p\u0159edkl\u00e1dan\u00fdch dokument\u016f byly nejasn\u00e9, nedost\u00e1vali informace ohledn\u011b pr\u016fb\u011b\u017en\u00e9ho stavu \u017e\u00e1dosti a p\u0159edem nev\u011bd\u011bli, jak dlouho bude schvalovac\u00ed proces trvat. Pokud jim byla \u017e\u00e1dost o \u00fav\u011br zam\u00edtnuta, nebyli informov\u00e1ni o d\u016fvodu zam\u00edtnut\u00ed. N\u011bkte\u0159\u00ed se dokonce setk\u00e1vali se zm\u011bnami po\u017eadavk\u016f v&nbsp;pr\u016fb\u011bhu vy\u0159izov\u00e1n\u00ed \u017e\u00e1dosti a s&nbsp;nutnost\u00ed p\u0159edlo\u017eit dal\u0161\u00ed a dal\u0161\u00ed dokumentaci.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Omezen\u00ed v&nbsp;p\u0159\u00edstupu k&nbsp;ciz\u00edm zdroj\u016fm<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Z&nbsp;d\u016fvodu dlouh\u00fdch schvalovac\u00edch proces\u016f nebo zam\u00edtnut\u00ed \u017e\u00e1dosti mohou podnikatel\u00e9 zme\u0161kat investi\u010dn\u00ed p\u0159\u00edle\u017eitost nebo se dostat do platebn\u00ed neschopnosti. Finan\u010dn\u00ed z\u00e1t\u011b\u017e\u00ed u\u017e je samotn\u00e1 p\u0159\u00edprava nutn\u00e9 dokumentace \u010dasto spojen\u00e1 s&nbsp;poplatky za pr\u00e1vn\u00ed slu\u017eby. Nejistota vede podnikatele do stresov\u00fdch situac\u00ed, ohro\u017euje zam\u011bstnance podniku i obchodn\u00ed partnery.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0158e\u0161en\u00edm jsou nebankovn\u00ed \u00fav\u011bry od spole\u010dnost\u00ed, kter\u00e9 se specializuj\u00ed na podnikatelsk\u00e9 p\u016fj\u010dky. U \u00fav\u011br\u016f je mo\u017en\u00e9 \u017e\u00e1dat o vysok\u00fd limit p\u016fj\u010dky a rozlo\u017eit dobu spl\u00e1cen\u00ed na des\u00edtky let. \u017d\u00e1dosti jsou posuzov\u00e1ny individu\u00e1ln\u011b a v&nbsp;\u0159\u00e1du dn\u00ed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Efektivn\u00ed syst\u00e9m \u017e\u00e1dosti o \u00fav\u011br<\/em><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Podnikatel\u00e9 se shoduj\u00ed, \u017ee preferuj\u00ed banky, se kter\u00fdmi mohou komunikovat online a kter\u00e9 vyu\u017e\u00edvaj\u00ed automatick\u00e9 schvalovac\u00ed syst\u00e9my. Z\u00e1rove\u0148 by uv\u00edtali, kdyby mohli pr\u016fb\u011bh \u017e\u00e1dosti sledovat v&nbsp;klientsk\u00e9 z\u00f3n\u011b. \u00dav\u011bry by m\u011bly b\u00fdt poskytov\u00e1ny podnikatel\u016fm podle individu\u00e1ln\u00edho posouzen\u00ed situace, neohl\u00ed\u017eet se pouze na historick\u00e1 data, ale vz\u00edt v&nbsp;\u00favahu budouc\u00ed v\u00fdhled a potenci\u00e1l podnikatelsk\u00e9ho pl\u00e1nu. Komunikace s&nbsp;klienty by m\u011bla b\u00fdt pr\u016fb\u011b\u017en\u00e1 a transparentn\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cesta k&nbsp;z\u00edsk\u00e1n\u00ed bankovn\u00edho \u00fav\u011bru m\u016f\u017ee b\u00fdt slo\u017eit\u00e1, zejm\u00e9na pro za\u010d\u00ednaj\u00edc\u00ed podnikatele. N\u00e1ro\u010dn\u00e1 administrativa a nedostate\u010dn\u00e1 komunikace ze strany bank je pro mal\u00e9 a st\u0159edn\u00ed firmy demotivuj\u00edc\u00edm faktorem pro expanzi podnik\u00e1n\u00ed podpo\u0159enou z&nbsp;\u00fav\u011brov\u00fdch zdroj\u016f. S&nbsp;jak\u00fdmi probl\u00e9my se podnikatel\u00e9 p\u0159i \u017e\u00e1dosti o p\u016fj\u010dku pot\u00fdkaj\u00ed nej\u010dast\u011bji? Ciz\u00ed zdroj financov\u00e1n\u00ed Z\u00edsk\u00e1n\u00ed p\u016fj\u010dky je pro podnikatele \u010dasto z\u00e1sadn\u00edm krokem, kter\u00fd [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2699,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[155],"tags":[],"class_list":["post-2698","post","type-post","status-publish","format-standard","has-post-thumbnail","category-investice"],"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2698","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2698"}],"version-history":[{"count":1,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2698\/revisions"}],"predecessor-version":[{"id":2700,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/posts\/2698\/revisions\/2700"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=\/wp\/v2\/media\/2699"}],"wp:attachment":[{"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2698"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=2698"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.ez.cz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=2698"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}