Konopn\u00fd pr\u016fmysl se pot\u00fdk\u00e1 s v\u00e1\u017enou finan\u010dn\u00ed kriz\u00ed zp\u016fsobenou nekontrolovan\u00fdmi pohled\u00e1vkami, kter\u00e9 se vy\u0161plhaly na v\u00edce ne\u017e $2,24 miliardy. Toto alarmuj\u00edc\u00ed \u010d\u00edslo vych\u00e1z\u00ed z \u00fadaj\u016f spole\u010dnosti CannaBiz Credit Association, platformy, kter\u00e1 se specializuje na vykazov\u00e1n\u00ed \u00fav\u011br\u016f z konop\u00ed. Tento probl\u00e9m se v posledn\u00edch \u010dty\u0159ech letech nen\u00e1padn\u011b stup\u0148oval a postihl zejm\u00e9na podniky v Kalifornii, Michiganu a Massachusetts.<\/p>\n\n\n\n
V sou\u010dasn\u00e9 dob\u011b m\u00e1 nejvy\u0161\u0161\u00ed objem nesplacen\u00fdch AR Kalifornie ($777 milion\u016f), n\u00e1sleduje Michigan ($231 milion\u016f) a Massachusetts ($144 milion\u016f). N\u011bkter\u00e9 st\u00e1ty hl\u00e1s\u00ed, \u017ee v\u00edce ne\u017e 30% jejich pohled\u00e1vek je po splatnosti, co\u017e p\u0159edstavuje zna\u010dn\u00e9 riziko v odv\u011btv\u00ed, kde je ji\u017e nyn\u00ed probl\u00e9m s likviditou.<\/p>\n\n\n\n
V minulosti se transakce s konop\u00edm \u010dasto uskute\u010d\u0148ovaly metodami \"cash-on-delivery\", kter\u00e9 jsou typick\u00e9 pro star\u0161\u00ed trh. Jeliko\u017e se v\u0161ak spole\u010dnosti sna\u017e\u00ed p\u0159ijmout platebn\u00ed podm\u00ednky podobn\u00e9 t\u011bm v konven\u010dn\u00edch odv\u011btv\u00edch, mnoh\u00e9 z nich zanedb\u00e1vaj\u00ed zaveden\u00ed z\u00e1kladn\u00edch kontrol \u00fav\u011bruschopnosti. Tento posun vedl k syst\u00e9mu, kter\u00fd umo\u017e\u0148uje podnik\u016fm hromadit z\u00e1soby, kter\u00e9 si nemohou dovolit, co\u017e vede k pomal\u00fdm platb\u00e1m nebo k prodlen\u00ed s platbami.<\/p>\n\n\n\n
D\u016fsledky tohoto \u0161patn\u00e9ho finan\u010dn\u00edho \u0159\u00edzen\u00ed jsou patrn\u00e9 na st\u00e1rnut\u00ed pohled\u00e1vek. Zat\u00edmco 46% AR z konop\u00ed je b\u011b\u017en\u00fdch (0-30 dn\u00ed), znepokojiv\u00fdch 24% - co\u017e p\u0159edstavuje v\u00edce ne\u017e $529 milion\u016f - je po splatnosti v\u00edce ne\u017e 91 dn\u00ed. Tyto \u00fadaje ukazuj\u00ed na kritickou hranici: jakmile faktury p\u0159ekro\u010d\u00ed t\u0159i m\u011bs\u00edce bez \u00fahrady, pravd\u011bpodobnost inkasa se prudce sni\u017euje.<\/p>\n\n\n\n
Konkr\u00e9tn\u011b se jedn\u00e1 o to, \u017ee m\u00edra vym\u00e1h\u00e1n\u00ed faktur z\u016fst\u00e1v\u00e1 vysok\u00e1 b\u011bhem prvn\u00edch 30 dn\u016f, ale pot\u00e9 v\u00fdrazn\u011b kles\u00e1. Po 90 dnech kles\u00e1 \u0161ance na inkaso pod 50% a po dvou letech kles\u00e1 na m\u00e9n\u011b ne\u017e 10%. Takov\u00e9 naru\u0161en\u00ed pen\u011b\u017en\u00edch tok\u016f m\u016f\u017ee spole\u010dnosti, zejm\u00e9na ty, kter\u00e9 pracuj\u00ed s n\u00edzk\u00fdmi ziskov\u00fdmi mar\u017eemi, zni\u010dit. Nap\u0159\u00edklad podnik s \u010distou ziskovou mar\u017e\u00ed 25% by musel vygenerovat $40 000 nov\u00fdch p\u0159\u00edjm\u016f, aby vyrovnal odpis $10 000, co\u017e vede k velk\u00e9mu v\u00fdpadku p\u0159\u00edjm\u016f, kter\u00fd m\u016f\u017ee ohrozit p\u0159e\u017eit\u00ed podniku.<\/p>\n\n\n\n
Vzhledem k tomu, \u017ee st\u00e1le v\u00edce finan\u010dn\u00edch prost\u0159edk\u016f je v\u00e1z\u00e1no v pohled\u00e1vk\u00e1ch po splatnosti, konopn\u00fdm spole\u010dnostem zb\u00fdv\u00e1 m\u00e9n\u011b hotovosti na r\u016fst, marketing nebo v\u00fdvoj produkt\u016f. Ve snaze zv\u00fd\u0161it p\u0159\u00edjmy se mnoh\u00e9 uchyluj\u00ed k poskytov\u00e1n\u00ed dal\u0161\u00edch \u00fav\u011br\u016f, co\u017e probl\u00e9m je\u0161t\u011b zhor\u0161uje. Aby spole\u010dnosti tomuto trendu \u010delily, mus\u00ed zav\u00e9st d\u016fkladn\u00e9 postupy hodnocen\u00ed \u00fav\u011br\u016f. U t\u011bch, kter\u00e9 prov\u00e1d\u011bj\u00ed z\u00e1kladn\u00ed \u00fav\u011brov\u00e9 kontroly, je 60% m\u00e9n\u011b pravd\u011bpodobn\u00e9, \u017ee se setkaj\u00ed s probl\u00e9my p\u0159i vym\u00e1h\u00e1n\u00ed pohled\u00e1vek.<\/p>\n\n\n\n
D\u016fkladn\u00e9 posouzen\u00ed \u00fav\u011bruschopnosti je z\u00e1sadn\u00ed; banky vy\u017eaduj\u00ed p\u0159ed poskytnut\u00edm \u00fav\u011bru rozs\u00e1hlou hloubkovou kontrolu a konopn\u00e9 podniky by se j\u00ed m\u011bly \u0159\u00eddit. S t\u00edm, jak trh dozr\u00e1v\u00e1, se pravd\u011bpodobn\u011b stanou l\u00eddry v oboru ti, kte\u0159\u00ed up\u0159ednost\u0148uj\u00ed finan\u010dn\u00ed transparentnost a \u0159\u00edzen\u00ed rizik.<\/p>\n\n\n\n
Konopn\u00fd sektor se nach\u00e1z\u00ed v kl\u00ed\u010dov\u00e9m bod\u011b. Provozovatel\u00e9, kte\u0159\u00ed ignoruj\u00ed p\u0159\u00edznaky finan\u010dn\u00ed t\u00edsn\u011b, riskuj\u00ed, \u017ee p\u0159ijdou nejen o p\u0159\u00edjmy, ale \u017ee ohroz\u00ed cel\u00e9 sv\u00e9 podnik\u00e1n\u00ed. Zaveden\u00ed \u0159\u00e1dn\u00fdch \u00fav\u011brov\u00fdch protokol\u016f je pro p\u0159e\u017eit\u00ed na tomto rozv\u00edjej\u00edc\u00edm se trhu nejen vhodn\u00e9, ale i nezbytn\u00e9.<\/p>","protected":false},"excerpt":{"rendered":"
Konopn\u00fd pr\u016fmysl se pot\u00fdk\u00e1 s v\u00e1\u017enou finan\u010dn\u00ed kriz\u00ed, kter\u00e1 pramen\u00ed z nekontrolovan\u00fdch pohled\u00e1vek, jejich\u017e v\u00fd\u0161e se vy\u0161plhala na...<\/p>","protected":false},"author":2,"featured_media":5631,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[1880,1879,1695],"class_list":["post-5632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry","tag-accounts-receivable","tag-financial","tag-supply-chain"],"yoast_head":"\n