Wywiadownie gospodarcze – jaka jest ich rola w prowadzeniu firmy?

  • W celu ustalenia zdolności kredytowej przedsiębiorstwa, banki korzystają z różnych źródeł, m.in. z informacji dostarczonych przez wywiadownie gospodarcze.
  • Dzięki tym danym, mogą określić faktyczną kondycję firmy i poznać ewentualne ryzyka związane z udzieleniem jej kredytu inwestycyjnego.
  • Przedsiębiorca planujący rozwój firmy, sam powinien sprawdzić kondycję zarówno swojego przedsiębiorstwa, jak i kontrahentów, aby zminimalizować ryzyko odrzucenia wniosku kredytowego.

Planowanie inwestycji w firmie, zwłaszcza tych na dużą skalę, to skomplikowany proces, w którym powinno się brać pod uwagę wiele czynników. Doskonale rozumieją to banki, które przed udzieleniem kredytu inwestycyjnego dokładnie sprawdzają kondycję finansową firmy i wszelkie możliwe ryzyka. Taki proces powinno przeprowadzić każde przedsiębiorstwo, które planuje większe inwestycje w swojej firmie. Dzięki temu otrzyma informacje, co należy w firmie poprawić, aby efektywnie wdrożyć wszelkie zmiany oraz czy współpraca z dotychczasowymi kontrahentami będzie nadal opłacalna.

Jakie informacje zbiera wywiadownia gospodarcza?

Wywiadownia gospodarcza jest instytucją zajmującą się weryfikacją wiarygodności kredytowej firm. Jest to możliwe dzięki gromadzeniu informacji z własnych baz danych, ale i m.in. zKrajowego Rejestru Sądowego, ewidencji działalności gospodarczej, rejestrów dłużników czy z ankiet wysyłanych do przedsiębiorców.

Banki potrzebują tych informacji, aby sprawdzić ryzyko związane z udzieleniem kredytu danej firmie. Same informacje o zadłużeniu w innych bankach czy o prawidłowym spłacaniu należności mogą być niewystarczające, aby w pełni ocenić sytuację finansową przedsiębiorstwa. Bank korzysta więc z raportu przygotowanego przez wywiadownię gospodarczą. Może się okazać, że informacje, jakie w nim znajdzie, przekreślą szanse przedsiębiorcy na otrzymanie kredytu w zakładanej wysokości, a to w konsekwencji może skutkować koniecznością zmiany planów firmy lub przesunięcia ich w czasie – mówi Paweł Mazur z ANG Biznes.

Dlaczego warto wcześniej pobrać raport na temat firmy?

Jeżeli informacje, jakie uzyska bank sprawią, że firma otrzyma odmowę udzielenia kredytu, to wpłynie to negatywnie nie tylko na najbliższe plany przedsiębiorcy. Każda odmowa w banku obniża dodatkowo zdolność kredytową firmy. W związku z czym, przedsiębiorstwo za każdym razem ma coraz mniejsze szansę na otrzymanie kredytu w ogóle lub w planowanej kwocie. Warto zatem skorzystać z informacji wywiadowni gospodarczej jeszcze przed udaniem się do banku. Przedsiębiorca dowie się, które procesy w firmie należy poprawić zanim zacznie się starać o kredyt, a także czy współpraca z dotychczasowymi kontrahentami nie jest w żaden sposób zagrożona – np. poprzez niewypłacalność którejś z firm.

Taki raport na temat firmy warto nabyć nie tylko wtedy, gdy przedsiębiorca chce uzyskać finansowanie z banku. Informacje w nim zawarte mogą pomóc w naprawieniu płynności finansowej przedsiębiorstwa, w zawieraniu nowych umów z kontrahentami czy w dotarciu do kolejnych grup odbiorców. Najczęściej jednak firmy korzystają z tej opcji właśnie przed rozpoczęciem procesu kredytowego. Jeżeli przedsiębiorca korzysta z usług pośrednika, który zajmuje się wszelkimi sprawami związanymi z finansowaniem firmy, to z pewnością poleci sporządzenie raportu, który ułatwi podejmowanie wszelkich decyzji biznesowych w przyszłości – dodaje Paweł Mazur.

74 Replies to “Wywiadownie gospodarcze – jaka jest ich rola w prowadzeniu firmy?

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