Roboty chętniej udzielają finansowania niż ludzie

  • Od początku roku banki zaostrzały kryteria przyznawania finansowania. Epidemia nie tylko nasiliła ten trend, ale i wydłużyła czas oczekiwania na decyzję.
  • Coraz częściej wnioski o przyznanie finansowania rozpatrują automaty. Robią to nie tylko szybko – średni czas analizy sprawy zajmuje kilka sekund, ale i bezbłędnie. Mylą się tylko w 3% przypadków.
  • Firmy z branży finansowej, które wcześniej zainwestowały w automatyczne systemy oceny ryzyka, podczas epidemii mogą działać normalnie i bez opóźnień.

Epidemia wydłużyła czas oczekiwania na pieniądze

Banki ankietowane przez NBP w I kwartale 2020 r. przyznały, że zaostrzyły kryteria udzielania kredytów krótko- i długoterminowych dla dużych przedsiębiorstw (odpowiednio -30% i -31%) oraz dla małych i średnich przedsiębiorstw (odpowiednio -47% i -33%). Epidemia ten trend tylko pogłębiła – pieniądze z banku jeszcze trudniej dostać, dłużej też czeka się na decyzję, o czym informowało w komunikatach kilka banków. Na II kwartał 2020 r. banki przewidywały zaostrzenie polityki kredytowej w segmencie krótko- i długoterminowych kredytów dla dużych oraz małych i średnich przedsiębiorstw, o skali największej od połowy 2009 r. (odpowiednio 57%, -55%, -82% i -77%). Żaden bank nie przewiduje łagodzenia polityki kredytowej.   

Wynika to nie tylko z ostrożności i ryzyka finansowania podczas niepewnej sytuacji gospodarczej, ale i dłuższego czasu potrzebnego na rozpatrywanie wniosku. W bankach zazwyczaj robią to analitycy – ludzie.

Część instytucji finansowych od lat jednak inwestuje w automatyczne systemy scoringowe (oceniające ryzyko związane z wspieranym podmiotem), które są zdecydowanie szybsze. Są też coraz doskonalsze w podejmowanych decyzjach.

– Od kilku już lat główny ciężar analizy kierowanych do nas wniosków o finansowanie spoczywa na maszynach. Ponieważ automaty robią to w oparciu o precyzyjnie zdefiniowane parametry, dzieje się to naturalnie bardzo szybko – w kilka sekund. W takim trybie finansujemy nawet duże wnioski na 100 tys. zł. Sztuczna inteligencja szybko się też uczy – z weryfikacji wszystkich decyzji o uruchomieniu środków podjętych w maju wynika, że tylko w 3% przypadków analityk (człowiek) zmienił decyzję podjętą przez maszynę i zablokował środki – mówi Piotr Więcek, FINEA, Dyrektor ds. Rozwoju i Bezpieczeństwa.

Technologia pozwala działać normalnie podczas epidemii 

Znaczenie automatyzacji procesów, także w finansach, jest coraz większe podczas pandemii. W okolicznościach dystansu społecznego i pracy zdalnej wszędzie tam, gdzie analizy opierają się na ludziach, pojawiają się problemy. Największe instytucje, proporcjonalnie do swojej skali, miały duże trudności z adaptacją do nowych realiów. Mniejsze organizacje są w stanie działać bardziej elastycznie.

– Oczywiście sytuacja gospodarcza spowodowała, że od marca obserwujemy większą liczbę wniosków o finansowanie faktoringowe. Nie ma w tym nic dziwnego, bo przedsiębiorcy szukają finansowania w każdym możliwym miejscu. Na szczęście duża wydajność naszych automatycznych systemów scoringowych pozwoliła uniknąć zablokowania firmy. Maszyny nie potrzebują dystansowania społecznego, pracują w tych samych miejscach co przed pandemią, więc zasadniczo nic się nie zmieniło – Piotr Więcek z FINEA.

Wg eksperta Finea, wraz ze wzrostem liczby wniosków o faktoring pojawiają się nowe branże. Chodzi o wnioski od firm związanych z edukacją, np. współpracujących z uniwersytetami czy z branży kosmetycznej. Tam opóźnienia w płatnościach są teraz normą, ale z przyznawaniem finansowania faktoringowego nie ma problemu, bo nie ma obaw o masowy upadek takich działalności.

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