Przepisy potęgują patologie w płatnościach
Firmy mają kolejny pretekst, by nie płacić na czas: „wymówka na wojnę”.

21 proc. MŚP czekając na zapłatę same wstrzymują płatności kontrahentom.
Co 5 przedsiębiorca, czekając na pieniądze z wystawionej przez siebie faktury, wstrzymuje zapłatę innym dostawcom – wynika z badania Krajowego Rejestru Długów i firmy faktoringowej NFG.
Patologiczną sytuację mogłoby zlikwidować zniesienie zakazu cesji w umowach – twierdzą eksperci. Ale na to firmy też ciągle czekają.
MŚP najczęściej odraczają swoim klientom termin płatności o 14 i 30 dni. Prawie co dziesiąty umawia się na zapłatę po 7 dniach, a co czternasty na 60 dni po terminie dostawy.
Norma zamiast potrzeb
Często termin płatności na fakturze podyktowany jest normą, jaka obowiązuje w danej branży, a nie decyzją właściciela firmy.
„Wiele razy słyszałem od przedsiębiorców, że ich kontrahenci krótszych terminów nie zaakceptują. Firmom pozostaje zgodzić się na wymogi rynku lub stracić kontrakt” – twierdzi Dariusz Szkaradek, prezes NFG.
Im mniejsza firma, tym szybciej chciałaby otrzymać zapłatę. Zwolennikami krótszych terminów są mikroprzedsiębiorstwa – 7 lub 14 dni. Większe podmioty mają więcej cierpliwości.
Dla przypomnienia ustawowo, w transakcjach, w których wierzycielem jest MŚP, a dłużnikiem duży przedsiębiorca, obowiązuje maksymalnie 60-dniowy termin zapłaty. Na podmioty, które przekraczają ten termin UOKiK może nałożyć kary.
Co 5 firma wstrzymuje płatności
Przedsiębiorcy czekając na pieniądze w 43 proc. korzystają z oszczędności, jednak 27 proc. odwleka decyzje o inwestycjach, a niemal 20 proc. wybiera zewnętrzne źródła finansowania.
„Dochodzi do sytuacji patologicznej, która, jak widać, staje się regułą. A mianowicie 21,1 proc. firm, czekając na zapłatę za towar lub usługę, samemu wstrzymuje płatności i bieżące rachunki, do czasu otrzymania pieniędzy od klienta. W ten sposób tworzą się łańcuchy przeterminowanych należności w firmach, a w konsekwencji zatory finansowe w całej gospodarce” – zwraca uwagę Adam Łącki, prezes Krajowego Rejestru Długów Biura Informacji Gospodarczej.

Wymówka „na wojnę”. Gdy patologia staje się regułą
Jedynie 20 proc. przedsiębiorców, stosując sprzedaż z odroczonym terminem płatności, decyduje się na wsparcie z zewnętrznych źródeł finansowania, jak efaktoring.
Przyczyn takiej sytuacji może być kilka.
„Podstawowa to ta, że firmy wolą kredytować swoją działalność kosztem innych przedsiębiorców, bo to jest łatwe i tanie. Nasza badania wskazują, że firmy mają w tym względzie wygodną wymówkę. W pandemii była to „wymówka na Covid”. Dziś może to być „wymówka na wojnę” – tłumaczy Adam Łącki, prezes KRD.
Zniesienie zakazu cesji mogłoby pomóc
Innym wytłumaczeniem patologii „kredytowania” działalności kosztem niepłacenia faktur w terminie zdaniem szefa KRD jest wpisywany ciągle w umowach zakaz cesji wierzytelności.
„Obecnie mamy w Polsce tzw. pozorną swobodę dysponowania swoją wierzytelnością, ponieważ przepisy dają taką możliwość, ale równolegle w zapisach umownych B2B możliwe jest zakazanie realizacji cesji wierzytelności” – komentuje Dariusz Szkaradek.
Jak wyjaśnia, w efekcie takich zapisów przedsiębiorcy nie mogą swobodnie dysponować częścią swojego majątku i zarządzać płynnością, np. sfinansować wierzytelności za pomocą faktoringu. Jeśli kontrahent dodatkowo opóźnia płatność, to wpędza przedsiębiorcę w kolejne problemy płynnościowe, które mogą prowadzić nawet do utraty wypłacalności.
„Jedynym rozwiązaniem w tej sytuacji byłoby całkowite zniesienie zakazu cesji w umowach handlowych” – uważa szef KRD.
Na początku lutego Ministerstwo Rozwoju i Technologii deklarowało na swojej stronie internetowej, że we współpracy z UOKiK przygotowuje projekt nowelizacji ustawy antyzatorowej, miał on trafić do uzgodnień, konsultacji i opiniowania. Nie wiadomo natomiast, czy plany te nie zostaną zweryfikowane w związku z wojną w Ukrainie.
——-
Badanie „Impulsy i bariery finansowe w rozwoju MŚP”, na zlecenie Krajowego Rejestru Długów Biura Informacji Gospodarczej i firmy faktoringowej NFG, przeprowadzone przez IMAS International w grudniu 2021 r. na grupie 512 firm z sektora mikro, małych i średnich przedsiębiorstw.
——-
Co czwarta firma obawia się, że nie otrzyma pieniędzy za zeszłoroczne faktury
Opóźnione o dwa miesiące płatności to w polskiej gospodarce norma. W 2021 r. doświadczyło ich 68 proc. MŚP. 25 proc. zostało z fakturami, za które nie uda się im już uzyskać zapłaty.
Najczęściej firmy pracują za darmo w transporcie i handlu.
Czerwona pieczęć motywuje do zapłaty
BIG twierdzi, że kontrahenta motywuje do zapłaty pieczęć prewencyjna przystawiona na każdej fakturze (elektronicznej albo papierowej), która informuje, że „Brak płatności skutkuje wpisem do rejestru Dłużników BIG InfoMonitor”.

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590 mln zł długów
Rosną zaległości płatnicze przedsiębiorstw w sektorze, do którego należą firmy IT.
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Znów jest gorzej z zatorami płatniczymi
Już blisko 37 proc. przedsiębiorców czeka na płatności od kontrahentów ponad 60 dni po terminie.
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180 mln zł długów firm z branży IT
Zadłużenie przedsiębiorców z branży spadło w minionym roku, jednak problemem mogą okazać się rosnące należności od klientów.