[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.julienne.cz\/pomocna-ruka-pro-podnikatele\/#Article","mainEntityOfPage":"https:\/\/www.julienne.cz\/pomocna-ruka-pro-podnikatele\/","headline":"Pomocn\u00e1 ruka pro podnikatele","name":"Pomocn\u00e1 ruka pro podnikatele","description":"Ka\u017ed\u00fd, kdo podnik\u00e1 zjist\u00ed, \u017ee se nejedn\u00e1 o nic p\u0159evratn\u00e9ho. Pravdou m\u016f\u017ee b\u00fdt, \u017ee se vyman\u00ed z okov\u016f zam\u011bstn\u00e1n\u00ed a z\u00edsk\u00e1 pomyslnou svobodu. Jen\u017ee pot\u00e9…","datePublished":"2018-06-24","dateModified":"2023-05-05","author":{"@type":"Person","@id":"https:\/\/www.julienne.cz\/author\/#Person","name":"julienne.cz","url":"https:\/\/www.julienne.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/eaa8d03c255e1a749937a03afe319562d500ac9ddac78a88a8e436c8d21c5e47?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"julienne.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.julienne.cz\/wp-content\/uploads\/img_a321314_w2443_t1532588623.jpg","url":"https:\/\/www.julienne.cz\/wp-content\/uploads\/img_a321314_w2443_t1532588623.jpg","height":0,"width":0},"url":"https:\/\/www.julienne.cz\/pomocna-ruka-pro-podnikatele\/","about":["Finance"],"wordCount":422,"articleBody":"Ka\u017ed\u00fd, kdo podnik\u00e1 zjist\u00ed, \u017ee se nejedn\u00e1 o nic p\u0159evratn\u00e9ho. Pravdou m\u016f\u017ee b\u00fdt, \u017ee se vyman\u00ed z okov\u016f zam\u011bstn\u00e1n\u00ed a z\u00edsk\u00e1 pomyslnou svobodu. Jen\u017ee pot\u00e9 co za\u010dneme se sv\u00fdm vlastn\u00edm byznysem zjist\u00edme, \u017ee m\u00e1me pr\u00e1ce nad hlavu. Konkurence n\u00e1m ned\u00e1 sp\u00e1t, nevypo\u010d\u00edtav\u00ed zam\u011bstnanci n\u00e1s d\u011bs\u00ed a sna\u017e\u00edme se u\u0161et\u0159it kde se d\u00e1.
V podnik\u00e1n\u00ed se st\u0159\u00eddaj\u00ed dva z\u00e1kladn\u00ed cykly. Obdob\u00ed, kdy jsme ve f\u00e1zi r\u016fstu a na\u0161e v\u00fdrobky na trhu posiluj\u00ed a m\u00edsta, kde na\u0161e podnik\u00e1n\u00ed skom\u00edr\u00e1.
Jsou to \u010dasy, kdy na\u0161e v\u00fdrobky nejdou na odbyt, dodavatel\u00e9 maj\u00ed sv\u00e9 vlastn\u00ed probl\u00e9my, tud\u00ed\u017e doch\u00e1z\u00ed k opo\u017ed\u011bn\u00fdm dod\u00e1vk\u00e1m a odb\u011bratel\u00e9 ztr\u00e1cej\u00ed z\u00e1jem o na\u0161e produkty. S t\u011b\u017e\u00ed udr\u017e\u00edme firmu v chodu a ob\u010das m\u00e1me probl\u00e9m uhradit i ty nejz\u00e1kladn\u011bj\u0161\u00ed v\u00fddaje.
V t\u00e9to f\u00e1zi p\u0159ich\u00e1z\u00ed na sc\u00e9nu podnikatelsk\u00fd \u00fav\u011br. Ten by m\u011bl podnikateli pomoct postavit se zp\u00e1tky na nohy a zajistit op\u011btovn\u00fd rozjezd jeho podnik\u00e1n\u00ed. Z\u00edskat takovou p\u016fj\u010dku dnes nen\u00ed moc snadn\u00e9. Jeliko\u017e ka\u017ed\u00e1 banka si chce pokr\u00fdt sv\u00e1 rizika kontroluje solventnost a likviditu dan\u00e9 spole\u010dnosti. Pokud se pro banku nach\u00e1z\u00edme v \u010derven\u00fdch \u010d\u00edslech nem\u00e1me \u0161anci z\u00edskat klasick\u00fd \u00fav\u011br.
Pokud nejsme vhodn\u00fdmi klienty pro korpor\u00e1tn\u00ed sektor banky mus\u00edme se poohl\u00e9dnout jinde. V r\u00e1mci p\u00e1tr\u00e1n\u00ed m\u016f\u017eeme zabrousit i do nebankovn\u00edch \u010d\u00e1st\u00ed.
Zde je pro podnikatele ji\u017e o n\u011bco p\u0159\u00edv\u011btiv\u011bj\u0161\u00ed prost\u0159ed\u00ed. Jsou to m\u00edsta, kde instituce ne\u0159e\u0161\u00ed likviditu podnikatele ani solventnost a rating berou s nadhledem.
V r\u00e1mci nebankovn\u00edho sektoru je podnikatelsk\u00e1 p\u016fj\u010dka \u0159e\u0161ena formo kontokorentu. Zde je dan\u00e9mu u\u017eivateli nastaven limit, kter\u00fd m\u016f\u017ee \u010derpat. N\u00e1sledn\u00e9 splacen\u00ed prob\u00edh\u00e1 bu\u010f na konci obdob\u00ed nebo a\u017e m\u00e1 dostatek finan\u010dn\u00edch prost\u0159edk\u016f. Neexistuj\u00ed \u017e\u00e1dn\u00e9 sankce za p\u0159edb\u011b\u017en\u00e9 splacen\u00ed nebo pen\u00e1le.
Podnikat dnes m\u016f\u017ee opravdu ka\u017ed\u00fd. Bohu\u017eel bankovn\u00ed sektor nep\u0159edstavuje moc p\u0159\u00edv\u011btiv\u00e9 prost\u0159ed\u00ed pro za\u010d\u00ednaj\u00edc\u00ed podnikatele. V r\u00e1mci nebankovn\u00edch spole\u010dnost\u00ed jsou v\u0161ak p\u016fj\u010dky, kter\u00e9 nab\u00edzej\u00ed mo\u017enost vzchopit se a rozjet sv\u016fj byznys znovu.                                                                                                                                                                                                                                                                                                                                                                                        3\/5 - (2 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pomocn\u00e1 ruka pro podnikatele","item":"https:\/\/www.julienne.cz\/pomocna-ruka-pro-podnikatele\/#breadcrumbitem"}]}]