DEBT
COLLECTION OF COMPANY RECEIVABLES
COLLECTION
OF CLAIMS FROM LEGAL ENTITY
CASE
STUDY
Given
the overall macro and micro economic conditions suggest that debt collection in
company may represent one of the pillars of the future development planning.
Quality of repayment system, for performed services, goods or work done, can
significantly influence the development of the overall business. Unsynchronization
and inability to collect receivables due, if it occurs frequently, primarily
leading to the current lack of liquidity with the tendency to develop into
insolvency, eventualy leading to the collapse of the company's core business
and could create company disappearing from the market.
The
main aim of this paper is try, through a brief case study to show factor of irregular client behavior and monitoring
of it, because it can create problems in collecting company receivables.
In
developing this paper, we used data of 17 businesses companies, with a total of
163 receivables, that have been processed trought analysis.
The
structure of receivables in respect of a debtor was:
-
An individual: 26 unrepaid claims
-
Entrepreneur: 60 unrepaid claims
-
Limited liability of 77 unrepaid claims
With
further analysis of claims, it can be reached to a certain regularities in
terms of monitoring clients / debtors whose liabilities are not settled in a
regular manner, the predicted by contract between client / debtor and creditor
(claimant).
By
analyse of the receivables, it was found that 42% of the total claims are
collectible.
58%
of receivables are uncollectible, and in 38% of receivables, is founded that
the collection was possible at the moment when the primary problems in
servicing the client / debtor obligations rised, but that was less and less possible to collect due because
of poor quality in monitoring by the creditor, and the risk of unrepaying has
been growing over time. Eventualy, that 38% of receivables goes into 58% of
uncollectable receibavles.
From
the results shown it can be clearly concluded that the percentage of
receivables may increase at a certain percentage, by actively and promptly
company monitoring of client / debtor servicing of debts.
Mentioned
regularity is reflected in the fact that the active monitoring of clients /
debtor, can create eventuality to detect early indicators suggesting that it
is necessary to reduce the volume of business with the potentially problematic
client / debtor, or terminate cooperation and by doing that to minimize the
risk of default due to insolvency of the client / debtor.
Thus,
minimizing the risk of failure to collect receivables and the decreasing potential oscillations in collection of
receivables, can improve business position of company.
Remeber,
every company action is message for itself. Because of that, clear and up on
time collection is sending the message of serious company wich dont want to
leave unresolved problems. Strong messages create strong respect of duties on
the market.
NAPLATA
POTRAŽIVANJA PRAVNIH LICA
STUDIJA
SLUČAJA
Imajući
u vidu celokupnu makro i mikro ekonomsku situaciju ažurna naplata potraživanja
kompanije može da predstavlja jedan od stubova planiranja budućeg razvoja.
Kvalitet izvršene naplate za usluge,
robu ili izvršen rad, koji predstavlja delatnost kompanije, umnogome može da
utiče na razvoj celokupnog sistema poslovanja. Nesinhronizacija i nemogućnost
naplate dospelih potraživanja, ukoliko se učestalo pojavljuje, primarno dovodi
do trenutne nelikvidnosti sa tendecijom da preraste u nesolventnost koja vodi u
poslovni kolaps kompanije i nestajanje sa tržišta.
Cilj
ovog teksta je da kroz kratku studiju slučaja prikaže faktor neažurnog praćenja
ponašanja klijenta na tržištu koji može da napravi probleme u naplati
potraživanja.
Prilikom izrade ovog
teksta, korišćeni su podaci 17 privrednih subjekata, sa ukupno 163 nenaplaćena
potraživanja koja su bila predmet obrade.
Struktura nenaplaćenih potraživanja
u pogledu forme dužnika je bila:
-
Fizičko lice: 26
nenaplaćenih potraživanja
-
Preduzetnik: 60
nenaplaćenih potraživanja
-
Društvo sa
ograničenom odgovornošću: 77 nenaplaćenih potraživanja
Daljom analizom
potraživanja, može se doći do odredjene zakonomernosti u pogledu praćenja
klijenata/dužnika čije obaveze nisu izmirene na redovan način, predvidjen
uguvorom izmedju klijenta/dužnika I poverioca.
Analizom mogućnosti
naplate, utvrdjeno je da je 42% ukupnog potraživanja naplativo.
Od 58% potraživanja koje
je nenaplativo, u 38% je ustanovljeno da je naplata bila moguća u momentu
nastanka primarnih problema u servisiranju obaveza klijenta/dužnika, ali da je
usled nekvalitetnog praćenja od strane poverioca, rizik nemogućnosti naplate
rastao je protekom vremena, počev od momenta nastanka problema u servisiranju
obaveza klijenta/dužnika.
Iz iznetog se može jasno
zaključiti da je procenat naplate potraživanja moguće u odredjenom delu
uvećati, kroz aktivno I ažurno praćenje klijenata/dužnika u vezi sa njihovim
servisiranjima dugovanja koji nastaju u poslovanju.
Pomenuta zakonomernost se
ogleda u tome da je aktivnim praćenjem podataka klijenata moguće doći do
otkrivanja ranih indikatora koji upućuju na zaključak da je potrebno ili
smanjiti obim prometa sa potencijalno problematičnim klijentom/dužnikom, ili
prekinuti saradnju i na takav način minimizirati rizik nenaplativosti
potraživanja usled nesolventnosti klijenta/dužnika.
Samim time, umanjuje se
rizik nemogućnosti naplate potraživanja, te se u poslovanju umanjuju
potencijalne oscilacije koje mogu da nastanu usled neredovne naplate
potraživanja.
Upamtite, svaki čin kompanije je poruka za sebe. Jasnim porukama u vezi sa naplatom potraživanja, kompanija šalje poruku da ne ostavlja ništa slučaju, i da uvek mora biti ozboljno shvaćena u poslovanju.
