MITIGATION RISK OF INABILITY TO COLLECT RECEIVABLES

MITIGATION RISK OF INABILITY TO COLLECT RECEIVABLES

In the regular business process, is realistic to expect that the collection of overdue receivables in certain cases can be delayed or impossible, because the debtor's insolvency or illiquidity. Given the realities of the market, while designing the company's business plans, extremely is important to create realistic and well predicted amount of receivables which can be a prospective problem for repaying. When planning the amount of due which can potentially occur in so called ''collection inability issue'', Company must bare in mind the historically results of unclaimed receivables combined with the projected volume of business in planning period. Such results, if they are placed on realistic expectations, can show the scale of the potential damage for operations of the company.

The purpose of this text is to briefly present the methodology and to decrease or to anticpate the risks of delayed payment or inability to collect due payment in full.

If we take conducted manner of serbian companies in field of default due receivables risks  as one of basic bussiness premise,  we can perceive conclusion that serbian corporate awareness of the reduction of this type of risk is on very low level. At this level of serbian private corporate sector development, it is  pressumed that top management charged to lead companies is at the high-quality level, which is far from the actual situation. In truth, most of the company leaders its knowledge base on a self-management philosophy of socialism, that see company as proprety wich owner is everyone and no one, or at untaught managers whose main goal is servility to the company owners for subsistence ignorance and incompetence. In the first case, it is a relic of communism, in which is impossible to change the ''viewing angle and pattern of conduct'', while in the second case, the managers are to some extent the side effects of capitalism, which is in line with the capital in the serbian process of privatization wich  origin was not investigated, and have bare desire to satisfy their primary needs and base desire, with no idea how to make a change on better at professional field, proactive personal quest of knowledge, as well as the management company improvement.

Such management does not recognize that at market is a possibility with use of certain methods can be reduce the risk of debt default, and with the professional and corporate responsible behavior of top management in this segment, it is possible to make a comparative advantage at the market. Given the business conditions that apply at this time in Serbia and World, this can create a comparative advantage that can be crucial not only for the growth of the company, but in the company existence in present market circumstances. By reducing the production and decreasing of products selling and services, it can be estimated that one of the keys to success in business management is predictable and successful debt collection.

The successful decreasing methodology of risk inability to collect receivables is symbiosis that require ''clean-cut'' information about debtors and their businesses and the existence of skills and knowledge to analyze the available data in top management. In view of the company's who are creditors, it is necessary to actively monitor, analyze and take actions in order to minimize or avoid the damage to the company, created by unrepayed debts.

If this aspect of the business is placed on quality formed ground, it is realistic to expect that the projected loss from the beginning of this text is lower, and therefore the company's income is higher, which in times of turbulent business environment can be the milestone of the survival and company  growth.

To be continued ...

UMANJENJE RIZIKA NEMOGUĆNOSTI NAPLATE POTRAŽIVANJA

U okviru redovnog poslovanja realno je očekivati da naplata dospelih potraživanja u odredjenom broju slučajeva može biti usporena ili nemoguća, iz razloga nesolventnosti i nelikvidnosti dužnika. Imajući u vidu realnost tržišta, prilikom projektovanja poslovanja kompanije od izuzetnog značaja je realno i kvalitetno projektovati iznos dospelog potraživanja kod koga će se pojaviti problem prilikom naplate. Prilikom projektovanja iznosa dospelog potraživanja kod koga će se potencijalno javiti problem u naplati, uzima se u obzir istorijski gledani rezultati potraživanja sa ovakvim karakteristikama koji se kombinuje sa projektovanim obimom poslovanja. Ovako dobijen rezultat, ukoliko je postavljen na realnim očekivanjima, može da prikaže obim potencijalne štete koja može da nastane u poslovanju kompanije.

Svrha ovog teksta je da ukratko prikaže metodologiju predupredjivanja i smanjenja nastanka rizika usporene naplate ili nemogućnosti naplate dospelog potraživanja u celosti.  

Ako kao jednu od osnovnih premisa uzmemo odnos sprskih kompanija prema riziku nenaplativosti dospelih potraživanja, možemo doneti zaključak da je korporativna svest rada na umanjenju ovog rizika na veoma niskom nivou. Razvoj privatnog sektora u Srbiji, kao jednu od osnovnih premisa podrazumeva da je menadžment koji vodi kompanije na visoko kvalitetnom nivou, što je daleko od stvarnog stanja.  Istini za volju, većina lidera kompanija svoje znanje bazira ili na samoupravnoj filozofiji upravljanja društvenim kapitalom koji je svačiji i ničiji, ili na prinaučenim menadžerima kojima je glavni cilj servilnost prema poslodavcima radi golog opstanka neznanja i nestručnosti. U prvom slučaju se radi o reliktu komunizma kome je nemoguće promeniti ''ugao gledanja'' i obrazac ponašanja, dok se u drugom slučaju radi o nuspojavi kapitalizma, koja je u privatizaciji pored kapitala čije poreklo nije ni ispitivano na površinu izbacila i ljude koji sem gole želje za zadovoljenjem svojih primarnih potreba nemaju ideju i želju kako da u profesionalnom pogledu naprave promenu kako na ličnom polju osvajanja znanja, tako i u okviru upravljanja kompanijom.

Ovakav menadžment ne uvidja da postoji mogućnost da se primenom odredjenih metoda dodje do smanjivanja rizika nenaplativosti, i da je stručnim i korporativno odgovornim ponašanjem u ovom segmentu, moguće napraviti komparativnu prednost na tržištu. Obzirom na uslove poslovanja koji važe u ovom trenutku, ovako stvorena komparativna prednost može biti presudna ne samo za rast kompanije, već i na opstanak kompanije u datim okolnostima. Smanjivanjem proizvodnje i plasmana proizvoda i usluga dolazi se do toga da je jedan od ključeva uspeha u poslovanju redovna, uspešna i predvidiva naplata potraživanja.

Sama metodologija umanjenja rizika nemogućnosti naplate potraživanja zahteva simbiozu podataka o dužnicima i njihovom poslovanju uz postojanje veštine i znanja analiziranja dostupnih podataka. Gledano sa aspekta kompanije koja je poverilac, potrebno je aktivno pratiti, analizirati i preduzimati poteze radi umanjenja ili predupredjivanja nastanka štete za kompaniju.

Ukoliko se ovaj aspekt poslovanja postavi na kvalitetne osnove, realno se može očekivati da projektovana šteta sa početka teksta bude manja, i samim time da prihod kompanije bude veći, što u vremenu turbulentnog poslovnog okruženja može biti jezičak na vagi opstanka i rasta kompanije.

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