{"id":483,"date":"2022-12-23T10:20:01","date_gmt":"2022-12-23T10:20:01","guid":{"rendered":"http:\/\/scandinavianbusiness.dk\/?p=483"},"modified":"2022-12-23T10:31:19","modified_gmt":"2022-12-23T10:31:19","slug":"ny-analyse-virksomhedernes-traek-paa-kassekreditten-er-eksploderet","status":"publish","type":"post","link":"https:\/\/scandinavianbusiness.dk\/index.php\/2022\/12\/23\/ny-analyse-virksomhedernes-traek-paa-kassekreditten-er-eksploderet\/","title":{"rendered":"Ny analyse: Virksomhedernes tr\u00e6k p\u00e5 kassekreditten er eksploderet"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>Virksomhederne mangler likviditet, og omfanget af udl\u00e5n via enten kassekreditten eller overtr\u00e6k er siden sidste \u00e5r steget med 47 pct. Samtidigt er omfanget af normale virksomhedsl\u00e5n fra pengeinstitutter kun steget med 13 pct. Det er bekymrende og et krisetegn, at mange mindre virksomheder er n\u00f8dsaget til at bruge kassekreditten, da den er dyrere end et normalt l\u00e5n. Det skyldes bl.a., at store virksomheder forlanger l\u00e6ngere kredit af deres underleverand\u00f8rer, mener SMVdanmark.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Coronakrise, forsyningskrise, energikrise og et enormt fald i forbrugernes hum\u00f8r. Listen af kriser de seneste \u00e5r er lang, og det har t\u00e6ret p\u00e5 virksomhedernes \u00f8konomiske fedtlag. Det g\u00f8r det sv\u00e6rere for dem at l\u00e5ne i banken, og samtidigt presses mange mindre underleverand\u00f8rer af deres store kunder til at give l\u00e6ngere betalingsfrister p\u00e5 deres varer og tjenester. Derfor ser mange virksomheder sig nu i stor stil n\u00f8dsaget til at tr\u00e6kke p\u00e5 kassekreditten eller lave overtr\u00e6k.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Det viser en analyse fra SMVdanmark, der organiserer 18.000 sm\u00e5 og mellemstore virksomheder. Analysen viser, at virksomhederne nu skylder 200 mia. kr. i banken via kassekredit og overtr\u00e6k. En stigning p\u00e5 47 pct. siden sidste \u00e5r.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lasse Lundqvist, konsulent i SMVdanmark, er nerv\u00f8s for, at den dyre kassekredit, som prim\u00e6rt er beregnet til at d\u00e6kke kortsigtede behov, vil komme til at h\u00e6nge som en m\u00f8llesten om virksomhedernes hals.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201dDet kan v\u00e6re et problem for en virksomhed at tr\u00e6kke p\u00e5 kassekreditten frem for et normalt bankl\u00e5n, fordi en kassekredit typisk har en h\u00f8jere rente end et bankl\u00e5n, bl.a. fordi det er en service, som er meget fleksibel. Den \u00f8gede, og dyrere, g\u00e6ld er et symptom p\u00e5 nogle meget pressede virksomheder. Investeringslysten er i bund, s\u00e5 det er ikke derfor, virksomhederne optager g\u00e6ld. Eksplosionen i kassekreditten er for mange virksomheder et sp\u00f8rgsm\u00e5l om overlevelse,\u201d siger han.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dyr kassekredit<\/strong>&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kassekreditten og overtr\u00e6k er en dyr l\u00f8sning. Rentesp\u00e6ndet mellem det gennemsnitlige normale bankl\u00e5n og den gennemsnitlige kassekredit og overtr\u00e6k er 1,5 pct. point. Samtidig er dette rentesp\u00e6nd mellem kassekredit og normalt l\u00e5n \u00f8get med 0,5 pct. point det seneste \u00e5r. Det skyldes bl.a., at bankerne vurderer, at risikoen for, at g\u00e6lden ikke bliver betalt, er steget, og derfor skal de have mere for deres risiko.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201dHvis virksomheden har problemer med at betale sin kassekredit tilbage, kan det f\u00f8re til en negativ spiral, hvor virksomheden bliver n\u00f8dt til at tr\u00e6kke endnu mere p\u00e5 kassekreditten for at d\u00e6kke udgifter, hvilket igen f\u00f8rer til endnu h\u00f8jere g\u00e6ld og finansielle omkostninger,\u201d siger Lasse Lundqvist.&nbsp;&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Presset p\u00e5 kassekreditten \u00f8ges ogs\u00e5 af, at flere store virksomheder nu forlanger, at deres mindre underleverand\u00f8rer skal give l\u00e6ngere kredit, f\u00f8r betalingen for deres varer og tjenester skal falde.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cKassekreditten holder for, n\u00e5r de mindre virksomheder skal holde sig k\u00f8rende, indtil kunden betaler. Og vi ser, at flere og flere mindre virksomheder oplever pres for at give l\u00e6ngere kredit. Hver femte mindre virksomhed oplever nu krav om l\u00e6ngere betalingsfrister, end de er vant til. Men et vedvarende tr\u00e6k p\u00e5 kassekreditten over flere m\u00e5neder svarer p\u00e5 mange m\u00e5der til at tisse i bukserne for at holde varmen,\u201d siger Lasse Lundqvist.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Den store stigning i virksomhedernes tr\u00e6k p\u00e5 enten kassekreditten eller overtr\u00e6k betyder, at l\u00e5nene via kassekredit og overtr\u00e6k nu udg\u00f8r mere end halvdelen af virksomhedernes samlede l\u00e5n fra pengeinstitutterne.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Kilde: SMVdanmark<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Overs\u00e6ttelse til svensk<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Tag Scandinavian Office Solutions med ombord p\u00e5 din salgsrejse. Vi har leveret kvalitetsovers\u00e6ttelser siden 2011, og vi overs\u00e6tter gerne din webside, webshop, produktnyhed, opdatering til SoMe etc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"mailto:scandinavianoffice@gmail.com\" target=\"_blank\" rel=\"noreferrer noopener\">Kontakt os<\/a> for et tilbud, du bliver glad for!<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><a href=\"https:\/\/scandinavianoffice.net\/\" target=\"_blank\" rel=\"noreferrer noopener\">Scandinavian Office Solutions<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/scandinavianoffice.net\/oversaettelse-til-svensk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Overs\u00e6ttelse til svensk<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>Virksomhederne mangler likviditet, og omfanget af udl\u00e5n via enten kassekreditten eller overtr\u00e6k er siden sidste \u00e5r steget med 47 pct. Samtidigt er omfanget af normale [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-483","post","type-post","status-publish","format-standard","hentry","category-generelle-nyheder"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ny analyse: Virksomhedernes tr\u00e6k p\u00e5 kassekreditten er eksploderet -<\/title>\n<meta name=\"description\" content=\"Ny analyse fra SMVdanmark: Virksomhedernes tr\u00e6k p\u00e5 kassekreditten er eksploderet\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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