{"id":10369,"date":"2023-02-26T02:29:26","date_gmt":"2023-02-26T01:29:26","guid":{"rendered":"https:\/\/www.euroekonom.sk\/?p=10369"},"modified":"2024-05-13T14:57:42","modified_gmt":"2024-05-13T12:57:42","slug":"externe-zdroje-financovania-podniku","status":"publish","type":"post","link":"https:\/\/www.vrtulniky.sk\/news\/externe-zdroje-financovania-podniku\/","title":{"rendered":"Extern\u00e9 zdroje financovania podniku"},"content":{"rendered":"<p>Na financovanie podnikov\u00fdch aktiv\u00edt sa vyu\u017e\u00edvaj\u00fa <a href=\"https:\/\/www.euroekonom.sk\/interne-zdroje-financovania-podniku\/\">intern\u00e9 zroje financovania<\/a> a extr\u00e9me zdroje financovania. Extern\u00e9 financovanie predstavuj\u00fa v\u0161etky zdroje, ktor\u00e9 do podniku prich\u00e1dzaj\u00fa zvonka od in\u00fdch subjektov, bez oh\u013eadu na to, \u010di ide o in\u00e9 podniky, banky, pois\u0165ovne alebo \u0161t\u00e1t. K t\u00fdmto zdrojom financovania patr\u00ed:<\/p>\n<ul>\n<li>vklad majite\u013ea a jeho zvy\u0161ovanie,<\/li>\n<li>kr\u00e1tkodob\u00e9 \u00favery,<\/li>\n<li>dlhodob\u00e9 a strednodob\u00e9 \u00favery,<\/li>\n<li>osobitn\u00e9 formy financovania ako je : leasing, faktoring a forfaiting,<\/li>\n<li>dot\u00e1cie,<\/li>\n<\/ul>\n<h2>Extern\u00e9 zdroje financovania<\/h2>\n<p><a href=\"https:\/\/www.euroekonom.sk\/financie\/financie-a-podnik\/financne-zdroje-podniku\/\">Extern\u00e9 zdroje financovania<\/a> s\u00fa zdroje, ktor\u00e9 do podniku plyn\u00fa prostredn\u00edctvom in\u00fdch subjektov, o tomto financovan\u00ed hovor\u00edme, ak kapit\u00e1l prich\u00e1dza do podniku formou dot\u00e1ci\u00ed, \u00faverov alebo prostredn\u00edctvom z\u00e1v\u00e4zkov vypl\u00fdvaj\u00facich z obchodn\u00e9ho styku medzi jednotliv\u00fdmi subjektmi.<br \/>\nZa vklad majite\u013ea sa pova\u017euje za z\u00e1kladn\u00fd zdroj, ktor\u00fd podnikate\u013esk\u00fd subjekt z\u00edskava pri zalo\u017een\u00ed, je vklad majite\u013ea. Pri zalo\u017een\u00ed podniku vlastn\u00edk uskuto\u010dn\u00ed p\u00f4vodn\u00fd vklad kapit\u00e1lu, s ktor\u00fdm n\u00e1sledne za\u010d\u00edna podnika\u0165.<br \/>\n\u00daver je ekonomick\u00fd vz\u0165ah medzi dl\u017en\u00edkom a verite\u013eom, ktor\u00fd vznik\u00e1 pri odovzd\u00e1van\u00ed konkr\u00e9tnych hodn\u00f4t na do\u010dasn\u00e9 pou\u017eitie, verite\u013e d\u00e1va k dispoz\u00edci\u00ed ur\u010dit\u00fa hodnotu v peniazoch alebo v tovare. Dl\u017en\u00edk sa zav\u00e4zuje splati\u0165 svoj dlh aj \u00faroky v dohodnutom term\u00edne. <a href=\"https:\/\/www.euroekonom.sk\/financie\/bankovnictvo-a-banky\/typy-uverov\/\">\u010clenenie \u00faverov<\/a> je zalo\u017een\u00e9 na z\u00e1klade d\u013a\u017eky obdobia na:<\/p>\n<ul>\n<li>dlhodob\u00e9 poskytovan\u00e9 spravidla na dobu nad 5 rokov, doba splatnosti by nemala presiahnu\u0165 \u010dasov\u00e9 rozp\u00e4tie 4-6 rokov,<\/li>\n<li>strednodob\u00e9 splatn\u00e9 a dobu 1-4 roky,<\/li>\n<li>kr\u00e1tkodob\u00e9 poskytovan\u00e9 na obdobie do 1 roka,<\/li>\n<\/ul>\n<p><strong>Finan\u010dn\u00e9 \u00favery<\/strong> sa vyskytuj\u00fa ke\u010f podnikatelia dok\u00e1\u017eu svoje investi\u010dn\u00e9 potreby pokry\u0165 len svojimi vlastn\u00fdmi zdrojmi, preto sa zau\u017e\u00edvalo \u010derpanie finan\u010dn\u00fdch \u00faverov. Tie s\u00fa normou \u00faverov ktor\u00e9 s\u00fa poskytovan\u00e9 na z\u00e1klade \u00faverovej zmluvy medzi dl\u017en\u00edkom a verite\u013eom za podmienok \u00faverovej zmluvy, poskytuj\u00fa sa v pe\u0148a\u017enej forme a na financovane rozvojov\u00fdch projektov podnikate\u013esk\u00fdch subjektov.<br \/>\n<strong>Dod\u00e1vate\u013esk\u00fd \u00faver<\/strong> naz\u00fdvan\u00fd ako <strong>obchodn\u00fd \u00faver<\/strong>, je to najstar\u0161ia forma \u00faverovania, nemusia sa pri \u0148om poskytova\u0165 \u017eiadne \u0161peci\u00e1lne z\u00e1ruky a form\u00e1lne sa nemusia plati\u0165 ani \u00faroky, s\u00fa zakalkulovan\u00e9 v cene dod\u00e1van\u00e9ho tovaru, je strednodob\u00fdm obchodn\u00fdm \u00faverom, ktor\u00fd si poskytuj\u00fa obchodn\u00ed partneri pri dod\u00e1vkach ve\u013ek\u00fdch strojov\u00fdch zariaden\u00ed. Podmienky \u00faveru z\u00e1visia od dohody dod\u00e1vate\u013ea a odberate\u013ea. Tieto sa poskytuj\u00fa v dvoch form\u00e1ch a to pri uzatv\u00e1ran\u00ed kontraktu zariadenie prech\u00e1dza do vlastn\u00edctva odberate\u013ea podmienen\u00fd predajn\u00fd kontrakt \u2013 dod\u00e1vate\u013e zost\u00e1va vlastn\u00edkom zariadenia a\u017e do zaplatenia poslednej spl\u00e1tky odberate\u013eom.<\/p>\n<h2>Samostatn\u00e9 formy financovania<\/h2>\n<p>V praxi sa v nich vyu\u017e\u00edvaj\u00fa formy financovania ako je leasing, forfaiting a franchising.<br \/>\n<strong>Leasing<\/strong> m\u00e1 naj\u0161ir\u0161ie uplatnenie nielen stredn\u00fdch a ve\u013ek\u00fdch podnikoch, ale t\u00e1to forma \u00faverovanie sa vyu\u017e\u00edva vo ve\u013ekej miere aj v mal\u00fdch, rozli\u0161uje sa \u010di ide o pren\u00e1jom dlhodob\u00e9ho alebo kr\u00e1tkodob\u00e9ho charakteru. Rozli\u0161ujeme operat\u00edvny leasing a finan\u010dn\u00fd leasing. Operat\u00edvny je zalo\u017een\u00fd na kr\u00e1tkodobom pren\u00e1jme majetku, kde prenaj\u00edmate\u013e zn\u00e1\u0161a v\u0161etky rizik\u00e1 vypl\u00fdvaj\u00face z vlastn\u00edctva, obidve strany m\u00f4\u017eu zmluvu zru\u0161i\u0165, je vhodn\u00fd pre pren\u00e1jom tovarov ako je PC, automobil pod.<br \/>\nFinan\u010dn\u00fd leasing je charakteristick\u00fd a zalo\u017een\u00fd na dlhodobom pren\u00e1jme, upravuje sa n\u00e1jomnou zmluvou, ktor\u00fa nem\u00f4\u017ee ani jedna zo zmluvn\u00fdch str\u00e1n vypoveda\u0165.<br \/>\n<strong>Forfaiting<\/strong> je osobitnou formou strednodob\u00e9ho ale aj dlhodob\u00e9ho financovania, uplat\u0148ovan\u00e1 v zahrani\u010dnom obchode. Export\u00e9r pri tejto forme dod\u00e1 tovar import\u00e9rovi na \u00faver, zatia\u013e \u010do import\u00e9r vystav\u00ed v prospech v\u00fdvozcu zmenku alebo dl\u017en\u00fd \u00fapis. V tomto pr\u00edpade ide o odk\u00fapenie dlhodob\u00fdch a strednodob\u00fdch poh\u013ead\u00e1vok pred term\u00ednom splatnosti, naj\u010dastej\u0161ie bankou, ktor\u00fd je spojen\u00fd hlavne s predajom strojov, zariaden\u00ed a investi\u010dn\u00fdch celkov dod\u00e1van\u00fdch na dlhodobej\u0161\u00ed dod\u00e1vate\u013esk\u00fd \u00faver. Jeho prednos\u0165ou pre export\u00e9ra je, \u017ee sa u neho predaj na \u00faver men\u00ed na predaj za hotov\u00e9, jeho v\u00fdhodou je pomern\u00e1 jednoduchos\u0165, diskr\u00e9tnos\u0165 a r\u00fdchlos\u0165 oper\u00e1cie. A nev\u00fdhodou s\u00fa pomerne vysok\u00e9 prov\u00edzie forfait\u00e9rov.<br \/>\n<strong>Franchising<\/strong> je pova\u017eovan\u00fd za dohodu, ktorou silnej\u0161ia a zaveden\u00e1 firma postupuje hlavne za\u010d\u00ednaj\u00facemu podnikate\u013eovi pr\u00e1vo pred\u00e1va\u0165 v\u00fdrobky tejto firmy v ur\u010ditom terit\u00f3riu, \u010di\u017ee poskytova\u0165 slu\u017eby pod\u013ea jej \u0161tandardn\u00fdch postupov. Je to odbytov\u00fd syst\u00e9m, prostredn\u00edctvom ktor\u00e9ho sa pred\u00e1vaj\u00fa v\u00fdrobky, technol\u00f3gie a slu\u017eby. Jeho cie\u013eom je \u00fazka spolupr\u00e1ca pr\u00e1vne samostatn\u00fdch a finan\u010dne nez\u00e1visl\u00fdch podnikov. Kontrakt sa uzatv\u00e1ra medzi franchisorom (dod\u00e1vate\u013eom) a franchiserom (odberate\u013eom), z\u00e1kladom je franchisingov\u00e1 zmluva, ktor\u00e1 sa do h\u013abky zaober\u00e1 partnermi, povinnos\u0165ami a pr\u00e1vami jednotliv\u00fdch zmluvn\u00fdch partnerov, obchodnou \u010dinnos\u0165ou a in\u00fdmi skuto\u010dnos\u0165ami. Zmluva sa uzatv\u00e1ra na dlhodob\u00fa dobu a jej uzavret\u00edm vznik\u00e1 zvl\u00e1\u0161tny na spolupr\u00e1ci zalo\u017een\u00fd \u00faverov\u00fd vz\u0165ah, aj v tomto pr\u00edpade je probl\u00e9m s financovan\u00edm, n\u00e1klady pri zakladan\u00ed nov\u00e9ho tak\u00e9hoto typu podniku s\u00fa jednor\u00e1zovo pomerne vysok\u00e9, pri\u010dom vstupn\u00fd poplatok je platen\u00fd franchisorovi a je v\u00fdznamnou polo\u017ekou, vznik\u00e1 tu potreba \u00faveru pre vstup do franchisingov\u00e9ho syst\u00e9mu.<br \/>\n<strong>Kr\u00e1tkodob\u00e9 \u00favery<\/strong> tie s\u00fa ur\u010den\u00e9 na kr\u00e1tkodob\u00e9 preklenutie nes\u00faladu medzi potrebou zdrojov financovania a ich disponibilnou v\u00fd\u0161kou. <strong>Obchodn\u00e9 \u00favery<\/strong> s\u00fa <a href=\"https:\/\/www.euroekonom.sk\/financie\/bankovnictvo-a-banky\/pasivne-uverove-operacie-komercnych-bank\/\">formou kr\u00e1tkodob\u00e9ho \u00faverovania<\/a> a svojou podstatou s\u00fa podobn\u00e9 dod\u00e1vate\u013esk\u00e9mu \u00faveru, ktor\u00fd je charakteristick\u00fd \u017ee odberate\u013e zaplat\u00ed dod\u00e1vate\u013eovi za tovar alebo slu\u017eby a\u017e po term\u00edne splatnosti. Uzatvorenie tejto zmluvy je p\u00edsomn\u00fdm dokladom vo forme fakt\u00fary, kde s\u00fa uveden\u00e9 druh, mno\u017estvo a cena dodan\u00e9ho tovaru aj konkr\u00e9tne platobn\u00e9 podmienky.<br \/>\nSt\u00e1le a nest\u00e1le pas\u00edva maj\u00fa charakter \u00faverov\u00fdch zdrojov, ktor\u00e9 m\u00e1 podnik bezplatne k dispoz\u00edci\u00ed a m\u00f4\u017ee ich pou\u017ei\u0165 hlavne na financovanie podnikania, tie vznikaj\u00fa vo forma z\u00e1v\u00e4zkov vo\u010di zamestnancom za nevyplaten\u00e9 mzdy, vo\u010di \u0161t\u00e1tnemu rozpo\u010dtu, alebo vo\u010di rozpo\u010dtom miestnej spr\u00e1vy za neodveden\u00fa da\u0148.<br \/>\n<strong>Bankov\u00e9 \u00favery<\/strong> s\u00fa s dobou splatnosti do 1 roka, ktor\u00e9 poskytuj\u00fa komer\u010dn\u00e9 banky svojim klientom, m\u00f4\u017eu by\u0165 poskytovan\u00e9 v r\u00f4znych form\u00e1ch ako kontokorentn\u00fd \u00faver, ten patr\u00ed medzi najpou\u017e\u00edvanej\u0161ie kr\u00e1tkodob\u00e9 \u00favery. Tento sl\u00fa\u017ei na zlep\u0161enie platobnej schopnosti a likvidity podniku. <strong>Revolvingov\u00fd \u00faver<\/strong> je osobitn\u00fdm druhom kontokorentn\u00e9ho \u00faveru, ktor\u00fd sa poskytuje klientovi na z\u00e1klade pr\u00e1vnej dohody, na z\u00e1klade ktorej banka umo\u017e\u0148uje klientovi kedyko\u013evek \u010derpa\u0165 kr\u00e1tkodob\u00fd \u00faver do ur\u010ditej maxim\u00e1lnej v\u00fd\u0161ky na z\u00e1klade potrieb klienta. <strong>Lombardov\u00fd \u00faver<\/strong> je zaru\u010den\u00fd konkr\u00e9tnym obchodovate\u013en\u00fdm majetkom dl\u017en\u00edka. Ak dl\u017en\u00edk nepln\u00ed svoje z\u00e1v\u00e4zky vypl\u00fdvaj\u00face z \u00faverovej zmluvy, banka m\u00f4\u017ee lombard spe\u0148a\u017ei\u0165 a z v\u00fdnosu uhradi\u0165 svoju poh\u013ead\u00e1vku i \u00faroky. Na z\u00e1klade majetku, ktor\u00fd tvor\u00ed z\u00e1bezpeku \u00faveru, ide o lombardn\u00fd \u00faver zabezpe\u010den\u00fd CP, akceptovanou \u00e1vnej formy a ve\u013ekosti podniku. P\u00f4vodn\u00fd vklad je mo\u017en\u00e9 zv\u00fd\u0161i\u0165 ak v priebehu \u010dinnosti vznikne potreba kapit\u00e1lu a podnik nem\u00e1 dostatok intern\u00fdch zdrojov. (MAJKOV\u00c1 M. Mo\u017enosti financovania mal\u00fdch a stredn\u00fdch podnikov v SR. Brno: Tribun E\u00da s.r.o. 2008. 44 s. ISBN: 978-80-7399-590-4)<\/p>\n<h2>Programy, mechanizmy a in\u0161tit\u00facie ako extern\u00fd zdroj financovania<\/h2>\n<p>Existuje nieko\u013eko programov, mechanizmov a in\u0161tit\u00faci\u00ed, ktor\u00e9 pod\u00e1vaj\u00fa podnikate\u013eovi pomocn\u00fa ruku. Tak\u00e9to programy:<\/p>\n<ul>\n<li>Z\u00e1ru\u010dn\u00e9 programy \u2013 Slovensk\u00e1 z\u00e1ru\u010dn\u00e1 a rozvojov\u00e1 banka,<\/li>\n<li>\u00daverov\u00e9 programy- N\u00e1rodn\u00e1 agent\u00fara pre rozvoj MSP, Slovensk\u00e1 z\u00e1ru\u010dn\u00e1 a rozvojov\u00e1 banka, Spolo\u010dnos\u0165 z\u00e1rodkov\u00e9ho kapit\u00e1lu, EXIM Bank of Japan, Slovensko- americk\u00fd podnikate\u013esk\u00fd fond, EXIM Banka SR,<\/li>\n<li>Pr\u00edspevkov\u00e9 programy \u2013 Ministerstvo hospod\u00e1rstva SR, Ministerstvo \u017eivotn\u00e9ho prostredia SR, Ministerstvo dopravy a p\u00f4\u0161t a telekomunik\u00e1ci\u00ed SR, N\u00e1rodn\u00e1 agent\u00fara pre rozvoj MSP, Slovensk\u00e1 z\u00e1ru\u010dn\u00e1 a rozvojov\u00e1 banka, Slovensk\u00e1 agent\u00fara pre rozvoj invest\u00edci\u00ed a obchodu,<\/li>\n<li>Kapit\u00e1lov\u00e9 vstupy \u2013 Spolo\u010dnos\u0165 z\u00e1rodkov\u00e9ho kapit\u00e1lu, Slovensko- americk\u00fd podnikate\u013esk\u00fd fond. (Majkov\u00e1, 2008)<\/li>\n<\/ul>\n<h3>NARMSP<\/h3>\n<p><a href=\"https:\/\/www.euroekonom.sk\/ekonomika\/male-a-stredne-podnikanie\/\">N\u00e1rodn\u00e1 agent\u00fara pre rozvoj mal\u00fdch a stredn\u00fdch podnikov<\/a> (NARMSP, NADSME) koordinuje aktivity, ktor\u00e9 s\u00fa zameran\u00e9 na podporu rozvoja MSP, pln\u00ed funkciu v\u0161estrann\u00e9ho informa\u010dn\u00e9ho centra pre podnikate\u013eov na dom\u00e1cej aj zahrani\u010dnej \u00farovni, ako aj funkciu organiz\u00e1tora vzdel\u00e1vac\u00edch a poradensk\u00fdch programov a realiz\u00e1tora \u0161irok\u00e9ho spektra finan\u010dn\u00fdch podporn\u00fdch programov pre MSP. Trvalou \u00falohou je monitorovanie v\u00fdvoja a stavu podnikate\u013esk\u00e9ho prostredia aj MSP. D\u00f4le\u017eitou \u010dinnos\u0165ou s\u00fa podporn\u00e9 programy realizovan\u00e9 s finan\u010dnou \u00fa\u010das\u0165ou \u0161t\u00e1tneho rozpo\u010dtu aj fondov EK.<br \/>\nPr\u00edspevkov\u00e9 programy ako je podpora zav\u00e1dzania syst\u00e9mov riadenia kvality alebo transfer inovat\u00edvnych technol\u00f3gi\u00ed sa u podnikate\u013eskej verejnosti stretli so z\u00e1ujmom. Poradensk\u00e9 slu\u017eby a vzdel\u00e1vanie podnikate\u013eov s\u00fa ve\u013emi d\u00f4le\u017eit\u00e9. Je mo\u017en\u00e9 podporn\u00e9 programy NARMSP deli\u0165 na:<\/p>\n<ul>\n<li>Pr\u00edspevkov\u00e9 ( transfer technol\u00f3gi\u00ed, Program zav\u00e1dzania syst\u00e9mov riadenia kvality &#8211; kvalita, sch\u00e9ma podpory medzin\u00e1rodnej korpor\u00e1cie,- Subkontrakt\u00e1cia<\/li>\n<li>\u00faverov\u00e9,( podporn\u00fd \u00faverov\u00fd program, Mikro p\u00f4\u017ei\u010dkov\u00fd program)<\/li>\n<li>kapit\u00e1lov\u00e9 vstupy ( Seed Capital Company). (Fetisov\u00e1, Vlachynsk\u00fd, Sirotka, 2004)<\/li>\n<\/ul>\n<h3>SZRB<\/h3>\n<p>Slovensk\u00e1 z\u00e1ru\u010dn\u00e1 a rozvojov\u00e1 banka je akciov\u00e1 spolo\u010dnos\u0165, kde m\u00e1 100% \u00fa\u010das\u0165 \u0161t\u00e1t, m\u00e1 \u0161pecifick\u00fa \u010dinnos\u0165 zameran\u00fa predov\u0161etk\u00fdm na podporu financovania MSP, ktor\u00fdch defin\u00edcia je legislat\u00edvne kombinovan\u00e1 s E\u00da. Zabezpe\u010duje financovanie MSP hlavne pomocou:<\/p>\n<ul>\n<li>z\u00e1ru\u010dn\u00fdch,<\/li>\n<li>pr\u00edspevkov\u00fdch,<\/li>\n<li>\u00faverov\u00fdch programov.<\/li>\n<\/ul>\n<p>Prostredn\u00edctvom princ\u00edpov plne porovnate\u013en\u00fdch a kompatibiln\u00fdch s legislat\u00edvou E\u00da. Jedine\u010dnos\u0165 banky spo\u010d\u00edva v poskytovan\u00ed bankov\u00fdch podp\u00f4r kombinovan\u00fdm sp\u00f4sobom. Svoje podporn\u00e9 programy MSP stavu realizuje vo forme poskytovania z\u00e1ruk, \u00faverov a nen\u00e1vratn\u00fdch finan\u010dn\u00fdch pr\u00edspevkov, s uplat\u0148ovan\u00edm mnoho sektorovej podpory, na rozvoj miest, obc\u00ed, regi\u00f3nov, bytovej v\u00fdstavby, po\u013enohospod\u00e1rstva, \u00faspor energie a in\u00e9. Podporuje aj \u017eivnostn\u00edkov. Na z\u00e1klade anal\u00fdzy \u00faverovanie MSP dospela k z\u00e1veru, \u017ee tento segment m\u00e1 s\u0165a\u017een\u00fd pr\u00edstup k \u00faverov\u00fdm zdrojom. Na vl\u00e1dou schv\u00e1len\u00e9 programy sa zdrojov\u00e9 krytie zabezpe\u010duje transfermi zo \u0161t\u00e1tneho rozpo\u010dtu a z vlastn\u00fdch v\u00fdnosov. Na zabezpe\u010denie banky finan\u010dn\u00fdmi zdrojmi m\u00e1 v\u00fdznamn\u00e9 miesto vz\u00e1jomne uzatv\u00e1ran\u00e9 \u00faverov\u00e9 zmluvy so zahrani\u010dn\u00fdmi bankami, ako s\u00fa \u00faverov\u00e9 linky Kreditstalt f\u00fcr Wiederaufbau (KfW) a z Rozvojovej banky Rady Eur\u00f3py (CEB).<br \/>\nZ\u00e1ru\u010dn\u00e9 programy banke poskytuje banka vo v\u00fd\u0161ke 65 % opr\u00e1vnen\u00fdch n\u00e1kladov ak sa pomoc poskytuje MSP. Z\u00e1ruku je mo\u017en\u00e9 poskytn\u00fa\u0165 pomocou jedn\u00e9ho z nasleduj\u00facich z\u00e1ru\u010dn\u00fdch programov:<\/p>\n<ul>\n<li>Program na podporu mal\u00e9ho stredn\u00e9ho podnikania formou poskytovania bankov\u00fdch z\u00e1ruk na finan\u010dn\u00e9 \u00favery,<\/li>\n<li>Program na podporu mal\u00e9ho a stredn\u00e9ho podnikania formou poskytovanie protiz\u00e1ruk na zahrani\u010dn\u00e9 \u00favery,<\/li>\n<li>Program na podporu mal\u00e9ho a stredn\u00e9ho podnikania formou poskytovania bankov\u00fdch z\u00e1ruk na \u201epred hypotek\u00e1rne \u00favery\u201c,<\/li>\n<li>Program podpory rozvoja bytovej v\u00fdstavby realizovanej formou bankov\u00fdch z\u00e1ruk na \u00favery,<\/li>\n<li>Program na podporu zabezpe\u010denia sez\u00f3nnych po\u013enohospod\u00e1rskych pr\u00e1c formou poskytovania z\u00e1ruk,<\/li>\n<li>Program na podporu mal\u00fdch a stredn\u00fdch po\u013enohospod\u00e1rskych subjektov formou poskytovania bankov\u00fdch z\u00e1ruk na finan\u010dn\u00e9 \u00favery a jednorazov\u00fdch nen\u00e1vratn\u00fdch finan\u010dn\u00fdch pr\u00edspevkov,<\/li>\n<li>Program podpory rozvoja kombinovanej dopravy v SR,<\/li>\n<li>Program na podporu mal\u00fdch a stredn\u00fdch po\u013enohospod\u00e1rskych subjektov formou vystavenia bankov\u00fdch z\u00e1ruk na \u00favery \u00fa\u010delovo ur\u010den\u00e9 na n\u00e1kup agrochemik\u00e1li\u00ed a hnoj\u00edv,<\/li>\n<li>Program na podporu po\u013enohospod\u00e1rskych subjektov formou poskytovania bankov\u00fdch z\u00e1ruk na zmenkov\u00e9 obchody,<\/li>\n<li>Program podpory n\u00e1kupu novej po\u013enohospod\u00e1rskej aj potravin\u00e1rskej techniky a technol\u00f3gie formou poskytovania bankov\u00fdch z\u00e1ruk na \u00favery,<\/li>\n<li>Program podpory n\u00e1kupu nehnute\u013en\u00e9ho majetku vr\u00e1tane s\u00favisiaceho hnute\u013en\u00e9ho majetku od \u00fapadcu prostredn\u00edctvom spr\u00e1vcu konkurznej podstaty, exek\u00fatora- likvid\u00e1tora formou poskytovania bankov\u00fdch z\u00e1ruk na \u00favery. (www.szrb.sk)<\/li>\n<\/ul>\n<h2>Pou\u017eit\u00e1 literat\u00fara<\/h2>\n<p>FETISOVOV\u00c1. E., VLACHYNSK\u00dd, K., SIROTKA, V. 2004. Financie mal\u00fdch a stredn\u00fdch podnikov. Bratislava: Iura Edition, 2004. 260 s. ISBN 80-89047-87-4<br \/>\nMAJKOV\u00c1 M. Mo\u017enosti financovania mal\u00fdch a stredn\u00fdch podnikov v SR. Brno: Tribun E\u00da s.r.o. 2008. 44 s. ISBN: 978-80-7399-590-4<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Na financovanie podnikov\u00fdch aktiv\u00edt sa vyu\u017e\u00edvaj\u00fa intern\u00e9 zroje financovania a extr\u00e9me zdroje financovania. Extern\u00e9 financovanie predstavuj\u00fa v\u0161etky zdroje, ktor\u00e9 do podniku prich\u00e1dzaj\u00fa zvonka od in\u00fdch &hellip; <\/p>\n","protected":false},"author":9,"featured_media":24941,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23,551],"tags":[193,194,195,196],"class_list":["post-10369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financie","category-podnikam","tag-financovanie","tag-forfaiting","tag-franchising","tag-leasing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Extern\u00e9 zdroje financovania podniku<\/title>\n<meta name=\"description\" content=\"Programy, mechanizmy a in\u0161tit\u00facie ako extern\u00fd zdroj financovania. 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