{"id":6022,"date":"2019-03-24T16:38:54","date_gmt":"2019-03-24T14:38:54","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=6022"},"modified":"2026-01-03T22:04:57","modified_gmt":"2026-01-03T20:04:57","slug":"cum-sa-scapi-compania-de-datorii-5-sfaturi-venite-de-la-experti","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/cum-sa-scapi-compania-de-datorii-5-sfaturi-venite-de-la-experti\/","title":{"rendered":"Cum s\u0103 scapi compania de datorii. 5 sfaturi probate venite de la exper\u021bi"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Una dintre cele mai u\u0219oare c\u0103i prin care o afacere poate avea probleme financiare este aceea de a-\u0219i asuma prea multe datorii. Acest lucru este valabil mai ales atunci c\u00e2nd economia stagneaz\u0103 \u0219i nu exist\u0103 suficiente v\u00e2nz\u0103ri pentru a compensa sarcina suplimentar\u0103 a datoriilor. Mul\u021bi antreprenori s-au \u00eemprumutat pentru a cre\u0219te afacerea, \u00eentr-o perioad\u0103 c\u00e2nd economia se afla \u00een plin\u0103 expansiune. Acum se chinuie s\u0103 gestioneze aceste datorii, dar se confrunt\u0103 cu o sc\u0103dere a v\u00e2nz\u0103rilor, astfel c\u0103, multe dintre ele au sf\u00e2r\u0219it prost. Proprietarii nu au avut alt\u0103 solu\u021bie \u0219i au intrat \u00een faliment. <\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"800\" height=\"371\" data-attachment-id=\"6023\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/cum-sa-scapi-compania-de-datorii-5-sfaturi-venite-de-la-experti\/f2fc472a-862f-44b3-a57e-33850dc9fb1d\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/F2FC472A-862F-44B3-A57E-33850DC9FB1D.jpeg?fit=800%2C371&amp;ssl=1\" data-orig-size=\"800,371\" data-comments-opened=\"0\" data-image-title=\"F2FC472A-862F-44B3-A57E-33850DC9FB1D\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/F2FC472A-862F-44B3-A57E-33850DC9FB1D.jpeg?fit=800%2C371&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/F2FC472A-862F-44B3-A57E-33850DC9FB1D.jpeg?resize=800%2C371&#038;ssl=1\" alt=\"\" class=\"wp-image-6023 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/F2FC472A-862F-44B3-A57E-33850DC9FB1D.jpeg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/F2FC472A-862F-44B3-A57E-33850DC9FB1D.jpeg?resize=300%2C139&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/F2FC472A-862F-44B3-A57E-33850DC9FB1D.jpeg?resize=768%2C356&amp;ssl=1 768w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/371;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Dac\u0103 sarcina datoriilor este prea mare, iar falimentul nu este o op\u021biune pentru dumneavoastr\u0103, iat\u0103 cum pute\u021bi s\u0103 \u00eencerca\u021bi s\u0103 le reduce\u021bi: <\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Determina\u021bi rata datoriilor\/ capitalurilor proprii<\/b><br>Mai \u00eent\u00e2i va trebui s\u0103 calcula\u021bi rata datoriilor fa\u021b\u0103 de capitalul propriu. Acest calcul v\u0103 indic\u0103 exact c\u00e2t de mult datora\u021bi creditorilor, fa\u021b\u0103 de num\u0103rul capitalului propriu din afacere. Pentru asta, ve\u021bi avea nevoie de dou\u0103 cifre. \u00cen primul r\u00e2nd, ad\u0103uga\u021bi toat\u0103 datoria dumneavoastr\u0103, at\u00e2t pe termen scurt, c\u00e2t \u0219i pe termen lung. Apoi, ve\u021bi avea nevoie de valoarea capitalului. Apoi introduce\u021bi numerele \u00een aceast\u0103 formul\u0103:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>datorie fa\u021b\u0103 de capitaluri proprii = datoria total\u0103\/capitalul total<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deci, dac\u0103 ave\u021bi o datorie total\u0103 \u00een valoare de 200.000 de dolari \u0219i capitalul propriu este de 100.000 de dolari, raportul datoriilor fa\u021b\u0103 de capitalul propriu este 2. Aceasta \u00eenseamn\u0103 c\u0103 pentru fiecare dolar pe care \u00eel de\u021bine\u021bi \u00een companie, datora\u021bi doi dolari creditorilor. Dac\u0103 raportul datoriilor\/capitalurilor proprii este prea mare, \u00eenseamn\u0103 c\u0103 profiturile ob\u021binute din v\u00e2nz\u0103ri nu sunt suficiente pentru a acoperi toat\u0103 datoria. Ratele ideale variaz\u0103 \u00een func\u021bie de industrie, deci va trebui s\u0103 face\u021bi propria cercetare pentru a g\u0103si num\u0103rul ideal.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"1000\" height=\"665\" data-attachment-id=\"6024\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/cum-sa-scapi-compania-de-datorii-5-sfaturi-venite-de-la-experti\/76d97c89-24e6-4d4e-b4f8-2b8f1fb928c6\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?fit=800%2C532&amp;ssl=1\" data-orig-size=\"800,532\" data-comments-opened=\"0\" data-image-title=\"76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?fit=1000%2C665&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?resize=1000%2C665&#038;ssl=1\" alt=\"\" class=\"wp-image-6024 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?resize=1024%2C681&amp;ssl=1 1024w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?resize=768%2C511&amp;ssl=1 768w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?resize=165%2C109&amp;ssl=1 165w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?w=800&amp;ssl=1 800w\" data-sizes=\"(max-width: 1000px) 100vw, 1000px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1000px; --smush-placeholder-aspect-ratio: 1000\/665;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Cum s\u0103-\u021bi reduci datoria<\/b><br> Pe m\u0103sur\u0103 ce reu\u0219iti s\u0103 sc\u0103pa\u021bi mai repede de datorii, cresc \u0219i sansele ca afacerea s\u0103 \u00eenfloreasc\u0103. Acest lucru v\u0103 permite s\u0103 investi\u021bi mai mult, s\u0103 cre\u0219te\u021bi afacerea, mai degrab\u0103 dec\u00e2t s\u0103 pl\u0103ti\u021bi \u00eencontinuu creditorii. Iat\u0103 c\u00e2teva dintre modalit\u0103\u021bile prin care pute\u021bi realiza acest lucru:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Discuta\u021bi cu furnizorii \u0219i creditorii dumneavoastr\u0103.<\/b> Probabil c\u0103 nu este prima dat\u0103 c\u00e2nd unul dintre clien\u021bii lor au probleme financiare. \u00cencerca\u021bi s\u0103 negocia\u021bi un plan de plat\u0103 care extinde termenii contractuali \u0219i care v\u0103 ofer\u0103 un timp suplimentar pentru a pl\u0103ti. Acela\u0219i lucru este valabil \u0219i pentru alte tipuri de creditori. Ace\u0219tia \u0219tiu c\u0103 pot c\u00e2\u0219tiga din \u00een\u021belegerea pe care o ave\u021bi cu ei. Cu sigurant\u0103, nu va fi pe placul lor s\u0103 vad\u0103 c\u0103 puneti lac\u0103tul pe u\u0219\u0103, a\u0219a c\u0103 ave\u021bi \u00een vedere s\u0103 cere\u021bi o am\u00e2nare de plat\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Vinde\u021bi echipamentele \u0219i obiectele pe care le considera\u021bi \u00een plus.<\/b>Acestea ar fi putea fi ma\u0219ini sau imobile. Folosi\u021bi sumele c\u00e2\u0219tigate \u00een urma v\u00e2nz\u0103rii lor pentru reducerea datoriei. <br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Str\u00e2nge\u021bi centura<\/b>. Reducerea cheltuielilor este crucial\u0103 atunci c\u00e2nd \u00eencerca\u021bi s\u0103 sc\u0103pa\u021bi de datorii. Verifica\u021bi toate cheltuielile de zi cu zi \u0219i vede\u021bi de unde pute\u021bi t\u0103ia.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><b>Lua\u021bi \u00een considerare un \u00eemprumut sau o consolidare a datoriilor.<\/b> Po\u021bi lua un \u00eemprumut pentru suma total\u0103 a datoriei tale. Astfel, ajungi s\u0103 faci o singur\u0103 plat\u0103. O alt\u0103 op\u021biune este angajarea unui serviciu de consolidare a datoriilor, care va colabora cu creditorii dumneavoastra. Scopul este acela de negociere al unui plan de plat\u0103 pe care s\u0103 \u0219ti\u021bi c\u0103 \u00eel pute\u021bi urma. Consolidarea tuturor datoriilor \u00eentr-un singur \u00eemprumut nu trebuie considerat\u0103 solu\u0163ia tuturor problemelor. Dac\u0103 este folosit\u0103 cum trebuie, te poate ajuta s\u0103 \u00ee\u0163i pl\u0103te\u015fti datoriile, dar dac\u0103 exist\u0103 probleme mai grave, \u00ee\u0163i va acorda numai un r\u0103gaz temporar. Consolidarea datoriilor nu constituie un drept al consumatorilor. Trebuie avut \u00een vedere c\u0103 este un serviciu pe care creditorul \u00eel poate refuza. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>","protected":false},"excerpt":{"rendered":"<p>Una dintre cele mai u\u0219oare c\u0103i prin care o afacere poate avea probleme financiare este aceea de a-\u0219i asuma prea multe datorii. Acest lucru este valabil mai ales atunci c\u00e2nd economia stagneaz\u0103 \u0219i nu exist\u0103 suficiente v\u00e2nz\u0103ri pentru a compensa sarcina suplimentar\u0103 a datoriilor. Mul\u021bi antreprenori s-au \u00eemprumutat pentru a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":6024,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"wpzoom_is_breaking":1,"source_url":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[9,363],"tags":[],"class_list":["post-6022","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actual","category-market"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-1z8","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/03\/76D97C89-24E6-4D4E-B4F8-2B8F1FB928C6.jpeg?fit=800%2C532&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6022","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=6022"}],"version-history":[{"count":3,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6022\/revisions"}],"predecessor-version":[{"id":6027,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/6022\/revisions\/6027"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/6024"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=6022"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=6022"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=6022"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}