%0 Journal Article
%T Payment Risk Estimation in the Markets of Lithuania, Latvia and Estonia Mok jim  rizikos  vertinimas Lietuvos, Latvijos ir Estijos rinkose
%A Ingrida Grigonyt£¿
%A Vytautas S¨±d£¿ius
%J Business, Management and Education
%D 2011
%I Vilnius Gediminas Technical University
%R 10.3846/bme.v8i1.1
%X According to difficult business situation, payments to business partners, clients or suppliers are delayed more than usual. That could be a serious threat to enterprises. In this article solvency importance to all business units as well as company¡®s ability to pay their debts to other market units (partners, suppliers, etc.) in Lithuania, Latvia and Estonia are discussed. The data used in this article are taken from Intrum Justitia OY EPI (European Payment Index) research. Payment index in three Baltic region countries, harm that can be done to enterprises, and company¡®s behaviour according to payment delays are analysed. At the end of the article there are recommendations of actions needed to be taken in order to prevent company¡®s solvency. Keywords: paying capacity, payment risk, payment index. Industrin  pasaul  veikia did iausias ekonominis nuosmukis nuo Did iosios depresijos laik . Gryn j  pinig  sraut  i laikymas ir stiprinimas  iuo metu yra gyvybi kai svarbus verslui, tiek stambiajam, tiek smulkiajam. Bankai Europoje ir kitur riboja kreditus ar tiesiog atsisako finansuoti apyvartin  kapital . Tai ver ia  mones pasikliauti tik savo pa i  j gomis ir apsiriboti gryn j  pinig  sraut  reguliavimu. Rezultatas toks, kad dauguma verslo  moni  dabar kovoja u  savo i likim  ma  jant  vairios produkcijos paklausai bei investicijoms.  moni , j  akcinink  ir darbuotoj  ateitis priklauso nuo  moni  geb jimo tvirtai valdyti i laidas ir pajamas.  moni  skolos klientams, partneriams, tiek jams nuolat auga didindamos ir taip auk t  kredito rizik . Tai tampa rimta mokumo problema, ribojan ia verslo i likimo ir pl tros galimybes tiek Lietuvoje, tiek kitose Baltijos regiono valstyb se. Straipsnio tikslas ¨C ap velgus esam  verslo mokumo rinkos dalyviams pad t  trijose Baltijos regiono valstyb se, pasi¨±lyti  mon ms galimus sprendimus, kurie pad t  ma inti verslo vienet  debitorinio  siskolinimo keliam  rizik , neretai gr sming   moni  i likimui. Atliktas tyrimas ir gaut  duomen  analiz  atskleid ia  moni  Lietuvoje, Latvijoje ir Estijoje pad t  atsiskaitant u  suteiktas paslaugas ar pristatytas prekes, v luojan i  mok jim  rizik , prie astis ir galimas pasekmes. Remiantis Lietuvos ir kaimynini  valstybi  verslo  moni  debitorini   siskolinim  valdymo ap valga galima geriau suprasti esam  verslo pad t  bei s
%K paying capacity
%K payment risk
%K payment index
%U http://www.bme.vgtu.lt/index.php/bme/article/view/1