{"id":289011,"date":"2026-09-08T21:24:30","date_gmt":"2026-09-08T21:24:30","guid":{"rendered":"https:\/\/www.europesays.com\/lv\/289011\/"},"modified":"2026-09-08T21:24:30","modified_gmt":"2026-09-08T21:24:30","slug":"nakotni-nevar-paredzet-bet-tai-var-sagatavoties-praktiskie-soli-biznesam","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/lv\/289011\/","title":{"rendered":"N\u0101kotni nevar paredz\u0113t, bet tai var sagatavoties. Praktiskie so\u013ci biznesam"},"content":{"rendered":"<p>    <img decoding=\"async\" src=\"https:\/\/www.europesays.com\/lv\/wp-content\/uploads\/2026\/09\/b3893aea-cddf-4b34-b098-818bcf7dba15-1024x683.jpg\" alt=\"&#10;Dmitrijs Krilovskis&#10;\"\/><\/p>\n<p>Dmitrijs Krilovskis<\/p>\n<p>Dmitrijs Krilovskis\n<\/p>\n<p>                                                <a href=\"https:\/\/news.google.com\/publications\/CAAqHQgKIhdDQklTQ3dnTWFnY0tCV3hoTG14MktBQVAB?hl=lv&amp;gl=LV&amp;ceid=LV%3Alv\" target=\"_blank\" style=\"font-family:SF Pro Display, Roboto, serif;font-size:12px;font-weight:bold;text-transform:uppercase;color:#000;text-decoration:none;line-height:34px;height:32px;display:block\" rel=\"nofollow noopener\"><br \/>\n                            Pievieno LA.LV<br \/>\n                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.la.lv\/assets\/images\/icon\/logo-google.svg\" style=\"margin-left:4px;vertical-align: -5px;\" width=\"18\" height=\"18\"\/><br \/>\n                        <\/a><br \/>\n                                                                        <a href=\"https:\/\/whatsapp.com\/channel\/0029VbCMJEF2v1IwTt54UN0u\" target=\"_blank\" class=\"whatsapp-channel-follow\" rel=\"nofollow noopener\"><br \/>\n                            Seko WhatsApp<\/p>\n<p>                        <\/a><\/p>\n<p>14:04, 7. septembris 2026<\/p>\n<p>Dmitrijs Krilovskis, Rietumu Bankas viceprezidents, Resursu p\u0101rvaldes vad\u012bt\u0101js <\/p>\n<p>        Las\u012bt\u0101kie<br \/>\n        <a data-imagesrc=\"{&quot;300&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-300x200.jpg&quot;,&quot;768&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-768x512.jpg&quot;,&quot;1024&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-1024x682.jpg&quot;,&quot;80&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-80x48.jpg&quot;,&quot;112&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-112x64.jpg&quot;,&quot;664&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-664x442.jpg&quot;,&quot;240&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-240x160.jpg&quot;,&quot;263&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-263x175.jpg&quot;,&quot;507&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-507x338.jpg&quot;,&quot;118&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-118x70.jpg&quot;,&quot;348&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-348x225.jpg&quot;,&quot;640&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-640x640.jpg&quot;,&quot;90&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4-90x58.jpg&quot;,&quot;1280&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2018\\\/08\\\/aaa4.jpg&quot;}\" data-focuspoint=\"&quot;&quot;\" data-p=\"2603803\" href=\"https:\/\/www.la.lv\/sis-tris-zodiaka-zimes-drizuma-ieies-laimigaja-laikmeta-kas-ilgs-veselus-septinus-gadus\" class=\"content-item lazy-load\" wp_automatic_readability=\"26.5\" rel=\"nofollow noopener\" target=\"_blank\"><\/p>\n<p>                                <img decoding=\"async\" src=\"\" alt=\"\" style=\"\" data-imageid=\"\"\/><\/p>\n<p>                                Kokteilis<\/p>\n<p>\n                                                                                \u0160\u012bs tr\u012bs zodiaka z\u012bmes dr\u012bzum\u0101 ieies laim\u012bgaj\u0101 laikmet\u0101, kas ilgs veselus septi\u0146us gadus\n                            <\/p>\n<p><\/a><a data-imagesrc=\"{&quot;300&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2026\\\/07\\\/pexels-farhad-5713742-300x169.jpg&quot;,&quot;1024&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2026\\\/07\\\/pexels-farhad-5713742-1024x576.jpg&quot;,&quot;1536&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2026\\\/07\\\/pexels-farhad-5713742-1536x864.jpg&quot;,&quot;500&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2026\\\/07\\\/pexels-farhad-5713742-500x281.jpg&quot;,&quot;800&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2026\\\/07\\\/pexels-farhad-5713742-800x450.jpg&quot;,&quot;2560&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2026\\\/07\\\/pexels-farhad-5713742-scaled.jpg&quot;}\" data-focuspoint=\"&quot;&quot;\" data-p=\"2605255\" href=\"https:\/\/www.la.lv\/aizmirstiet-par-brinumproduktiem-luk-ko-likt-uz-skivja-ilgakai-un-veseligakai-dzivei\" class=\"content-item lazy-load\" wp_automatic_readability=\"26.5\" rel=\"nofollow noopener\" target=\"_blank\"><\/p>\n<p>                                <img decoding=\"async\" src=\"\" alt=\"\" style=\"\" data-imageid=\"\"\/><\/p>\n<p>                                Veselam<\/p>\n<p>\n                                                                                Aizmirstiet par br\u012bnumproduktiem! L\u016bk, ko likt uz \u0161\u0137\u012bvja ilg\u0101kai un vesel\u012bg\u0101kai dz\u012bvei\n                            <\/p>\n<p><\/a><a data-imagesrc=\"{&quot;300&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2025\\\/08\\\/female-with-tangled-hair-300x200.jpg&quot;,&quot;1024&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2025\\\/08\\\/female-with-tangled-hair-1024x681.jpg&quot;,&quot;1536&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2025\\\/08\\\/female-with-tangled-hair-1536x1022.jpg&quot;,&quot;500&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2025\\\/08\\\/female-with-tangled-hair-500x333.jpg&quot;,&quot;800&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2025\\\/08\\\/female-with-tangled-hair-800x532.jpg&quot;,&quot;2560&quot;:&quot;https:\\\/\\\/lastatic.ams3.cdn.digitaloceanspaces.com\\\/2025\\\/08\\\/female-with-tangled-hair-scaled.jpg&quot;}\" data-focuspoint=\"&quot;&quot;\" data-p=\"2603414\" href=\"https:\/\/www.la.lv\/pilna-kemme-ar-matiem-4-partikas-produkti-kas-var-palidzet-noverst-matu-izkrisanu\" class=\"content-item lazy-load\" wp_automatic_readability=\"26.5\" rel=\"nofollow noopener\" target=\"_blank\"><\/p>\n<p>                                <img decoding=\"async\" src=\"\" alt=\"\" style=\"\" data-imageid=\"\"\/><\/p>\n<p>                                Veselam<\/p>\n<p>\n                                                                                Pilna \u0137emme ar matiem? 4 p\u0101rtikas produkti, kas var pal\u012bdz\u0113t nov\u0113rst matu izkri\u0161anu\n                            <\/p>\n<p><\/a><br \/>\n        <a class=\"read-more\" href=\"https:\/\/www.la.lv\/top\" rel=\"nofollow noopener\" target=\"_blank\">Las\u012bt citas zi\u0146as<\/a><\/p>\n<p>P\u0113d\u0113jo gadu laik\u0101 Latvijas uz\u0146\u0113mumi ir saskaru\u0161ies ar b\u016btiskiem izaicin\u0101jumiem. Saspringt\u0101 \u0123eopolitisk\u0101 situ\u0101cij\u0101, pieg\u0101des \u0137\u0113\u017eu trauc\u0113jumi, pand\u0113mija, sankciju ietekme, digitaliz\u0101cija un citi faktori daudziem lika p\u0101rskat\u012bt un piel\u0101got biznesa mode\u013cus. Papildu izaicin\u0101jumus rad\u012bjis naftas un energoresursu cenu pieaugums, k\u0101 rezult\u0101t\u0101 \u0161ogad ir pasliktin\u0101ju\u0161\u0101s ekonomikas izaugsmes un infl\u0101cijas prognozes.<\/p>\n<p>Eiropas Centr\u0101l\u0101 banka ir samazin\u0101jusi IKP pieauguma prognozi 2026. gadam eiro zonai no 0,9% l\u012bdz 0,8%, vienlaikus paaugstinot infl\u0101cijas prognozi no 2.3% l\u012bdz 3%. L\u012bdz\u012bga tendence ir v\u0113rojama m\u016bsu valst\u012b \u2013 Latvijas Banka ir samazin\u0101jusi IKP prognozi \u0161im gadam no 2.8% l\u012bdz 2% un palielin\u0101jusi infl\u0101cijas prognozi no 3.2% l\u012bdz 3.6%, turkl\u0101t \u0161ie dati Latvij\u0101 uz negat\u012bvo pusi ir p\u0101rskat\u012bti ar\u012b n\u0101kamajam, 2027. gadam.<\/p>\n<p>    CITI \u0160OBR\u012aD LASA<\/p>\n<p>\u0160o tenden\u010du ietekm\u0113 p\u0113c vair\u0101ku gadu pauzes Eiropas Centr\u0101l\u0101 banka ir s\u0101kusi b\u0101zes procentu likmju paaugstin\u0101\u0161anu, un finan\u0161u tirgus dal\u012bbnieki neizsl\u0113dz turpm\u0101ku likmju k\u0101pumu, kas jau ietekm\u0113 EURIBOR l\u012bmeni un kred\u012btu procentu likmes, k\u0101 ar\u012b uz\u0146\u0113mumu finans\u0113\u0161anas izmaksas un pat\u0113ri\u0146a tendences. <\/p>\n<p>\u0160ie sign\u0101li skaidri liecina par to, ka uz\u0146\u0113mumiem ir j\u0101r\u0113\u0137in\u0101s ar \u0161o jauno realit\u0101ti, kad strauja izaugsme nav pa\u0161saprotama, un biznesa notur\u012bba k\u013c\u016bst par priek\u0161noteikumu ilgtsp\u0113j\u012bgai izaugsmei. M\u0113s Rietumu Bank\u0101 str\u0101d\u0101jam ar daudziem klientiem, un m\u016bsu pieredze liecina, ka tie uz\u0146\u0113mumi, kuri  savlaic\u012bgi piev\u0113r\u0161as risku p\u0101rvald\u012bbai un finan\u0161u stabilit\u0101tei, nenoteikt\u012bbas periodos sp\u0113j ne tikai veiksm\u012bg\u0101k p\u0101rvar\u0113t gr\u016bt\u012bbas, bet nereti ar\u012b ieg\u016bst konkurences priek\u0161roc\u012bbas.<\/p>\n<p>Bankas ir stingri regul\u0113ta nozare, kur stabilit\u0101te un dro\u0161\u012bba ir pamatv\u0113rt\u012bbas. T\u0101d\u0113\u013c banku pieredze var kalpot par labu piem\u0113ru ar\u012b citiem uz\u0146\u0113mumiem, veidojot notur\u012bbu main\u012bgajos \u0101r\u0113jos apst\u0101k\u013cos.<\/p>\n<p>L\u0113mumi j\u0101pie\u0146em iepriek\u0161  <\/p>\n<p>Galven\u0101 pamatnost\u0101dne ir pie\u0146emt b\u016btiskus l\u0113mumus par probl\u0113mu risin\u0101\u0161anu pirms to ra\u0161an\u0101s. Praks\u0113 tas noz\u012bm\u0113 ikdien\u0101 r\u016bp\u0113ties par likvidit\u0101ti, risku p\u0101rvald\u012bbu, ieviest ilgtsp\u0113j\u012bgu l\u0113mumu pie\u0146em\u0161anas modeli, uztur\u0113t efekt\u012bvus biznesa procesus, k\u0101 ar\u012b analiz\u0113t iesp\u0113jamos negat\u012bvos att\u012bst\u012bbas scen\u0101rijus un izstr\u0101d\u0101t r\u012bc\u012bbas pl\u0101nus da\u017e\u0101d\u0101m situ\u0101cij\u0101m. <\/p>\n<p>Piem\u0113ram, bankas regul\u0101ri p\u0101rskata un pilnveido savus darb\u012bbas nep\u0101rtraukt\u012bbas pl\u0101nus un veic stresa testus, lai nov\u0113rt\u0113tu uz\u0146\u0113m\u0113jdarb\u012bbas notur\u012bbu pie da\u017e\u0101du hipot\u0113tisko negat\u012bvo scen\u0101riju iest\u0101\u0161an\u0101s, un sagatavo tiem r\u012bc\u012bbas pl\u0101nus. <\/p>\n<p>Prakse r\u0101da, ka citu nozaru Baltijas uz\u0146\u0113mumiem, kur \u0161\u012b prakse ir br\u012bvpr\u0101t\u012bga, tas joproj\u0101m ir retums. Protams, ir ar\u012b iz\u0146\u0113mumi. Piem\u0113ram, k\u0101ds m\u016bsu lielais klients  Igaunij\u0101 ir izcils piem\u0113rs tam, k\u0101 uztur\u0113t optim\u0101lu riska p\u0101rvald\u012bbas modeli: \u0161is uz\u0146\u0113mums diversific\u0113 ien\u0101kumu avotus, pieg\u0101d\u0101t\u0101jus un biznesa partnerus, izmanto da\u017e\u0101dus finans\u0113\u0161anas avotus, sa\u0146emot banku kred\u012btus un emit\u0113jot oblig\u0101cijas; ierobe\u017eo finan\u0161u riskus, izmantojot hed\u017e\u0113\u0161anas instrumentus; t\u0101dej\u0101di nodro\u0161inot savu darb\u012bbu pie da\u017e\u0101diem apst\u0101k\u013ciem. <\/p>\n<p>Hed\u017e\u0113\u0161ana \u2013 v\u0113rt\u012bgs riska p\u0101rvald\u012bbas instruments <\/p>\n<p>Val\u016btas kursa hed\u017e\u0113\u0161ana ir labs riska p\u0101rvald\u012bbas piem\u0113rs, kuru sav\u0101 darb\u012bba var izmantot ikviens viet\u0113jas uz\u0146\u0113mums, kura darb\u012bba nav ierobe\u017eota tikai ar eirozonas tirgu. M\u0113s redzam, ka da\u013cai uz\u0146\u0113mumu ir gr\u016bti pie\u0146emt un apzin\u0101ties, ka \u0161odienas izmaksas par \u0161o pakalpojumu ir ieguld\u012bjums stabilit\u0101t\u0113 un aizsardz\u012bb\u0101 pret risku, nodro\u0161inot, ka n\u0101kotn\u0113 val\u016btas kursa sv\u0101rst\u012bbas b\u016btiski neietekm\u0113s uz\u0146\u0113muma finan\u0161u rezult\u0101tus.<\/p>\n<p> Diem\u017e\u0113l Latvijas tirg\u016b ir ar\u012b re\u0101li piem\u0113ri, kad uz\u0146\u0113mumi, tostarp lieli un pieredz\u0113ju\u0161i, nepietiekami nov\u0113rt\u0113 val\u016btas hed\u017e\u0113\u0161anas noz\u012bmi un neizmanto \u0161o riska p\u0101rvald\u012bbas instrumentu. T\u0101 rezult\u0101t\u0101 nelabv\u0113l\u012bgas val\u016btas kursa sv\u0101rst\u012bbas var rad\u012bt b\u016btisku negat\u012bvu ietekmi uz komp\u0101nijas finan\u0161u rezult\u0101tiem.<\/p>\n<p>Praktiski hed\u017e\u0113\u0161ana noz\u012bm\u0113, ka uz\u0146\u0113mums ar savu banku var nosl\u0113gt n\u0101kotnes val\u016btas dar\u012bjumu (forward), ar kura pal\u012bdz\u012bbu tiek fiks\u0113ts konkr\u0113ts val\u016btas kurss n\u0101kotnes dar\u012bjuma datum\u0101. Piem\u0113ram, ja eksport\u0113jo\u0161s uz\u0146\u0113mums sagaida ie\u0146\u0113mumus ASV dol\u0101ros, bet t\u0101 gr\u0101matved\u012bbas uzskaite un finan\u0161u p\u0101rskati tiek veikti eiro, tas jau iepriek\u0161 var fiks\u0113t EUR\/USD val\u016btas kursu, t\u0101d\u0113j\u0101di pasarg\u0101jot savu naudas pl\u016bsmu no nelabv\u0113l\u012bg\u0101m val\u016btas kursa sv\u0101rst\u012bb\u0101m.<\/p>\n<p>\u0160\u0101da riska p\u0101rvald\u012bba nenoz\u012bm\u0113, ka uz\u0146\u0113mums m\u0113\u0123ina prognoz\u0113t val\u016btas kursa kust\u012bbu. Galvenais m\u0113r\u0137is ir samazin\u0101t vai piln\u012bb\u0101 nov\u0113rst negat\u012bvo ietekmi, ko val\u016btas kursa sv\u0101rst\u012bbas var rad\u012bt naudas pl\u016bsmai un finan\u0161u rezult\u0101tiem. Hed\u017e\u0113\u0161anas izmaksas ir atkar\u012bgas no dar\u012bjuma apjoma, termi\u0146a un tirgus apst\u0101k\u013ciem. Piem\u0113ram, \u0161obr\u012bd EUR\/USD val\u016btas p\u0101rim izmaksas var\u0113tu b\u016bt aptuveni 1,5% gad\u0101 no dar\u012bjuma summas jeb ap 0,13% m\u0113nes\u012b. Lai gan biznesam t\u0101s ir papildu izmaksas, praks\u0113 t\u0101s parasti ir sal\u012bdzino\u0161i nelielas sal\u012bdzin\u0101jum\u0101 ar potenci\u0101lajiem zaud\u0113jumiem, ko var rad\u012bt nelabv\u0113l\u012bgas val\u016btas kursa izmai\u0146as.<\/p>\n<p>Pl\u0101ns \u201cB\u201d nedr\u012bkst rasties kr\u012bzes laik\u0101<\/p>\n<p>No iepriek\u0161 min\u0113t\u0101 izriet n\u0101kam\u0101 pamatnost\u0101dne, ko es nosauktu \u201cPl\u0101ns B nedr\u012bkst rasties kr\u012bzes laik\u0101\u201d. Lai nodro\u0161in\u0101tu biznesa procesu nep\u0101rtraukt\u012bbu, alternat\u012bvajiem r\u012bc\u012bbas mode\u013ciem j\u0101b\u016bt izstr\u0101d\u0101tiem jau laikus. Risku mazin\u0101\u0161anai ir nepiecie\u0161ama pieg\u0101d\u0101t\u0101ju, pirc\u0113ju, produkcijas distrib\u016bcijas kan\u0101lu diversifik\u0101cija. Uz\u0146\u0113mumam nevajadz\u0113tu b\u016bt kritiski atkar\u012bgam no viena klienta, pieg\u0101d\u0101t\u0101ja, finans\u0113juma avota vai eksporta tirgus. Jo vair\u0101k alternat\u012bvu uz\u0146\u0113mums ir izveidojis iepriek\u0161, jo liel\u0101kas ir t\u0101 iesp\u0113jas veiksm\u012bgi piel\u0101goties p\u0101rmai\u0146\u0101m.<\/p>\n<p>Piem\u0113ram, m\u016bsu bankai vienm\u0113r ir bijis pla\u0161s korespondentbanku t\u012bkls. Tas noz\u012bm\u0113, ka vienm\u0113r ir alternat\u012bvi risin\u0101jumi maks\u0101jumu veik\u0161anai ar\u012b gad\u012bjumos, kad k\u0101ds no tirgus dal\u012bbniekiem ierobe\u017eo savu darb\u012bbu vai main\u0101s \u0123eopolitisk\u0101 situ\u0101cija. Rezult\u0101t\u0101 vair\u0101k nek\u0101 30 gadu garum\u0101 jebkuros apst\u0101k\u013cos m\u0113s sp\u0113jam \u0101tri veikt m\u016bsu klientu nor\u0113\u0137inus vis\u0101 pasaul\u0113, turkl\u0101t \u013coti pla\u0161\u0101 val\u016btu spektr\u0101.  <\/p>\n<p>L\u012bdz\u012bgu pieeju ir v\u0113rts izmantot jebkur\u0101 biznes\u0101. Visnotur\u012bg\u0101kie uz\u0146\u0113mumi finans\u0113jumu piesaista no vair\u0101kiem avotiem, sadarbojas ar da\u017e\u0101diem pieg\u0101d\u0101t\u0101jiem, att\u012bsta vair\u0101kus eksporta tirgus un regul\u0101ri izv\u0113rt\u0113 koncentr\u0101cijas riskus. \u0160\u0101da pieeja mazina koncentr\u0101cijas risku un \u013cauj daudz elast\u012bg\u0101k rea\u0123\u0113t uz p\u0101rmai\u0146\u0101m.<\/p>\n<p>Sp\u0113c\u012bga kapit\u0101la priek\u0161roc\u012bbas <\/p>\n<p>Ekonomikas uzplaukuma periodos bie\u017ei ir v\u0113rojams, ka uz\u0146\u0113mumi koncentr\u0113jas uz strauju izaugsmi un \u012bstermi\u0146a finansi\u0101lo rezult\u0101tu maksimiz\u0113\u0161anu, kas bez integr\u0113tas risku p\u0101rvald\u012bbas sist\u0113mas ir visai riskants att\u012bst\u012bbas ce\u013c\u0161.  <\/p>\n<p>It \u012bpa\u0161i \u012bstermi\u0146a pe\u013c\u0146as maksimiz\u0113\u0161ana ne vienm\u0113r noz\u012bm\u0113 pareiz\u0101ko strat\u0113\u0123iju. Ja liel\u0101ka ienes\u012bguma v\u0101rd\u0101 uz\u0146\u0113mums uz\u0146emas p\u0101rm\u0113r\u012bgu riska ekspoz\u012bciju vai atsak\u0101s no dro\u0161\u012bbas rezerv\u0113m, tas var b\u016btiski mazin\u0101t t\u0101 notur\u012bbu br\u012bd\u012b, kad tirgus apst\u0101k\u013ci pasliktin\u0101s. Ilgtermi\u0146\u0101 daudz v\u0113rt\u012bg\u0101ka ir l\u012bdzsvarota pieeja starp izaugsmi, rentabilit\u0101ti un risku p\u0101rvald\u012bbu.<\/p>\n<p>Svar\u012bga priek\u0161roc\u012bba ir sp\u0113c\u012bga kapit\u0101la b\u0101ze. Ilgtermi\u0146a pieredze r\u0101da, ka uz\u0146\u0113mumi ar pietiekamu kapit\u0101la rezervi kr\u012bzes situ\u0101cij\u0101s daudz ret\u0101k ir spiesti atteikties no att\u012bst\u012bbas pl\u0101niem.<br \/>Bet kas tad ir sp\u0113c\u012bga kapit\u0101la b\u0101ze? Es teiktu, ka praks\u0113 uz\u0146\u0113mumam b\u016btu j\u0101sp\u0113j atbild\u0113t uz vienk\u0101r\u0161u jaut\u0101jumu \u2013 vai eso\u0161\u0101 kapit\u0101la b\u0101ze \u013cautu absorb\u0113t b\u016btisku, bet re\u0101listisku negat\u012bvu scen\u0101riju, piem\u0113ram, strauju ie\u0146\u0113mumu kritumu vai neparedz\u0113tus zaud\u0113jumus, vienlaikus saglab\u0101jot sp\u0113ju turpin\u0101t darb\u012bbu un \u012bstenot ilgtermi\u0146a att\u012bst\u012bbas pl\u0101nus? Ja atbilde ir negat\u012bva, tas ir sign\u0101ls, ka ir nepiecie\u0161ama liel\u0101ka kapit\u0101la rezerve.<\/p>\n<p>Piem\u0113ram, m\u016bsu bankai ir sp\u0113c\u012bga kapit\u0101la b\u0101ze, kas \u013cauj ne tikai finans\u0113t projektus desmitu miljonu eiro apjom\u0101, bet ar\u012b saglab\u0101t augstu finan\u0161u stabilit\u0101ti main\u012bgos \u0101r\u0113jos apst\u0101k\u013cos. T\u0101 \u013cauj turpin\u0101t atbalst\u012bt un finans\u0113t m\u016bsu klientus ar\u012b ekonomikas lejupsl\u012bdes periodos, kad tas ir kritiski svar\u012bgi.<\/p>\n<p>\u0160o principu var attiecin\u0101t uz jebkuru uz\u0146\u0113mumu. Dro\u0161\u012bbas rezerve nav neefekt\u012bvi izmantoti l\u012bdzek\u013ci \u2013 t\u0101 ir iesp\u0113ja saglab\u0101t elast\u012bbu un r\u012bc\u012bbas br\u012bv\u012bbu br\u012bd\u012b, kad tirgus apst\u0101k\u013ci main\u0101s.<\/p>\n<p>Br\u012bvo l\u012bdzek\u013cu p\u0101rvald\u012bbas principi <\/p>\n<p>V\u0113l viens b\u016btisks jaut\u0101jums ir uz\u0146\u0113muma br\u012bvo finan\u0161u l\u012bdzek\u013cu p\u0101rvald\u012bba. \u0160iem l\u012bdzek\u013ciem ir j\u0101nodro\u0161ina ne tikai atdeve, bet ar\u012b pietiekama dro\u0161\u012bba un pieejam\u012bba uz\u0146\u0113muma darb\u012bbas nodro\u0161in\u0101\u0161anai. T\u0101p\u0113c galvenajam krit\u0113rijam nevajadz\u0113tu b\u016bt tikai maksim\u0101lai ienes\u012bbai, bet gan l\u012bdzsvarotai riska un ienes\u012bguma attiec\u012bbai.<\/p>\n<p>Labs risin\u0101jums, ko izmanto ar\u012b m\u016bsu bankas klienti, ir ieguld\u012bt uz\u0146\u0113muma br\u012bvos l\u012bdzek\u013cus augstas kvalit\u0101tes valsts un korporat\u012bvaj\u0101s oblig\u0101cij\u0101s, kas ir finan\u0161u instrumenti ar paredzamu dz\u0113\u0161anas termi\u0146u un atdevi. Izv\u0113loties oblig\u0101cijas, ir r\u016bp\u012bgi j\u0101izv\u0113rt\u0113 to likvidit\u0101te un riska l\u012bmenis, jo vienm\u0113r ir objekt\u012bvs iemesls tam, k\u0101p\u0113c vien\u0101m oblig\u0101cij\u0101m ir vair\u0101k nek\u0101 10% kupona likme, bet cit\u0101m \u2013 tikai 2% vai 3%. <\/p>\n<p>Pareizi izv\u0113l\u0113to v\u0113rtspap\u012bru portfelis \u013cauj uz\u0146\u0113mumam efekt\u012bvi izmantot savus br\u012bvos l\u012bdzek\u013cus, nodro\u0161inot paredzamu un stabilu papildu ien\u0101kumu avotu. <\/p>\n<p>Bet atkal tas nenoz\u012bm\u0113, ka pareiz\u0101 izv\u0113le b\u016btu visus br\u012bvos l\u012bdzek\u013cus ieguld\u012bt finan\u0161u tirgus instrumentos. Nav ar\u012b vienas univers\u0101las proporcijas starp da\u017e\u0101diem likvidit\u0101tes p\u0101rvald\u012bbas risin\u0101jumiem. Optim\u0101lais risin\u0101jums ir atkar\u012bgs no komp\u0101nijas darb\u012bbas specifikas, naudas pl\u016bsmas prognoz\u0113m un n\u0101kotnes pl\u0101niem.<\/p>\n<p> Praktiski b\u016btu lietder\u012bgi da\u013cu l\u012bdzek\u013cu saglab\u0101t br\u012bvi pieejamus, bet da\u013cu, piem\u0113ram, izvietot ar\u012b termi\u0146noguld\u012bjumos. Un, ja uz\u0146\u0113mums izv\u0113las termi\u0146noguld\u012bjumu risin\u0101jumu, var\u0113tu apsv\u0113rt l\u012bdzek\u013cu sadal\u012b\u0161anu vair\u0101kos noguld\u012bjumos ar da\u017e\u0101diem termi\u0146iem, nevis visu summu izvietot vien\u0101 dar\u012bjum\u0101. \u0160\u0101da pieeja nodro\u0161ina liel\u0101ku elast\u012bbu gad\u012bjum\u0101, ja rodas nepiecie\u0161am\u012bba da\u013cu l\u012bdzek\u013cu iz\u0146emt \u0101tr\u0101k, bez nepiecie\u0161am\u012bbas lauzt visu noguld\u012bjuma l\u012bgumu.<\/p>\n<p>Ir j\u0101r\u0113\u0137in\u0101s ar neparedzamo <\/p>\n<p>Finansistiem ir teiciens par to, ka katra jauna kr\u012bze nel\u012bdzin\u0101s iepriek\u0161\u0113jai. Tiesa gan, daudz\u0101m kr\u012bz\u0113m ir atsevi\u0161\u0137as l\u012bdz\u012bgas paz\u012bmes, bet pasaule regul\u0101ri piedz\u012bvo ar\u012b iepriek\u0161 neparedz\u0113tos notikumus, k\u0101 tas bija, piem\u0113ram, ar Covid-19 pand\u0113miju.   <\/p>\n<p>Turkl\u0101t m\u016bsdienu uz\u0146\u0113m\u0113jdarb\u012bbas vide k\u013c\u016bst arvien dinamisk\u0101ka, p\u0101rmai\u0146as ir straujas un ir j\u0101r\u0113\u0137in\u0101s ar to, ka nenoteikt\u012bba, visticam\u0101k, ar\u012b turpm\u0101k b\u016bs viena no t\u0101s rakstur\u012bg\u0101kaj\u0101m iez\u012bm\u0113m.<br \/>N\u0101kotni paredz\u0113t nav iesp\u0113jams, bet ir iesp\u0113jams izveidot uz\u0146\u0113mumu, kas ir gatavs da\u017e\u0101diem att\u012bst\u012bbas scen\u0101rijiem. Tie\u0161i t\u0101d\u0113\u013c biznesa notur\u012bba, risku p\u0101rvald\u012bba, procesu nep\u0101rtraukt\u012bba, diversifik\u0101cija un p\u0101rdom\u0101ta finan\u0161u partneru izv\u0113le ir b\u016btiska ilgtermi\u0146a pan\u0101kumu b\u0101ze, kas nodro\u0161ina izaugsmi un notur\u012bbu main\u012bgajos \u0101r\u0113jos apst\u0101k\u013cos.<\/p>\n<p>T\u0113mas<\/p>\n","protected":false},"excerpt":{"rendered":"Dmitrijs Krilovskis Dmitrijs Krilovskis Pievieno LA.LV Seko WhatsApp 14:04, 7. septembris 2026 Dmitrijs Krilovskis, Rietumu Bankas viceprezidents, Resursu&hellip;\n","protected":false},"author":2,"featured_media":289012,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[16],"tags":[77,76,35,39,38,36,37,34,40],"class_list":["post-289011","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bizness","tag-bizness","tag-business","tag-latvia","tag-latvian","tag-latviesu","tag-latviesu-valoda","tag-latviesuvaloda","tag-latvija","tag-lv"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@lv\/117237532198794935","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/289011","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/comments?post=289011"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/posts\/289011\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media\/289012"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/media?parent=289011"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/categories?post=289011"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/lv\/wp-json\/wp\/v2\/tags?post=289011"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}