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Entscheidend sind die Kosten der Finanzierung, die verfügbare Liquidität, die Bedeutung des Lieferanten und die Frage, ob eine frühe Zahlung die operative Stabilität gefährdet.",[273],{"type":254,"attrs":274},{"color":256},{"type":276,"attrs":277},"blok",{"id":278,"body":279},"3d01b3e3-005b-4ebc-a17c-d7785fd9638a",[280],{"_uid":281,"text":282,"color":283,"title":284,"backCtas":285,"backMedia":286,"component":287},"i-a816465c-bec0-4161-937a-2ed44c5d7bcb","- Skonto ist wirtschaftlich sinnvoll, wenn der annualisierte Vorteil über den Finanzierungskosten oder der besten alternativen Verwendung der Liquidität liegt.\n- Bei „zwei Prozent innerhalb von zehn Tagen, 30 Tage netto“ entspricht der Verzicht auf Skonto einer kurzfristigen Finanzierung mit rund 36,7 Prozent Jahreszins.\n- Längere Zahlungsziele verbessern den Cashflow, solange das Unternehmen die vereinbarten Fälligkeiten einhält.\n- Verhandeln Sie Zahlungsziele nach Einkaufsvolumen, strategischer Bedeutung und finanzieller Belastbarkeit der Lieferant:innen.\n- Vereinbarungen über mehr als 60 Tage müssen zwischen Unternehmen ausdrücklich getroffen werden und dürfen für die Gläubigerseite nicht grob unbillig sein.\n- Ein längeres Zahlungsziel ersetzt keine Liquiditätsplanung. 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Andernfalls wird der vollständige Rechnungsbetrag nach 30 Tagen fällig.",[305],{"type":254,"attrs":306},{"color":256},{"type":195,"attrs":308,"content":310},{"textAlign":26,"key":309},"p-4",[311],{"text":312,"type":201,"marks":313},"Wer das Skonto nicht nutzt, erhält dadurch 20 zusätzliche Finanzierungstage. Diese Finanzierung kommt wirtschaftlich einem kurzfristigen Lieferant:innenkredit gleich.",[314],{"type":254,"attrs":315},{"color":256},{"type":195,"attrs":317,"content":319},{"textAlign":26,"key":318},"p-5",[320],{"text":321,"type":201,"marks":322},"Der effektive Jahreszins dieses Kredits lässt sich näherungsweise berechnen, indem der Skontosatz durch den um den Skontosatz reduzierten Rechnungsbetrag geteilt und anschließend auf ein Jahr hochgerechnet wird.",[323],{"type":254,"attrs":324},{"color":256},{"type":195,"attrs":326,"content":328},{"textAlign":26,"key":327},"p-6",[329],{"text":330,"type":201,"marks":331},"Für „zwei Prozent innerhalb von zehn Tagen, 30 Tage netto“ lautet die Rechnung:",[332],{"type":254,"attrs":333},{"color":256},{"type":276,"attrs":335},{"id":278,"body":336},[337],{"_uid":338,"text":339,"color":340,"title":52,"backCtas":341,"backMedia":342,"component":287},"i-6d234f6a-21c3-40d1-b756-3d505da63534","*Zwei geteilt durch 98, multipliziert mit 360 und geteilt durch 20 ergibt rund 36,7 Prozent pro Jahr.*","orange",[],[],{"type":195,"attrs":344,"content":346},{"textAlign":26,"key":345},"p-7",[347],{"text":348,"type":201,"marks":349},"Der Verzicht auf zwei Prozent Skonto entspricht in diesem Beispiel also einer sehr teuren kurzfristigen Finanzierung. Liegen die eigenen Finanzierungskosten deutlich darunter und ist ausreichend Liquidität vorhanden, ist die frühe Zahlung meist wirtschaftlich sinnvoll.",[350],{"type":254,"attrs":351},{"color":256},{"type":195,"attrs":353,"content":355},{"textAlign":26,"key":354},"p-8",[356,361,370,380],{"text":357,"type":201,"marks":358},"Eine ausführliche Erklärung zur",[359],{"type":254,"attrs":360},{"color":256},{"text":362,"type":201,"marks":363}," ",[364,368],{"type":365,"attrs":366},"link",{"href":367,"uuid":26,"anchor":26,"target":26,"linktype":183},"https://www.spendesk.com/de/blog/skonto-fruehzahlerrabatte/",{"type":254,"attrs":369},{"color":256},{"text":371,"type":201,"marks":372},"Berechnung von Skonto und Frühzahlerrabatten",[373,375,378],{"type":365,"attrs":374},{"href":367,"uuid":26,"anchor":26,"target":26,"linktype":183},{"type":254,"attrs":376},{"color":377},"#1155CC",{"type":379},"underline",{"text":381,"type":201,"marks":382}," finden Sie in unserem ergänzenden Beitrag.",[383],{"type":254,"attrs":384},{"color":256},{"type":289,"attrs":386,"content":387},{"level":291,"textAlign":26},[388],{"text":389,"type":201,"marks":390},"Beispiel: Wann sich Skonto trotz früher Zahlung lohnt",[391],{"type":254,"attrs":392},{"color":256},{"type":195,"attrs":394,"content":396},{"textAlign":26,"key":395},"p-9",[397],{"text":398,"type":201,"marks":399},"Ein Maschinenbauunternehmen erhält eine Stahlrechnung über 50.000 Euro. Der Lieferant bietet zwei Prozent Skonto bei Zahlung innerhalb von zehn Tagen, ansonsten ist der vollständige Betrag nach 30 Tagen fällig.",[400],{"type":254,"attrs":401},{"color":256},{"type":195,"attrs":403,"content":405},{"textAlign":26,"key":404},"p-10",[406],{"text":407,"type":201,"marks":408},"Bei Nutzung des Skontos zahlt das Unternehmen 49.000 Euro und spart 1.000 Euro. Die Zahlung erfolgt jedoch 20 Tage früher.",[409],{"type":254,"attrs":410},{"color":256},{"type":195,"attrs":412,"content":414},{"textAlign":26,"key":413},"p-11",[415],{"text":416,"type":201,"marks":417},"Das Finanzteam geht für dieses Beispiel von Finanzierungskosten von acht Prozent pro Jahr aus. Die Finanzierung der früheren Zahlung kostet bei einer vereinfachten Rechnung rund 218 Euro.",[418],{"type":254,"attrs":419},{"color":256},{"type":195,"attrs":421,"content":423},{"textAlign":26,"key":422},"p-12",[424],{"text":425,"type":201,"marks":426},"Dem stehen 1.000 Euro Skonto gegenüber. Der wirtschaftliche Vorteil der frühen Zahlung beträgt damit ungefähr 782 Euro.",[427],{"type":254,"attrs":428},{"color":256},{"type":195,"attrs":430,"content":432},{"textAlign":26,"key":431},"p-13",[433],{"text":434,"type":201,"marks":435},"In diesem Fall sollte das Unternehmen das Skonto nutzen, sofern die Zahlung nicht dazu führt, dass Mittel für Löhne, Steuern, Tilgungen oder andere kritische Verpflichtungen fehlen.",[436],{"type":254,"attrs":437},{"color":256},{"type":289,"attrs":439,"content":440},{"level":291,"textAlign":26},[441],{"text":442,"type":201,"marks":443},"Wann das volle Zahlungsziel sinnvoller ist",[444],{"type":254,"attrs":445},{"color":256},{"type":195,"attrs":447,"content":448},{"textAlign":26,"key":197},[449],{"text":450,"type":201,"marks":451},"Skonto ist nicht automatisch die beste Entscheidung. Ein längeres Zahlungsziel kann wirtschaftlich sinnvoller sein, wenn die Liquidität knapp ist oder die frühe Zahlung einen teuren Finanzierungsbedarf auslöst.",[452],{"type":254,"attrs":453},{"color":256},{"type":195,"attrs":455,"content":456},{"textAlign":26,"key":259},[457],{"text":458,"type":201,"marks":459},"Das gilt zum Beispiel, wenn das Unternehmen eine Kreditlinie vollständig ausgeschöpft hat, eine Zahlung für Löhne bevorsteht oder eine wichtige Tilgung fällig wird. Auch wenn die verfügbare Liquidität für einen operativen Engpass benötigt wird, kann der Wert des Geldes höher sein als der mögliche Skontovorteil.",[460],{"type":254,"attrs":461},{"color":256},{"type":195,"attrs":463,"content":464},{"textAlign":26,"key":268},[465],{"text":466,"type":201,"marks":467},"Die Entscheidungsregel lautet deshalb:",[468],{"type":254,"attrs":469},{"color":256},{"type":276,"attrs":471},{"id":278,"body":472},[473],{"_uid":474,"text":475,"color":340,"title":52,"backCtas":476,"backMedia":477,"component":287},"i-473b1894-ad72-4196-8d23-eb5f2245565a","*Nutzen Sie Skonto, wenn der annualisierte Skontovorteil über den Kosten der Finanzierung oder der besten alternativen Verwendung des Geldes liegt und ausreichend Liquidität vorhanden ist.*",[],[],{"type":195,"attrs":479,"content":480},{"textAlign":26,"key":300},[481],{"text":482,"type":201,"marks":483},"Verglichen werden sollten nicht nur der Zinssatz des Kontokorrents, sondern die tatsächlichen Grenzkosten der Liquidität. Dazu können Überziehungszinsen, zusätzliche Kreditkosten, entgangene Investitionsmöglichkeiten und die Bedeutung der Liquiditätsreserve gehören.",[484],{"type":254,"attrs":485},{"color":256},{"type":289,"attrs":487,"content":488},{"level":291,"textAlign":26},[489],{"text":490,"type":201,"marks":491},"Zahlungsziele verbessern den Cashflow",[492],{"type":254,"attrs":493},{"color":256},{"type":195,"attrs":495,"content":496},{"textAlign":26,"key":309},[497],{"text":498,"type":201,"marks":499},"Jeder zusätzliche Tag bis zur Fälligkeit einer Lieferant:innenrechnung hält Geld länger im Unternehmen. Die Wirkung lässt sich überschlägig berechnen. Das tägliche Einkaufsvolumen wird mit den zusätzlichen Tagen Zahlungsziel multipliziert.",[500],{"type":254,"attrs":501},{"color":256},{"type":195,"attrs":503,"content":504},{"textAlign":26,"key":318},[505],{"text":506,"type":201,"marks":507},"Ein Unternehmen mit einem jährlichen Einkaufsvolumen von sechs Millionen Euro kauft rechnerisch für etwa 16.438 Euro pro Tag ein. Verlängert sich das durchschnittliche Zahlungsziel von 30 auf 45 Tage, erhöht sich die durchschnittliche Lieferant:innenfinanzierung um ungefähr 246.600 Euro.",[508],{"type":254,"attrs":509},{"color":256},{"type":195,"attrs":511,"content":512},{"textAlign":26,"key":327},[513],{"text":514,"type":201,"marks":515},"Dabei handelt es sich nicht um einen einmaligen Umsatz oder einen zusätzlichen Gewinn. Es ist eine durchschnittliche Liquiditätsentlastung, die bestehen bleibt, solange das Einkaufsvolumen und die neuen Zahlungsziele stabil sind.",[516],{"type":254,"attrs":517},{"color":256},{"type":195,"attrs":519,"content":520},{"textAlign":26,"key":345},[521],{"text":522,"type":201,"marks":523},"Die Kennzahl DPO, also Days Payables Outstanding, misst, wie lange ein Unternehmen seine Lieferant:innenrechnungen durchschnittlich offen lässt. Steigt der DPO um 15 Tage, verkürzt sich der Cash Conversion Cycle rechnerisch ebenfalls um 15 Tage, wenn Lagerdauer und Forderungslaufzeit unverändert bleiben.",[524],{"type":254,"attrs":525},{"color":256},{"type":195,"attrs":527,"content":528},{"textAlign":26,"key":354},[529,534,541,549,554,561,569],{"text":530,"type":201,"marks":531},"Mehr zur Verbindung von Zahlungszielen, Forderungslaufzeit und Working Capital finden Sie im Beitrag zum",[532],{"type":254,"attrs":533},{"color":256},{"text":362,"type":201,"marks":535},[536,539],{"type":365,"attrs":537},{"href":538,"uuid":26,"anchor":26,"target":26,"linktype":183},"https://www.spendesk.com/de/blog/cashflow-berechnen/",{"type":254,"attrs":540},{"color":256},{"text":542,"type":201,"marks":543},"Cashflow im Unternehmen",[544,546,548],{"type":365,"attrs":545},{"href":538,"uuid":26,"anchor":26,"target":26,"linktype":183},{"type":254,"attrs":547},{"color":377},{"type":379},{"text":550,"type":201,"marks":551}," und in der Übersicht zur",[552],{"type":254,"attrs":553},{"color":256},{"text":362,"type":201,"marks":555},[556,559],{"type":365,"attrs":557},{"href":558,"uuid":26,"anchor":26,"target":26,"linktype":183},"https://www.spendesk.com/de/blog/liquiditaetsplan/",{"type":254,"attrs":560},{"color":256},{"text":562,"type":201,"marks":563},"Liquiditätsplanung",[564,566,568],{"type":365,"attrs":565},{"href":558,"uuid":26,"anchor":26,"target":26,"linktype":183},{"type":254,"attrs":567},{"color":377},{"type":379},{"text":570,"type":201,"marks":571},".",[572],{"type":254,"attrs":573},{"color":256},{"type":289,"attrs":575,"content":576},{"level":291,"textAlign":26},[577],{"text":578,"type":201,"marks":579},"Zahlungsziele mit Lieferanten verhandeln",[580],{"type":254,"attrs":581},{"color":256},{"type":195,"attrs":583,"content":584},{"textAlign":26,"key":395},[585],{"text":586,"type":201,"marks":587},"Längere Zahlungsziele lassen sich nicht bei allen Lieferant:innen gleich verhandeln. Entscheidend sind Einkaufsvolumen, strategische Bedeutung, Abhängigkeit und die finanzielle Belastbarkeit des Lieferunternehmens.",[588],{"type":254,"attrs":589},{"color":256},{"type":195,"attrs":591,"content":592},{"textAlign":26,"key":404},[593],{"text":594,"type":201,"marks":595},"Große Lieferant:innen mit standardisierten Produkten und mehreren Alternativen am Markt können gute Verhandlungspartner:innen für längere Zahlungsziele sein. Bei kleinen Spezialist:innen, von denen die Produktion stark abhängt, kann eine aggressive Forderung dagegen die Versorgungssicherheit gefährden.",[596],{"type":254,"attrs":597},{"color":256},{"type":599,"content":600},"table",[601,647,687,727,767],{"type":602,"content":603},"tableRow",[604,619,633],{"type":605,"attrs":606,"content":608},"tableCell",{"colspan":607,"rowspan":607,"colwidth":26,"backgroundColor":26},1,[609],{"type":195,"attrs":610,"content":611},{"textAlign":26,"key":413},[612],{"text":613,"type":201,"marks":614},"Lieferant:innensituation",[615,617],{"type":254,"attrs":616},{"color":256},{"type":618},"bold",{"type":605,"attrs":620,"content":623},{"colspan":607,"rowspan":607,"colwidth":621,"backgroundColor":26},[622],225,[624],{"type":195,"attrs":625,"content":626},{"textAlign":26,"key":422},[627],{"text":628,"type":201,"marks":629},"Sinnvolle 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Das Finanzteam sollte Einkaufsvolumen, Zahlungshistorie, tatsächliche Zahlungstage, bisher genutztes Skonto und die Bedeutung des Lieferanten kennen.",[817],{"type":254,"attrs":818},{"color":256},{"type":195,"attrs":820,"content":822},{"textAlign":26,"key":821},"p-28",[823],{"text":824,"type":201,"marks":825},"Auf dieser Grundlage kann der Einkauf ein konkretes Ziel und eine Untergrenze festlegen. Ein Unternehmen kann beispielsweise 45 Tage als Ziel und 40 Tage als akzeptable Untergrenze definieren.",[826],{"type":254,"attrs":827},{"color":256},{"type":195,"attrs":829,"content":831},{"textAlign":26,"key":830},"p-29",[832],{"text":833,"type":201,"marks":834},"Längere Zahlungsziele lassen sich leichter verhandeln, wenn das Unternehmen eine Gegenleistung anbietet. Dazu gehören eine feste Jahresmenge, längere Vertragslaufzeiten, verlässliche Absatzprognosen, strukturierte E-Rechnungen oder eine nachweislich pünktliche Zahlung.",[835],{"type":254,"attrs":836},{"color":256},{"type":195,"attrs":838,"content":840},{"textAlign":26,"key":839},"p-30",[841],{"text":842,"type":201,"marks":843},"Die beste Gelegenheit ist häufig die reguläre Vertragsverlängerung oder die jährliche Preisrunde. In einem akuten Liquiditätsengpass ist die Verhandlungsposition meist schwächer.",[844],{"type":254,"attrs":845},{"color":256},{"type":195,"attrs":847,"content":849},{"textAlign":26,"key":848},"p-31",[850],{"text":851,"type":201,"marks":852},"Vereinbarte Konditionen gehören in den Rahmenvertrag oder die Einkaufsbedingungen. Dabei sollte eindeutig geregelt sein, wann die Zahlungsfrist beginnt. Möglich sind Rechnungsdatum, Rechnungseingang, Lieferung, Abnahme oder Monatsende.",[853],{"type":254,"attrs":854},{"color":256},{"type":195,"attrs":856,"content":858},{"textAlign":26,"key":857},"p-32",[859,864,871,879,884,891,899],{"text":860,"type":201,"marks":861},"Weitere Informationen zur",[862],{"type":254,"attrs":863},{"color":256},{"text":362,"type":201,"marks":865},[866,869],{"type":365,"attrs":867},{"href":868,"uuid":26,"anchor":26,"target":26,"linktype":183},"https://www.spendesk.com/de/blog/zahlungsziel/",{"type":254,"attrs":870},{"color":256},{"text":872,"type":201,"marks":873},"Verhandlung von Zahlungszielen",[874,876,878],{"type":365,"attrs":875},{"href":868,"uuid":26,"anchor":26,"target":26,"linktype":183},{"type":254,"attrs":877},{"color":377},{"type":379},{"text":880,"type":201,"marks":881}," und zur",[882],{"type":254,"attrs":883},{"color":256},{"text":362,"type":201,"marks":885},[886,889],{"type":365,"attrs":887},{"href":888,"uuid":26,"anchor":26,"target":26,"linktype":183},"https://www.spendesk.com/de/blog/lieferantenbewertung/",{"type":254,"attrs":890},{"color":256},{"text":892,"type":201,"marks":893},"Bewertung von Lieferant:innen",[894,896,898],{"type":365,"attrs":895},{"href":888,"uuid":26,"anchor":26,"target":26,"linktype":183},{"type":254,"attrs":897},{"color":377},{"type":379},{"text":900,"type":201,"marks":901}," finden Sie in den entsprechenden Beiträgen.",[902],{"type":254,"attrs":903},{"color":256},{"type":289,"attrs":905,"content":906},{"level":291,"textAlign":26},[907],{"text":908,"type":201,"marks":909},"Rechtliche Grenzen bei langen Zahlungszielen",[910],{"type":254,"attrs":911},{"color":256},{"type":195,"attrs":913,"content":915},{"textAlign":26,"key":914},"p-33",[916,921,929,937],{"text":917,"type":201,"marks":918},"Nach",[919],{"type":254,"attrs":920},{"color":256},{"text":362,"type":201,"marks":922},[923,927],{"type":365,"attrs":924},{"href":925,"uuid":26,"anchor":26,"target":926,"linktype":183},"https://www.gesetze-im-internet.de/bgb/__271a.html","_blank",{"type":254,"attrs":928},{"color":256},{"text":930,"type":201,"marks":931},"Paragraph 271a BGB",[932,934,936],{"type":365,"attrs":933},{"href":925,"uuid":26,"anchor":26,"target":926,"linktype":183},{"type":254,"attrs":935},{"color":377},{"type":379},{"text":938,"type":201,"marks":939}," sind Zahlungsfristen von mehr als 60 Tagen zwischen Unternehmen nur wirksam, wenn sie ausdrücklich vereinbart wurden und für die Gläubigerseite nicht grob unbillig sind.",[940],{"type":254,"attrs":941},{"color":256},{"type":195,"attrs":943,"content":945},{"textAlign":26,"key":944},"p-34",[946],{"text":947,"type":201,"marks":948},"Die Vorschrift setzt keine allgemeine Standardfrist von 60 Tagen fest. Sie begrenzt vielmehr die Wirksamkeit besonders langer Zahlungsziele. Ob eine Vereinbarung unzulässig oder grob unbillig ist, hängt vom konkreten Vertrag und den Umständen des Geschäfts ab.",[949],{"type":254,"attrs":950},{"color":256},{"type":195,"attrs":952,"content":954},{"textAlign":26,"key":953},"p-35",[955],{"text":956,"type":201,"marks":957},"Für die Verhandlung bedeutet das: 45 oder 60 Tage können ein praktikabler Rahmen sein. Längere Fristen sollten rechtlich geprüft und ausdrücklich vereinbart werden.",[958],{"type":254,"attrs":959},{"color":256},{"type":195,"attrs":961,"content":963},{"textAlign":26,"key":962},"p-36",[964,969,976,984],{"text":965,"type":201,"marks":966},"Bei Zahlungsverzug können im B2B-Geschäft Verzugszinsen in Höhe von neun Prozentpunkten über dem Basiszinssatz anfallen. Zusätzlich kann grundsätzlich eine Pauschale von 40 Euro verlangt werden. Die gesetzlichen Grundlagen finden Sie in",[967],{"type":254,"attrs":968},{"color":256},{"text":362,"type":201,"marks":970},[971,974],{"type":365,"attrs":972},{"href":973,"uuid":26,"anchor":26,"target":926,"linktype":183},"https://www.gesetze-im-internet.de/bgb/__288.html",{"type":254,"attrs":975},{"color":256},{"text":977,"type":201,"marks":978},"Paragraph 288 BGB",[979,981,983],{"type":365,"attrs":980},{"href":973,"uuid":26,"anchor":26,"target":926,"linktype":183},{"type":254,"attrs":982},{"color":377},{"type":379},{"text":570,"type":201,"marks":985},[986],{"type":254,"attrs":987},{"color":256},{"type":195,"attrs":989,"content":991},{"textAlign":26,"key":990},"p-37",[992],{"text":993,"type":201,"marks":994},"Ein verhandeltes Zahlungsziel ist deshalb nicht dasselbe wie eine verspätete Zahlung. Wer über das vereinbarte Ziel hinaus wartet, riskiert zusätzliche Kosten und belastet die Lieferantenbeziehung.",[995],{"type":254,"attrs":996},{"color":256},{"type":195,"attrs":998,"content":1000},{"textAlign":26,"key":999},"p-38",[1001,1006,1013,1021],{"text":1002,"type":201,"marks":1003},"Die Europäische Union prüft außerdem eine mögliche Neuregelung des Zahlungsverzugs im Geschäftsverkehr. Der Gesetzgebungsprozess ist noch nicht abgeschlossen. Unternehmen sollten deshalb den aktuellen Stand im",[1004],{"type":254,"attrs":1005},{"color":256},{"text":362,"type":201,"marks":1007},[1008,1011],{"type":365,"attrs":1009},{"href":1010,"uuid":26,"anchor":26,"target":926,"linktype":183},"https://oeil.europarl.europa.eu/oeil/en/procedure-document-summary/pdf?id=1757221",{"type":254,"attrs":1012},{"color":256},{"text":1014,"type":201,"marks":1015},"Verfahren auf EUR-Lex",[1016,1018,1020],{"type":365,"attrs":1017},{"href":1010,"uuid":26,"anchor":26,"target":926,"linktype":183},{"type":254,"attrs":1019},{"color":377},{"type":379},{"text":1022,"type":201,"marks":1023}," prüfen und Verträge weiterhin nach der geltenden Rechtslage gestalten.",[1024],{"type":254,"attrs":1025},{"color":256},{"type":276,"attrs":1027},{"id":278,"body":1028},[1029],{"_uid":1030,"link":1031,"asset":1034,"caption":1041,"component":1042},"i-197e861e-2a95-4394-9710-6b260dfb0484",{"id":52,"url":52,"linktype":1032,"fieldtype":184,"cached_url":1033,"prep":42},"story","/de/",{"id":1035,"alt":1036,"name":52,"focus":52,"title":1037,"source":52,"filename":1038,"copyright":158,"fieldtype":180,"meta_data":1039,"is_external_url":29},238730081228656,"Zwei Personen vergleichen Rechnungsunterlagen und einen Cashflow-Zeitplan bei einem Gespräch über Zahlungsziele und Skonto.","Skonto oder Zahlungsziel im Lieferantengespräch","https://a.storyblok.com/f/146026/1536x1024/912976d7f2/skonto-zahlungsziele-inline-editorial-photo.png",{"alt":1036,"size":1040,"title":1037,"copyright":158},"1536x1024","Finanzteams wägen Skontovorteile und verfügbare Liquidität gemeinsam mit dem Einkauf ab.","image",{"type":289,"attrs":1044,"content":1045},{"level":291,"textAlign":26},[1046],{"text":1047,"type":201,"marks":1048},"Verhandelte Zahlungsziele im Alltag einhalten",[1049],{"type":254,"attrs":1050},{"color":256},{"type":195,"attrs":1052,"content":1054},{"textAlign":26,"key":1053},"p-39",[1055],{"text":1056,"type":201,"marks":1057},"Ein längeres Zahlungsziel verbessert den Cashflow nur dann, wenn das Unternehmen tatsächlich bis zum Fälligkeitstag wartet. Wer Rechnungen aus Vorsicht am Eingangstag bezahlt, verschenkt einen Teil der verhandelten Liquidität.",[1058],{"type":254,"attrs":1059},{"color":256},{"type":195,"attrs":1061,"content":1063},{"textAlign":26,"key":1062},"p-40",[1064],{"text":1065,"type":201,"marks":1066},"Umgekehrt beschädigt eine verspätete Zahlung das Vertrauen, auf dem die nächste Verhandlung aufbauen kann. Die finanzielle Wirkung entsteht deshalb nicht nur durch den Vertragsabschluss, sondern durch die tägliche Umsetzung im Rechnungsprozess.",[1067],{"type":254,"attrs":1068},{"color":256},{"type":195,"attrs":1070,"content":1072},{"textAlign":26,"key":1071},"p-41",[1073],{"text":1074,"type":201,"marks":1075},"Eine typische Ursache für zu frühe oder verspätete Zahlungen sind Freigaben, die tagelang in persönlichen Postfächern liegen. Das Finanzteam wird dadurch zum Engpass, obwohl die Rechnung möglicherweise bereits sachlich geprüft werden könnte.",[1076],{"type":254,"attrs":1077},{"color":256},{"type":195,"attrs":1079,"content":1081},{"textAlign":26,"key":1080},"p-42",[1082,1087,1094,1102],{"text":1083,"type":201,"marks":1084},"In einem zentralen Rechnungsworkflow lassen sich Fälligkeit, Skontofrist, Zuständigkeit und Zahlungsstatus gemeinsam verwalten.",[1085],{"type":254,"attrs":1086},{"color":256},{"text":362,"type":201,"marks":1088},[1089,1092],{"type":365,"attrs":1090},{"href":1091,"uuid":26,"anchor":26,"target":26,"linktype":183},"https://www.spendesk.com/de/product/accounts-payable/",{"type":254,"attrs":1093},{"color":256},{"text":1095,"type":201,"marks":1096},"Spendesk Kreditorenbuchhaltung",[1097,1099,1101],{"type":365,"attrs":1098},{"href":1091,"uuid":26,"anchor":26,"target":26,"linktype":183},{"type":254,"attrs":1100},{"color":377},{"type":379},{"text":1103,"type":201,"marks":1104}," unterstützt die zentrale Erfassung von Eingangsrechnungen, Freigaben und Zahlungsprozessen. Der konkrete Funktionsumfang hängt von Produkt, Konfiguration und Integration ab.",[1105],{"type":254,"attrs":1106},{"color":256},{"type":195,"attrs":1108,"content":1110},{"textAlign":26,"key":1109},"p-43",[1111],{"text":1112,"type":201,"marks":1113},"Die Software entscheidet nicht automatisch, ob ein Unternehmen Skonto nutzen sollte. Diese Entscheidung bleibt eine wirtschaftliche Abwägung. Sie kann jedoch dafür sorgen, dass Finanzteams alle notwendigen Informationen rechtzeitig sehen und eine Rechnung nicht wegen verspäteter Freigabe ungeplant in den Zahlungsverzug rutscht.",[1114],{"type":254,"attrs":1115},{"color":256},{"type":195,"attrs":1117,"content":1119},{"textAlign":26,"key":1118},"p-44",[1120],{"text":1121,"type":201,"marks":1122},"Für eine verlässliche Steuerung sollten Unternehmen pro Lieferant:in mindestens DPO, Skontonutzungsquote und Pünktlichkeitsquote beobachten. Zusätzlich sollte die Liquiditätsplanung mit den tatsächlichen Fälligkeitsterminen arbeiten und nicht nur mit durchschnittlichen Zahlungszielen.",[1123],{"type":254,"attrs":1124},{"color":256},{"type":195,"attrs":1126,"content":1128},{"textAlign":26,"key":1127},"p-45",[1129,1134,1141,1149],{"text":1130,"type":201,"marks":1131},"Den operativen Prozess von der Freigabe bis zur Zahlung beschreibt der Beitrag zum",[1132],{"type":254,"attrs":1133},{"color":256},{"text":362,"type":201,"marks":1135},[1136,1139],{"type":365,"attrs":1137},{"href":1138,"uuid":26,"anchor":26,"target":26,"linktype":183},"https://www.spendesk.com/de/blog/zahllauf-lieferantenzahlungen/",{"type":254,"attrs":1140},{"color":256},{"text":1142,"type":201,"marks":1143},"Zahllauf für Lieferantenzahlungen",[1144,1146,1148],{"type":365,"attrs":1145},{"href":1138,"uuid":26,"anchor":26,"target":26,"linktype":183},{"type":254,"attrs":1147},{"color":377},{"type":379},{"text":570,"type":201,"marks":1150},[1151],{"type":254,"attrs":1152},{"color":256},{"type":289,"attrs":1154,"content":1155},{"level":291,"textAlign":26},[1156],{"text":1157,"type":201,"marks":1158},"Welche Kennzahlen sollten Finanzteams beobachten?",[1159],{"type":254,"attrs":1160},{"color":256},{"type":195,"attrs":1162,"content":1164},{"textAlign":26,"key":1163},"p-46",[1165],{"text":1166,"type":201,"marks":1167},"Der DPO zeigt, wie lange Rechnungen durchschnittlich offen bleiben. Er sollte jedoch nicht isoliert betrachtet werden. Ein sehr hoher DPO kann zwar Liquidität schonen, gleichzeitig aber Lieferantenbeziehungen belasten oder zu schlechteren Preisen führen.",[1168],{"type":254,"attrs":1169},{"color":256},{"type":195,"attrs":1171,"content":1173},{"textAlign":26,"key":1172},"p-47",[1174],{"text":1175,"type":201,"marks":1176},"Die Skontonutzungsquote zeigt, wie häufig angebotene Frühzahlerrabatte tatsächlich genutzt werden. Eine niedrige Quote kann auf knappe Liquidität, zu langsame Freigaben oder fehlende Transparenz über Skontofristen hinweisen.",[1177],{"type":254,"attrs":1178},{"color":256},{"type":195,"attrs":1180,"content":1182},{"textAlign":26,"key":1181},"p-48",[1183],{"text":1184,"type":201,"marks":1185},"Die Pünktlichkeitsquote zeigt, ob das Unternehmen vereinbarte Zahlungsziele einhält. Sie sollte gemeinsam mit dem Anteil verspäteter Zahlungen und den angefallenen Verzugszinsen betrachtet werden.",[1186],{"type":254,"attrs":1187},{"color":256},{"type":195,"attrs":1189,"content":1191},{"textAlign":26,"key":1190},"p-49",[1192],{"text":1193,"type":201,"marks":1194},"Eine sinnvolle Auswertung verbindet diese Kennzahlen mit Einkaufsvolumen und Lieferantenkritikalität. 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Skonto ist ein Preisnachlass für eine frühere Zahlung innerhalb einer kürzeren Frist.",[1293],{"type":254,"attrs":1294},{"color":256},{"_uid":1296,"hide":29,"title":1297,"component":1283,"description":1298},"ca2c2128-7502-4d4a-a69c-70905d39ec87","Wann sollte ein Unternehmen Skonto nutzen?",{"type":192,"attrs":1299,"content":1300},{"backgroundColor":26},[1301],{"type":195,"attrs":1302,"content":1303},{"textAlign":26,"key":197},[1304],{"text":1305,"type":201,"marks":1306},"Skonto sollte genutzt werden, wenn ausreichend Liquidität vorhanden ist und der annualisierte Skontovorteil über den Kosten der Finanzierung oder der besten alternativen Verwendung des Geldes liegt.",[1307],{"type":254,"attrs":1308},{"color":256},{"_uid":1310,"hide":29,"title":1311,"component":1283,"description":1312},"b31b54ca-7cb5-49e3-bab1-16d32c47b62f","Wie wird der effektive Skontozins berechnet?",{"type":192,"attrs":1313,"content":1314},{"backgroundColor":26},[1315],{"type":195,"attrs":1316,"content":1317},{"textAlign":26,"key":197},[1318],{"text":1319,"type":201,"marks":1320},"Der Skontosatz wird durch den um den Skontosatz reduzierten Rechnungsbetrag geteilt. Das Ergebnis wird anschließend mit 360 multipliziert und durch die zusätzlichen Finanzierungstage geteilt.",[1321],{"type":254,"attrs":1322},{"color":256},{"_uid":1324,"hide":29,"title":1325,"component":1283,"description":1326},"39e89f22-6f11-469a-8437-85197ae49d9f","Was bedeutet „30 Tage netto“?",{"type":192,"attrs":1327,"content":1328},{"backgroundColor":26},[1329],{"type":195,"attrs":1330,"content":1331},{"textAlign":26,"key":197},[1332],{"text":1333,"type":201,"marks":1334},"„30 Tage netto“ bedeutet, dass der vollständige Rechnungsbetrag innerhalb der vereinbarten Frist bezahlt werden muss. Der Beginn der Frist richtet sich nach dem Vertrag. Er kann beispielsweise beim Rechnungsdatum, Rechnungseingang, Lieferdatum oder Monatsende liegen.",[1335],{"type":254,"attrs":1336},{"color":256},{"_uid":1338,"hide":29,"title":1339,"component":1283,"description":1340},"93875f99-683c-4e9c-a9bd-3d1d4dfd2656","Sind Zahlungsziele von mehr als 60 Tagen erlaubt?",{"type":192,"attrs":1341,"content":1342},{"backgroundColor":26},[1343],{"type":195,"attrs":1344,"content":1345},{"textAlign":26,"key":197},[1346],{"text":1347,"type":201,"marks":1348},"Zwischen Unternehmen können längere Zahlungsziele ausdrücklich vereinbart werden. Nach Paragraph 271a BGB müssen sie jedoch ausdrücklich getroffen werden und dürfen für die Gläubigerseite nicht grob unbillig sein.",[1349],{"type":254,"attrs":1350},{"color":256},{"_uid":1352,"hide":29,"title":1353,"component":1283,"description":1354},"7be2ebd6-9001-4db7-a4bc-44dadcfcb4bf","Wie kann Software bei Zahlungszielen unterstützen?",{"type":192,"attrs":1355,"content":1356},{"backgroundColor":26},[1357],{"type":195,"attrs":1358,"content":1359},{"textAlign":26,"key":197},[1360],{"text":1361,"type":201,"marks":1362},"Software kann Rechnungen zentral erfassen, Fälligkeiten und Skontofristen anzeigen, Freigaben weiterleiten und Zahlungen vorbereiten. Die wirtschaftliche Entscheidung zwischen Skonto und später Zahlung bleibt beim Finanzteam.",[1363],{"type":254,"attrs":1364},{"color":256},[1366],{"cta":1367,"_uid":1368,"title":1369,"layout":52,"eyebrow":1377,"subtitle":1380,"component":289,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":1383,"sectionSettings":1384,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"a962454c-e01f-4771-abc4-b05a8bc03dfa",{"type":192,"attrs":1370,"content":1371},{"backgroundColor":26},[1372],{"type":289,"attrs":1373,"content":1374},{"level":291,"textAlign":26},[1375],{"text":1376,"type":201},"Häufige Fragen zu Skonto und 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Anschließend werden Maßnahmen abgeleitet und die Vorhersage angepasst.",[3656],{"type":254,"attrs":3657},{"color":256},{"_uid":3659,"hide":29,"title":3660,"component":1283,"description":3661},"379235d4-0f53-4e3e-a1e5-ad1bda16a075","Was ist der Unterschied zwischen einem Soll-Ist-Vergleich und einer Abweichungsanalyse?",{"type":192,"attrs":3662,"content":3663},{"backgroundColor":26},[3664],{"type":195,"attrs":3665,"content":3666},{"textAlign":26},[3667],{"text":3668,"type":201,"marks":3669},"Der Soll-Ist-Vergleich weist nur die Differenz zwischen Plan und Ist aus. 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Diese Grenze sollte jedoch immer mit einem absoluten Euro-Betrag kombiniert und an Kostenart, Risiko sowie Liquiditäts- und Ergebnisrelevanz angepasst werden.",[3712],{"type":254,"attrs":3713},{"color":256},{"_uid":3715,"hide":29,"title":3716,"component":1283,"description":3717},"832200d4-9d14-4321-99c6-c2cc2ebbdb89","Wie oft sollte eine Budgetabweichungsanalyse durchgeführt werden?",{"type":192,"attrs":3718,"content":3719},{"backgroundColor":26},[3720],{"type":195,"attrs":3721,"content":3722},{"textAlign":26},[3723],{"text":3724,"type":201,"marks":3725},"Ein kurzer Review sollte monatlich stattfinden. Ein ausführlicherer Review mit Trend- und Vorhersage-Analyse ist quartalsweise sinnvoll. Liquiditätskritische Positionen sollten häufiger überprüft werden.",[3726],{"type":254,"attrs":3727},{"color":256},{"_uid":3729,"hide":29,"title":3730,"component":1283,"description":3731},"61aee97d-d57e-4b2f-9a2f-8460cbecec5f","Welche Rolle spielen Echtzeitdaten?",{"type":192,"attrs":3732,"content":3733},{"backgroundColor":26},[3734],{"type":195,"attrs":3735,"content":3736},{"textAlign":26},[3737],{"text":3738,"type":201,"marks":3739},"Aktuelle Daten zeigen Budgetverbrauch, Freigaben und Ausgaben früher. Sie helfen, Abweichungen vor dem Monatsabschluss zu erkennen. Vollständigkeit und Aktualität hängen jedoch von Datenquellen, Belegen und der jeweiligen Systemkonfiguration ab.",[3740],{"type":254,"attrs":3741},{"color":256},[3743],{"cta":3744,"_uid":3745,"title":3746,"eyebrow":3756,"subtitle":3759,"component":289,"textAlign":52,"eyebrowPill":29,"checkmarkList":29,"flexibleSection":3762,"sectionSettings":3763,"displaySeparator":29,"breakLineOnMobile":29,"subtitleLeftBorder":29,"customTitleFontSize":52},[],"d0a47f76-7924-4971-96b7-788811d6f264",{"type":192,"attrs":3747,"content":3748},{"backgroundColor":26},[3749],{"type":289,"attrs":3750,"content":3751},{"level":291,"textAlign":26},[3752],{"text":3646,"type":201,"marks":3753},[3754],{"type":254,"attrs":3755},{"color":256},{"type":192,"content":3757},[3758],{"type":195},{"type":192,"content":3760},[3761],{"type":195},[],[],[],"budgetabweichungsanalyse-schwellenwerte","de/blog/budgetabweichungsanalyse-schwellenwerte",-3400,[],"6ae1209a-a05f-4d40-b01d-eb520df95491","2026-09-11T12:33:24.456Z",[],"blog/budgetabweichungsanalyse-schwellenwerte",[3774,3775,3776],{"path":3772,"name":26,"lang":38,"published":26},{"path":3772,"name":26,"lang":33,"published":26},{"path":3772,"name":26,"lang":41,"published":26},1793980906900]