Santrauka. Kredito rizikos valdymas nefinansinio verslo įmonėse Lietuvoje yra nauja ir menkai tyrinėta tema, ją nagrinėjančių mokslinių ir analitinių straipsnių yra nedaug. Daugiausia dėmesio, kalbant apie kredito riziką, tenka bankams, o nefinansinio verslo įmonės paliekamos nuošaly. Šių įmonių kredito rizikos analizė reikšmingai papildytų ir praturtintų kredito rizikos valdymo teoriją ir praktiką, kurios šiuo metu daugiausia sukoncentruotos į bankinės rizikos valdymą. Efektyvesnis kredito rizikos valdymas leistų sumažinti dėl pirkėjų nemokumo atsirandančius finansinius nuostolius, o kartu ir įmonės bankroto tikimybę. Straipsnyje tyrinėjamos kredito rizikos valdymo nefinansinio verslo įmonėse problemos ir galimi būdai šią riziką mažinti. Tyrimo tikslas -nustatyti kredito riziką didinančius ir mažinančius veiksnius, riziką mažinančias priemones, įvertinti jų efektyvumą; uždaviniai: apibrėžti nefinansinio verslo įmonių kredito rizikos ir jos valdymo problematiką; atlikti kredito rizikos valdymo problemų tyrimą; remiantis gautais rezultatais identifikuoti mažesnei rizikos grupei priskiriamas įmones, kurios galėtų būti pavyzdžiu kitoms; pateikti rekomendacijų, kaip užtikrinti veiksmingesnį rizikos valdymą; tyrimo objektas -Lietuvos statybinių medžiagų prekybos įmonės. Straipsnyje suformuluotos išvados ir pasiūlymai galėtų būti naudingi ir panašią veiklą plėtojančioms įmonėms.Reikšminiai žodžiai: tiekėjo kreditas, kredito rizika, atsiskaitymų vėlavimai, mokėjimo atidėjimo terminas, nuostolis. Abstract. The paper analyses credit risk management problems in non-financial companies and possible methods for reducing the risk. The research aims at determining the factors influencing the credit risk, establishes the measures reducing the risk and evaluates their effectiveness. A supplier credit is the principal short-term financing source of small and medium-size companies given the insufficient credibility and collaterals of these companies in order to obtain a credit in financial markets. Meanwhile, supplier credit means that suppliers not only finance their customers providing them with cheap resources, but also assume all the credit risk related to financing. In order to find out the ways companies assess this risk, what measures they use to manage it and the effectiveness of these measures, we carried out a research on credit risk management in building materials trading companies in Lithuania. In the course of the research, two major problems the companies confront with were identified, namely the delay of payments and losses related to so-called "bad debts". Delays PROBLEMS OF CREDIT RISK MANAGEMENT IN COMPANIES AND MEANS OF THEIR SOLUTION Meilė Jasienė¹, Antanas Laurinavičius²

The way housing affordability/wages/unemployment influenced internal migration of the population in Lithuania within the period of 2005−2019 is being analyzed in the article. Correlation-regression analysis is used to determine the relationships between the analyzed social phenomena. First, the correlation between housing affordability/wages/unemployment (their changes) and internal migration indicators is calculated, and the impact of data delays is assessed. Later simple and multiple regression equations are constructed. The conditions under which and how strongly housing affordability/wages/unemployment can influence population migration decisions have been identified in the analysis. Higher affordability of housing/wages is positively related to the number of people who moved to a certain Lithuanian city from other places in Lithuania per year. On the contrary, negative dependence of the number of people who moved to a certain city from other places in Lithuania on the unemployment rate in the city where those people moved in have been recorded. Both, affordability of housing and the unemployment rate explain actually 73−88 percent of variable dispersion of the internal migration in Vilnius, Kaunas and Klaipėda.

The society in our country has been struck by the emigration crisis of an unprecedented scope in Europe since World War II. Lithuania also stands out among the EU member states as a state with a particularly low level of trust, whereas the primary institutions of a democratic civil society, i.e. the Government, political parties, and the Parliament, are all at the bottom in the list of institutions ranked according to the level of trust. Although the growth of the average income and assets of the population was truly impressive over the past 20 years, this did not stop emigration neither slowed it down. This means that merely higher income is not enough for people; in fact, happiness is mostly correlated to equality of income (relative wealth) rather than to increase of income (absolute wealth). In the framework mentioned above the article provides a comprehensive analysis of the causes of emigration and suggests effective strategic decisions to stop the emigration using strategic thinking and strategic synthesis methods.

The way macroeconomic variables such as unemployment/GDP per capita/inflation/wages/internal migration influenced housing prices (nominal house prices and housing rent prices) in Vilnius in 2006–2019 has been investigated in the research. Conditions under which different macroeconomic variables could influence housing prices were established in the research. Lower unemployment, higher GDP per capita and inflation rate were all related to higher nominal house prices in Vilnius. Higher GDP per capita, wages and internal migration were positively related to housing rent prices in Vilnius. Analyzed macroeconomic variables all together explained 88 percent of variance of nominal house prices in Vilnius over the period of 2006–2019 and 80 percent of variance of housing rent prices in Vilnius over the same period.

abstract. The article gives an overview of universal basic income as one of the instruments of the asset-based policy, analyses its theoretical concept and practical examples. Latest trends in Europe, especially in Finland and Switzerland, are overviewed and possibilities to implement such an instrument in Lithuania are evaluated. Research methods of scientific literature analysis, comparative and logical analysis of statistical data, data grouping and presentation were used. Article finds out that the concept of basic income is being implemented on a small scale in the US state of Alaska and in a small autonomous territory of China -Macao. Finland and Switzerland are determined to fully implement the concept of basic income by providing monthly benefits to all their citizens. Although Lithuania is categorized as a country with high income inequality and high level of poverty risk, currently it is not possible to implement the concept of basic income in Lithuania: the state social insurance fund budget would not be able to fund sufficient benefits, and the benefits that could be provided by the budget would not comply with the objectives of the concept of basic income.