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Alle per E-Mail eingereicht, keine vom Einkauf freigegeben. Das ist kein Einzelfall, sondern das Ergebnis eines Prozesses, bei dem BANF, Genehmigung, Bestellung und Zahlung in getrennten Systemen laufen.",[178],{"type":179,"attrs":180},"textStyle",{"color":181},"#111418",{"type":121,"attrs":183,"content":185},{"textAlign":25,"key":184},"p-1",[186],{"text":187,"type":127,"marks":188},"Dabei ist das Problem lösbar. Dieser Artikel erklärt, was eine BANF ist, wie der vollständige Procure-to-Pay-Prozess funktioniert und wie Sie jeden Schritt von der Bestellanforderung bis zur Zahlung in einem durchgängigen Workflow verbinden.",[189],{"type":179,"attrs":190},{"color":181},{"type":192,"attrs":193,"content":195},"heading",{"level":194,"textAlign":25},2,[196],{"text":197,"type":127,"marks":198},"Wie ein Beschaffungsprozess startet",[199],{"type":179,"attrs":200},{"color":201},"#434343",{"type":121,"attrs":203,"content":205},{"textAlign":25,"key":204},"p-2",[206,211,223],{"text":207,"type":127,"marks":208},"Eine BANF (",[209],{"type":179,"attrs":210},{"color":181},{"text":212,"type":127,"marks":213},"Bestellanforderung",[214,218,221],{"type":215,"attrs":216},"link",{"href":217,"uuid":25,"anchor":25,"target":25,"linktype":109},"https://www.spendesk.com/de/blog/beschaffungsprozess/",{"type":179,"attrs":219},{"color":220},"#1C91FF",{"type":222},"underline",{"text":224,"type":127,"marks":225},", auch Bedarfsanforderung genannt) ist der interne Antrag einer Fachabteilung an den Einkauf, bestimmte Waren oder Dienstleistungen zu beschaffen. Sie ist nicht die Bestellung selbst, sondern der dokumentierte Auslöser dafür. Ohne BANF fehlt dem Einkauf die formale Grundlage, eine Bestellung beim Lieferanten auszulösen.",[226],{"type":179,"attrs":227},{"color":181},{"type":121,"attrs":229,"content":231},{"textAlign":25,"key":230},"p-3",[232],{"text":233,"type":127,"marks":234},"Jede BANF enthält sechs Pflichtfelder: Artikelbezeichnung, Menge, gewünschter Liefertermin, Kostenstelle, geschätzter Preis und Begründung. Diese Struktur stellt sicher, dass der Einkauf die Anforderung prüfen, priorisieren und budgetieren kann, bevor eine Bestellung ausgelöst wird.",[235],{"type":179,"attrs":236},{"color":181},{"type":121,"attrs":238,"content":240},{"textAlign":25,"key":239},"p-4",[241],{"text":242,"type":127,"marks":243},"Grundsätzlich gibt es zwei Typen: Die direkte BANF erstellt eine Mitarbeiterin oder ein Mitarbeiter manuell. Die indirekte BANF löst das System automatisch aus, etwa wenn ein Lagerbestand unter den definierten Mindestbestand fällt. In ERP-Systemen wie SAP ist die BANF ein zentraler Transaktionstyp; Unternehmen ohne SAP arbeiten häufig mit Excel-Formularen oder E-Mail-Vorlagen.",[244],{"type":179,"attrs":245},{"color":181},{"type":121,"attrs":247,"content":249},{"textAlign":25,"key":248},"p-5",[250],{"text":251,"type":127,"marks":252},"Konkret bedeutet das: Eine Marketing-Leiterin benötigt 15 Laptops für das Onboarding neuer Teammitglieder. 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Jeder Schritt baut auf dem vorherigen auf. Wenn nur einer fehlt, entstehen Lücken in Dokumentation, Budget und Compliance.",[284],{"type":179,"attrs":285},{"color":181},{"type":287,"attrs":288,"content":291},"ordered_list",{"order":289,"key":290},1,"ol-0",[292,310,326,342,372,388,415],{"type":293,"content":294},"list_item",[295],{"type":121,"attrs":296,"content":297},{"textAlign":25,"key":184},[298,305],{"text":299,"type":127,"marks":300},"Bedarf erkennen",[301,303],{"type":179,"attrs":302},{"color":181},{"type":304},"bold",{"text":306,"type":127,"marks":307},": Eine Fachabteilung identifiziert einen konkreten Beschaffungsbedarf für Material, Dienstleistungen oder Software.",[308],{"type":179,"attrs":309},{"color":181},{"type":293,"content":311},[312],{"type":121,"attrs":313,"content":314},{"textAlign":25,"key":204},[315,321],{"text":316,"type":127,"marks":317},"BANF erstellen",[318,320],{"type":179,"attrs":319},{"color":181},{"type":304},{"text":322,"type":127,"marks":323},": Die Abteilung formuliert eine formale Bestellanforderung mit Spezifikationen, Menge, Kostenstelle und geschätztem Preis.",[324],{"type":179,"attrs":325},{"color":181},{"type":293,"content":327},[328],{"type":121,"attrs":329,"content":330},{"textAlign":25,"key":230},[331,337],{"text":332,"type":127,"marks":333},"Genehmigung einholen",[334,336],{"type":179,"attrs":335},{"color":181},{"type":304},{"text":338,"type":127,"marks":339},": Die BANF durchläuft einen definierten Genehmigungsworkflow. 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Stimmen Menge, Preis und Spezifikationen überein, gibt das System die Rechnung zur Zahlung frei.",[413],{"type":179,"attrs":414},{"color":181},{"type":293,"content":416},[417],{"type":121,"attrs":418,"content":420},{"textAlign":25,"key":419},"p-7",[421,427],{"text":422,"type":127,"marks":423},"Zahlung auslösen",[424,426],{"type":179,"attrs":425},{"color":181},{"type":304},{"text":428,"type":127,"marks":429},": Die Kreditorenbuchhaltung veranlasst die Zahlung innerhalb der vereinbarten Zahlungsfrist.",[430],{"type":179,"attrs":431},{"color":181},{"type":121,"attrs":433,"content":435},{"textAlign":25,"key":434},"p-8",[436],{"text":437,"type":127,"marks":438},"Ein Controller bearbeitet beispielsweise eine Rechnung über 8.500 Euro für IT-Dienstleistungen. Beim Three-Way-Matching stellt er fest, dass die Rechnung 120 Stunden ausweist, der Wareneingang aber nur 105 Stunden bestätigt. Die Abweichung wird vor der Zahlung erkannt – das spart dem Unternehmen 1.275 Euro.",[439],{"type":179,"attrs":440},{"color":181},{"type":192,"attrs":442,"content":443},{"level":194,"textAlign":25},[444],{"text":445,"type":127,"marks":446},"Wo der manuelle BANF-Prozess scheitert",[447],{"type":179,"attrs":448},{"color":201},{"type":121,"attrs":450,"content":452},{"textAlign":25,"key":451},"p-9",[453],{"text":454,"type":127,"marks":455},"Der manuelle Prozess scheitert regelmäßig an fehlender Nachvollziehbarkeit. E-Mail-basierte BANF-Anfragen erzeugen keinen strukturierten Audit-Trail. Wer hat wann was genehmigt? Bei einer Betriebsprüfung lässt sich diese Frage oft nicht beantworten.",[456],{"type":179,"attrs":457},{"color":181},{"type":121,"attrs":459,"content":461},{"textAlign":25,"key":460},"p-10",[462],{"text":463,"type":127,"marks":464},"Ein weiteres Problem ist fehlende Budgeteinsicht zum Genehmigungszeitpunkt. Ein Vorgesetzter genehmigt eine BANF per E-Mail, ohne zu wissen, wie viel Budget in der Kostenstelle noch verfügbar ist. Budgetüberschreitungen werden erst bei der Monatsauswertung sichtbar.",[465],{"type":179,"attrs":466},{"color":181},{"type":121,"attrs":468,"content":470},{"textAlign":25,"key":469},"p-11",[471],{"text":472,"type":127,"marks":473},"Ohne verbindliche Genehmigungs-Workflows bestellen Fachabteilungen außerdem direkt beim Lieferanten, ohne den Einkauf einzubeziehen. Was bei 50 Mitarbeitenden funktioniert, wird bei wachsender Teamgröße zum Kontrollrisiko.",[474],{"type":179,"attrs":475},{"color":181},{"type":121,"attrs":477,"content":479},{"textAlign":25,"key":478},"p-12",[480],{"text":481,"type":127,"marks":482},"Das Silo-Problem verschärft die Lage zusätzlich: BANF in Excel, Bestellung in SAP, Rechnung in DATEV, Zahlung im Bankportal. Vier Systeme, keine Verknüpfung, kein einheitlicher Datenbestand. 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Von der Konfiguration bis zum ersten automatischen Abruf vergehen typischerweise vier bis acht Wochen.",[2459],{"type":179,"attrs":2460},{"color":181},{"_uid":2462,"hide":28,"title":2463,"component":707,"description":2464},"e24dd046-d9d9-42e8-a6d1-7a6fdfb7cbe7","Wie funktioniert der DATEV CSV-Export?",{"type":118,"content":2465},[2466],{"type":121,"attrs":2467,"content":2468},{"textAlign":25},[2469],{"text":2470,"type":127,"marks":2471},"Der Standardweg nutzt das ASCII-Format über den DATEV Buchungsdatenservice. Die Buchhaltungssoftware exportiert Buchungssätze in diesem Format; der Import erfolgt über die DATEV-Importfunktion, wobei Kontenrahmen und Wirtschaftsjahr exakt übereinstimmen müssen.",[2472],{"type":179,"attrs":2473},{"color":181},[2475],{"cta":2476,"_uid":2477,"title":2478,"eyebrow":2485,"subtitle":2488,"component":192,"textAlign":101,"eyebrowPill":28,"flexibleSection":2491,"sectionSettings":2492,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":101},[],"d55baad5-a6c2-4c14-9a6d-3f5c00d756a9",{"type":118,"content":2479},[2480],{"type":192,"attrs":2481,"content":2482},{"level":194,"textAlign":25},[2483],{"text":2484,"type":127},"Häufige Fragen zum DATEV Kontoauszugsmanager",{"type":118,"content":2486},[2487],{"type":121},{"type":118,"content":2489},[2490],{"type":121},[],[],[],"datev-kontoauszugsmanager-einrichten","de/blog/datev-kontoauszugsmanager-einrichten",-1690,[],"c3269a41-5bd3-46e4-b9bf-ebdf8d012900","2026-05-15T15:25:22.151Z",[],"blog/datev-kontoauszugsmanager-einrichten",[2503,2504,2505],{"path":2501,"name":25,"lang":37,"published":25},{"path":2501,"name":25,"lang":32,"published":25},{"path":2501,"name":25,"lang":40,"published":25},{"name":2507,"created_at":2508,"published_at":2509,"updated_at":2510,"id":2511,"uuid":2512,"content":2513,"slug":2673,"full_slug":2674,"sort_by_date":25,"position":2675,"tag_list":2676,"is_startpage":28,"parent_id":782,"meta_data":25,"group_id":2677,"first_published_at":2678,"release_id":25,"lang":32,"path":25,"alternates":2679,"default_full_slug":2680,"translated_slugs":2681},"Zahllauf optimieren und Lieferantenzahlungen effizienter verwalten","2026-07-03T11:33:42.656Z","2026-07-08T18:40:39.433Z","2026-07-08T18:40:39.461Z",194104617643858,"d0af0d4f-d3c1-410e-9cd5-ccadfe4b7d87",{"_uid":2514,"title":2507,"topics":2515,"noIndex":28,"category":2524,"language":2533,"component":674,"heroMedia":2534,"publishedAt":2535,"redirectUrl":101,"listingImage":2536,"metaDescription":2543,"bottomArticleCta":2544,"componentsAfterTheArticle":2545},"8ba55ada-42a3-472b-aa05-2cabd6cea5a3",[2516],{"name":143,"created_at":144,"published_at":145,"updated_at":146,"id":147,"uuid":148,"content":2517,"slug":157,"full_slug":158,"sort_by_date":25,"position":159,"tag_list":2518,"is_startpage":28,"parent_id":161,"meta_data":25,"group_id":162,"first_published_at":163,"release_id":25,"lang":32,"path":25,"alternates":2519,"default_full_slug":165,"translated_slugs":2520,"_stopResolving":41},{"_uid":156,"name":143,"component":22,"hubspotId":101},[],[],[2521,2522,2523],{"path":165,"name":25,"lang":37,"published":25},{"path":165,"name":25,"lang":32,"published":25},{"path":165,"name":25,"lang":40,"published":25},{"name":662,"created_at":663,"published_at":16,"updated_at":664,"id":665,"uuid":666,"content":2525,"slug":674,"full_slug":675,"sort_by_date":25,"position":53,"tag_list":2527,"is_startpage":28,"parent_id":677,"meta_data":25,"group_id":678,"first_published_at":679,"release_id":25,"lang":32,"path":25,"alternates":2528,"default_full_slug":681,"translated_slugs":2529,"_stopResolving":41},{"_uid":668,"icon":2526,"name":662,"component":673},{"id":670,"alt":671,"name":101,"focus":101,"title":101,"filename":672,"copyright":101,"fieldtype":106,"is_external_url":28},[],[],[2530,2531,2532],{"path":681,"name":25,"lang":37,"published":25},{"path":681,"name":25,"lang":32,"published":25},{"path":681,"name":25,"lang":40,"published":25},[32],[],"2026-07-03 00:00",[2537],{"_uid":2538,"asset":2539,"caption":101,"component":269},"a23681b2-17fd-4ba5-b547-448c72bccccf",{"id":2540,"alt":101,"name":101,"focus":101,"title":101,"source":101,"filename":2541,"copyright":101,"fieldtype":106,"meta_data":2542,"is_external_url":28},194111216424782,"https://a.storyblok.com/f/146026/2528x1696/d7ec5bcbfc/zahllauf-tn-trichter-gravur.jpg",{},"Zahllauf optimieren: So bündeln Finanzteams Lieferantenzahlungen per SEPA, entlasten den Zahllauf mit virtuellen Karten und automatisieren die DATEV-Übergabe.",[],[2546],{"cta":2547,"_uid":2548,"items":2549,"heading":2649,"reverse":28,"component":776,"sectionSettings":2672},[],"145c89c2-2218-4e4b-9f3d-c79c9e38c344",[2550,2563,2576,2589,2623,2636],{"_uid":2551,"hide":28,"title":2552,"component":707,"description":2553},"db2fc6d8-80dc-4e6b-80d0-f0444394c06a","Was ist ein Zahllauf?",{"type":118,"content":2554},[2555],{"type":121,"attrs":2556,"content":2557},{"textAlign":25},[2558],{"text":2559,"type":127,"marks":2560},"Der Zahllauf ist der gebündelte Ausführungszeitpunkt für fällige Lieferantenrechnungen. Finanzteams wählen offene Posten aus, holen Freigaben ein und stoßen die Zahlungen gemeinsam an, in Deutschland meist per SEPA-Überweisung. Die Taktung liegt üblicherweise bei zwei bis drei Zahlläufen pro Monat.",[2561],{"type":179,"attrs":2562},{"color":2133},{"_uid":2564,"hide":28,"title":2565,"component":707,"description":2566},"355c291f-e7e0-40bf-b9e5-83153d5ae450","Wie lange dauert ein Zahllauf?",{"type":118,"content":2567},[2568],{"type":121,"attrs":2569,"content":2570},{"textAlign":25},[2571],{"text":2572,"type":127,"marks":2573},"Zwei Zeiten sind zu unterscheiden: Die Bank benötigt für die eigentliche SEPA-Verarbeitung ein bis zwei Bankarbeitstage. Der interne Vorlauf (Selektion, Prüfung, Freigabe, Übertragung) reicht bei manuellen Prozessen von wenigen Stunden bis zu einem vollen Arbeitstag. Automatisierte Workflows reduzieren diesen internen Anteil typischerweise auf unter eine Stunde.",[2574],{"type":179,"attrs":2575},{"color":2133},{"_uid":2577,"hide":28,"title":2578,"component":707,"description":2579},"0a066258-3498-4d49-812c-0dc0997b42db","Was sind SEPA-Überweisungen?",{"type":118,"content":2580},[2581],{"type":121,"attrs":2582,"content":2583},{"textAlign":25},[2584],{"text":2585,"type":127,"marks":2586},"SEPA (Single Euro Payments Area) ist der einheitliche europäische Zahlungsverkehrsraum mit 36 teilnehmenden Ländern. Eine SEPA-Überweisung folgt einem standardisierten XML-Format (pain.001) und ermöglicht Euro-Transfers zu identischen Konditionen wie eine Inlandsüberweisung.",[2587],{"type":179,"attrs":2588},{"color":2133},{"_uid":2590,"hide":28,"title":2591,"component":707,"description":2592},"f6208950-309e-4a16-bc38-dda11c1ab87f","Wie lassen sich Zahlläufe GoBD-konform dokumentieren?",{"type":118,"content":2593},[2594],{"type":121,"attrs":2595,"content":2596},{"textAlign":25},[2597,2602,2609,2618],{"text":2598,"type":127,"marks":2599},"Erforderlich sind unveränderliche, zeitgestempelte und maschinell lesbare Aufzeichnungen jedes Schritts, kombiniert mit einer Aufbewahrungsfrist von zehn Jahren. In der Praxis erfüllen das nur Systeme mit automatischer Protokollierung, digitalen Freigabespuren und revisionssicherer Archivierung. Die",[2600],{"type":179,"attrs":2601},{"color":2133},{"text":521,"type":127,"marks":2603},[2604,2607],{"type":215,"attrs":2605},{"href":2606,"uuid":25,"anchor":25,"target":25,"linktype":109},"https://www.ihk-muenchen.de/ratgeber/steuern/finanzverwaltung/grundsaetze-elektronische-buchfuehrung-gobd/",{"type":179,"attrs":2608},{"color":2133},{"text":2610,"type":127,"marks":2611},"IHK München",[2612,2614,2617],{"type":215,"attrs":2613},{"href":2606,"uuid":25,"anchor":25,"target":25,"linktype":109},{"type":179,"attrs":2615},{"color":2616},"#1155CC",{"type":222},{"text":2619,"type":127,"marks":2620}," bietet eine kompakte Übersicht der Anforderungen.",[2621],{"type":179,"attrs":2622},{"color":2133},{"_uid":2624,"hide":28,"title":2625,"component":707,"description":2626},"6230d2fd-ad5c-46a1-8595-cbb35dbd534f","Wann sind virtuelle Karten die bessere Wahl als SEPA?",{"type":118,"content":2627},[2628],{"type":121,"attrs":2629,"content":2630},{"textAlign":25},[2631],{"text":2632,"type":127,"marks":2633},"Immer dann, wenn Zahlungen wiederkehrend, digital und mit fixem Vertragswert anfallen: SaaS-Abonnements, Ad-Budgets, Plattformgebühren. Faustregel: Wer 10 bis 15 solcher Positionen aus dem SEPA-Zahllauf auslagert, entlastet das Team spürbar und vermeidet den manuellen Abgleich von Sammelabrechnungen.",[2634],{"type":179,"attrs":2635},{"color":2133},{"_uid":2637,"hide":28,"title":2638,"component":707,"description":2639},"e0ad5a53-691a-43c7-8572-f0dc03dfcad4","Wie verwalte ich wiederkehrende Zahlungen mit dedizierten virtuellen Karten?",{"type":118,"content":2640},[2641],{"type":121,"attrs":2642,"content":2643},{"textAlign":25},[2644],{"text":2645,"type":127,"marks":2646},"Pro Lieferant eine Karte mit Limit auf Vertragshöhe, zugeordnet zur richtigen Kostenstelle. Monatlicher Soll-Ist-Abgleich, sofortige Deaktivierung nach Vertragsende und ein vierteljährliches Audit aller aktiven Karten decken ungenutzte Dienste innerhalb von 90 Tagen auf.",[2647],{"type":179,"attrs":2648},{"color":2133},[2650],{"cta":2651,"_uid":2652,"title":2653,"eyebrow":2664,"subtitle":2667,"component":192,"textAlign":101,"eyebrowPill":28,"checkmarkList":28,"flexibleSection":2670,"sectionSettings":2671,"displaySeparator":28,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":101},[],"7f49daf4-fd80-4d0b-8a23-4a828cf3366d",{"type":118,"content":2654},[2655],{"type":192,"attrs":2656,"content":2657},{"level":194,"textAlign":25},[2658],{"text":2659,"type":127,"marks":2660},"Häufig gestellte Fragen zu Kostenstellen",[2661,2663],{"type":179,"attrs":2662},{"color":2133},{"type":304},{"type":118,"content":2665},[2666],{"type":121},{"type":118,"content":2668},[2669],{"type":121},[],[],[],"zahllauf-lieferantenzahlungen","de/blog/zahllauf-lieferantenzahlungen",-2270,[],"f5513dc2-1128-4c56-a032-71f15f06171d","2026-07-03T12:21:04.204Z",[],"blog/zahllauf-lieferantenzahlungen",[2682,2683,2684],{"path":2680,"name":25,"lang":37,"published":25},{"path":2680,"name":25,"lang":32,"published":25},{"path":2680,"name":25,"lang":40,"published":25},{"name":2686,"created_at":2687,"published_at":2688,"updated_at":2689,"id":2690,"uuid":2691,"content":2692,"slug":2863,"full_slug":2864,"sort_by_date":25,"position":2865,"tag_list":2866,"is_startpage":28,"parent_id":782,"meta_data":25,"group_id":2867,"first_published_at":2868,"release_id":25,"lang":32,"path":25,"alternates":2869,"default_full_slug":2870,"translated_slugs":2871},"Skonto oder Zahlungsziel? 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Mit Entscheidungsregel, Rechenbeispiel und Verhandlungstipps für Finanzteams.",[2728],{"cta":2729,"_uid":2736,"image":2737,"title":2739,"subtitle":2752,"component":2148,"imageFullWidth":28},[2730],{"tag":101,"_uid":2731,"hide":28,"icon":2732,"link":2734,"type":101,"label":1420,"style":111,"component":112,"mobileLabel":101,"onClickEvent":101,"openInANewTab":28,"horizontalFill":28,"isDownloadable":28},"01e5a8d7-9085-44c5-9edb-73919ebec26b",{"id":25,"alt":25,"name":101,"focus":25,"title":25,"source":25,"filename":101,"copyright":25,"fieldtype":106,"meta_data":2733},{},{"id":1412,"url":101,"linktype":821,"fieldtype":110,"cached_url":1413,"prep":41,"story":2735},{"name":1415,"id":1416,"uuid":1412,"slug":1417,"url":1418,"full_slug":1419,"_stopResolving":41},"87501dfc-1a8a-4f04-9e0a-a7149263c456",{"id":25,"alt":25,"name":101,"focus":25,"title":25,"source":25,"filename":101,"copyright":25,"fieldtype":106,"meta_data":2738},{},{"type":118,"attrs":2740,"content":2741},{"backgroundColor":25},[2742],{"type":121,"attrs":2743,"content":2744},{"textAlign":25},[2745],{"text":2746,"type":127,"marks":2747},"Zahlungsziele und Skonto besser steuern",[2748,2750],{"type":179,"attrs":2749},{"color":2133},{"type":2135,"attrs":2751},{"class":2210},"Behalten Sie Fälligkeiten, Skontofristen und Freigaben im Blick und zahlen Sie Lieferant:innen genau zum richtigen Zeitpunkt.",[2754],{"cta":2755,"_uid":2756,"items":2757,"heading":2842,"reverse":28,"component":776,"sectionSettings":2862},[],"fbb04536-425a-4b18-b969-d51b8de5073e",[2758,2772,2786,2800,2814,2828],{"_uid":2759,"hide":28,"title":2760,"component":707,"description":2761},"8f241e9b-0a7a-4196-812e-0165a71361c8","Was ist der Unterschied zwischen Skonto und Zahlungsziel?",{"type":118,"attrs":2762,"content":2763},{"backgroundColor":25},[2764],{"type":121,"attrs":2765,"content":2766},{"textAlign":25},[2767],{"text":2768,"type":127,"marks":2769},"Das Zahlungsziel bezeichnet die Frist bis zur vollständigen Zahlung einer Rechnung. Skonto ist ein Preisnachlass für eine frühere Zahlung innerhalb einer kürzeren Frist.",[2770],{"type":179,"attrs":2771},{"color":2133},{"_uid":2773,"hide":28,"title":2774,"component":707,"description":2775},"ca2c2128-7502-4d4a-a69c-70905d39ec87","Wann sollte ein Unternehmen Skonto nutzen?",{"type":118,"attrs":2776,"content":2777},{"backgroundColor":25},[2778],{"type":121,"attrs":2779,"content":2780},{"textAlign":25},[2781],{"text":2782,"type":127,"marks":2783},"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.",[2784],{"type":179,"attrs":2785},{"color":2133},{"_uid":2787,"hide":28,"title":2788,"component":707,"description":2789},"b31b54ca-7cb5-49e3-bab1-16d32c47b62f","Wie wird der effektive Skontozins berechnet?",{"type":118,"attrs":2790,"content":2791},{"backgroundColor":25},[2792],{"type":121,"attrs":2793,"content":2794},{"textAlign":25},[2795],{"text":2796,"type":127,"marks":2797},"Der Skontosatz wird durch den um den Skontosatz reduzierten Rechnungsbetrag geteilt. Das Ergebnis wird anschließend mit 360 multipliziert und durch die zusätzlichen Finanzierungstage geteilt.",[2798],{"type":179,"attrs":2799},{"color":2133},{"_uid":2801,"hide":28,"title":2802,"component":707,"description":2803},"39e89f22-6f11-469a-8437-85197ae49d9f","Was bedeutet „30 Tage netto“?",{"type":118,"attrs":2804,"content":2805},{"backgroundColor":25},[2806],{"type":121,"attrs":2807,"content":2808},{"textAlign":25},[2809],{"text":2810,"type":127,"marks":2811},"„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.",[2812],{"type":179,"attrs":2813},{"color":2133},{"_uid":2815,"hide":28,"title":2816,"component":707,"description":2817},"93875f99-683c-4e9c-a9bd-3d1d4dfd2656","Sind Zahlungsziele von mehr als 60 Tagen erlaubt?",{"type":118,"attrs":2818,"content":2819},{"backgroundColor":25},[2820],{"type":121,"attrs":2821,"content":2822},{"textAlign":25},[2823],{"text":2824,"type":127,"marks":2825},"Zwischen Unternehmen können längere Zahlungsziele ausdrücklich vereinbart werden. 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Der erforderliche Datenumfang hängt von Lieferant, Ausgabenart, Kontenplan und der Konsistenz der bisherigen Buchungen ab.",[2960],{"type":179,"attrs":2961},{"color":2133},{"type":121,"attrs":2963,"content":2964},{"textAlign":25},[2965,2970],{"text":2966,"type":127,"marks":2967},"Bis genügend historische Daten vorliegen, können feste Regeln den Einstieg unterstützen. Neue Lieferant:innen und seltene Ausgabenarten sollten zunächst manuell geprüft werden.",[2968],{"type":179,"attrs":2969},{"color":2133},{"type":2139},{"_uid":2972,"hide":28,"title":2973,"component":707,"description":2974},"ba054dce-5e6a-4b2b-9a38-0b63eb28c055","Ist automatische Kontierung GoBD-konform?",{"type":118,"attrs":2975,"content":2976},{"backgroundColor":25},[2977],{"type":121,"attrs":2978,"content":2979},{"textAlign":25},[2980],{"text":2981,"type":127,"marks":2982},"Automatische Kontierung kann in einen ordnungsgemäßen Prozess integriert werden. 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