{"id":1890,"date":"2025-04-04T12:36:55","date_gmt":"2025-04-04T10:36:55","guid":{"rendered":"https:\/\/aspaglobe.hu\/?p=1890"},"modified":"2025-10-30T09:23:01","modified_gmt":"2025-10-30T08:23:01","slug":"hogyan-kell-felkeszulni-a-vallalatoknak-a-bankok-fenntarthatosaggal-kapcsolatos-adatszolgaltatasi-elvarasaira","status":"publish","type":"post","link":"https:\/\/aspaglobe.hu\/en\/2025\/04\/04\/hogyan-kell-felkeszulni-a-vallalatoknak-a-bankok-fenntarthatosaggal-kapcsolatos-adatszolgaltatasi-elvarasaira\/","title":{"rendered":"Hogyan kell felk\u00e9sz\u00fclni a v\u00e1llalatoknak a bankok fenntarthat\u00f3s\u00e1ggal kapcsolatos adatszolg\u00e1ltat\u00e1si elv\u00e1r\u00e1saira?"},"content":{"rendered":"<style>.kb-row-layout-id1890_967f82-32 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id1890_967f82-32 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id1890_967f82-32 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-none, 0rem );max-width:1040px;padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id1890_967f82-32{background-image:url('http:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-omnibus.webp');background-size:cover;background-position:53% 56.00000000000001%;background-attachment:scroll;background-repeat:no-repeat;}.kb-row-layout-id1890_967f82-32 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id1890_967f82-32 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id1890_967f82-32 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id1890_967f82-32 alignfull kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column1890_067660-eb, .kt-inside-inner-col > .kadence-column1890_067660-eb:not(.specificity){margin-top:20px;margin-bottom:20px;}.kadence-column1890_067660-eb > .kt-inside-inner-col,.kadence-column1890_067660-eb > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column1890_067660-eb > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column1890_067660-eb > .kt-inside-inner-col{flex-direction:column;}.kadence-column1890_067660-eb > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column1890_067660-eb > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column1890_067660-eb{position:relative;}@media all and (max-width: 1024px){.kadence-column1890_067660-eb > .kt-inside-inner-col{flex-direction:column;}}@media all and (max-width: 767px){.kadence-column1890_067660-eb > .kt-inside-inner-col{flex-direction:column;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column1890_067660-eb\"><div class=\"kt-inside-inner-col\"><div class=\"gb-container gb-container-371532e5\">\n\n<p class=\"tw-mb-0 wp-block-paragraph\">A banki fenntarthat\u00f3s\u00e1gi adatszolg\u00e1ltat\u00e1si k\u00f6vetelm\u00e9nyek v\u00e1ltoz\u00e1sa hat\u00e1ssal lesz a magyar v\u00e1llalatokra, k\u00fcl\u00f6n\u00f6sen a KKV-kra, mivel a hitel\u00f6sszeg k\u00fcsz\u00f6b\u00e9nek cs\u00f6kken\u00e9se miatt egyre t\u00f6bb c\u00e9gnek kell a banki fenntarthat\u00f3s\u00e1gi adatig\u00e9nynek megfelelnie. B\u00e1r az EU Omnibusz I csomagja enyh\u00edt\u00e9st javasol, a banki elv\u00e1r\u00e1sok miatt a felk\u00e9sz\u00fcl\u00e9s elengedhetetlen. A folyamat id\u0151ig\u00e9nyes, \u00e9s a v\u00e1llalatoknak \u00e9rdemes most elkezdeni, hogy id\u0151ben k\u00e9szen \u00e1lljanak a banki k\u00f6vetelm\u00e9nyekre. <\/p>\n\n<\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<div class=\"gb-container gb-container-e2041c16\">\n\n<p class=\"wp-block-paragraph\">A fenntarthat\u00f3s\u00e1g egyre fontosabb szerepet j\u00e1tszik a p\u00e9nz\u00fcgyi szektorban, \u00e9s a magyar bankok m\u00e1r most elv\u00e1rj\u00e1k a v\u00e1llalati hitelfelvev\u0151kt\u0151l, hogy ny\u00fajtsanak be adatokat k\u00f6rnyezeti, t\u00e1rsadalmi \u00e9s v\u00e1llalatir\u00e1ny\u00edt\u00e1si (ESG) gyakorlataikr\u00f3l, k\u00fcl\u00f6n\u00f6sen 500 milli\u00f3 Ft feletti hitelk\u00e9relmek eset\u00e9n. Ez a k\u00f6vetelm\u00e9ny az MNB 2024. szeptember 24-\u00e9n kiadott 9\/2024. sz\u00e1m\u00fa aj\u00e1nl\u00e1s\u00e1n alapul, amely standardiz\u00e1lt k\u00e9rd\u0151\u00edvet \u00edr el\u0151 az ESG-kock\u00e1zatok \u00e9rt\u00e9kel\u00e9s\u00e9re. Az elk\u00f6vetkez\u0151 \u00e9vekben azonban ez a k\u00fcsz\u00f6b cs\u00f6kkenni fog, ami egyre t\u00f6bb c\u00e9get, k\u00fcl\u00f6n\u00f6sen a kis- \u00e9s k\u00f6z\u00e9pv\u00e1llalkoz\u00e1sokat (KKV-k) \u00e9rinti. Ek\u00f6zben az EU omnibusz csomagja javaslatot tesz az adminisztrat\u00edv terhek cs\u00f6kkent\u00e9s\u00e9re, de a banki k\u00f6vetelm\u00e9nyek tov\u00e1bbra is fennmaradnak. Jelen elemz\u00e9s r\u00e9szletesen foglalkozik az MNB aj\u00e1nl\u00e1s\u00e1nak tartalm\u00e1val, az EU omnibusz csomag hat\u00e1saival, valamint azzal, hogyan k\u00e9sz\u00fclhetnek fel a magyar v\u00e1llalatok, k\u00fcl\u00f6n\u00f6sen a KKV-k, ezekre a v\u00e1ltoz\u00e1sokra.<\/p>\n\n<\/div>\n\n<div class=\"gb-container gb-container-897d682b\">\n\n<h2 class=\"gb-headline gb-headline-7eb85009 gb-headline-text\"><strong><strong><strong>Jelenlegi Elv\u00e1r\u00e1sok \u00e9s J\u00f6v\u0151beli V\u00e1ltoz\u00e1sok<\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-66653612b6fa3c6eea9f1ce5a3ca2590 wp-block-paragraph\">A magyar bankok jelenleg azokt\u00f3l a c\u00e9gekt\u0151l v\u00e1rj\u00e1k el a fenntarthat\u00f3s\u00e1gi adatokat, amelyek 500 milli\u00f3 Ft feletti hitelt vesznek fel. Ez az MNB aj\u00e1nl\u00e1s\u00e1n alapul, amely 2025. j\u00falius\u00e1t\u00f3l l\u00e9p \u00e9letbe az 500 milli\u00f3 Ft feletti hitelekre, de a k\u00fcsz\u00f6b az elk\u00f6vetkez\u0151 \u00e9vekben cs\u00f6kkenni fog. Konkr\u00e9tan:<\/p>\n\n\n\n<ul class=\"wp-block-list tw-list-spacing-loose list-square is-style-default has-white-color has-text-color has-link-color wp-elements-fbf646c2c047c3dcb67ef0dbfbdab630\">\n<li>2026. j\u00faliust\u00f3l a 350 milli\u00f3 Ft feletti hitelekre,<\/li>\n\n\n\n<li>2027. j\u00faliust\u00f3l a 250 milli\u00f3 Ft feletti hitelekre,<\/li>\n\n\n\n<li>2028. j\u00faliust\u00f3l pedig a 100 milli\u00f3 Ft feletti hitelekre vonatkozik.<\/li>\n<\/ul>\n\n\n\n<p class=\"tw-mb-0 has-white-color has-text-color has-link-color wp-elements-e0bcb40c1c295f0b7c9af0de87d6b013 wp-block-paragraph\">Ez azt jelenti, hogy egyre t\u00f6bb v\u00e1llalatot \u00e9rintenek majd ezek a k\u00f6vetelm\u00e9nyek, k\u00fcl\u00f6n\u00f6sen a KKV-kat, amelyek kor\u00e1bban nem felt\u00e9tlen\u00fcl foglalkoztak ilyen r\u00e9szletes ESG-adatszolg\u00e1ltat\u00e1ssal.<\/p>\n\n<\/div>\n\n<div class=\"gb-container gb-container-05dc2bf3\">\n\n<h3 class=\"gb-headline gb-headline-095f7331 gb-headline-text\"><strong><strong>MNB Aj\u00e1nl\u00e1sa \u00e9s Adatpontok<\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Az MNB 9\/2024. (IX.24.) sz\u00e1m\u00fa aj\u00e1nl\u00e1sa egy minimum k\u00e9rd\u00e9ssort tartalmaz, amelyet a bankoknak fel kell tenni\u00fck a v\u00e1llalati hitelfelvev\u0151knek az ESG-inform\u00e1ci\u00f3k \u00e9rt\u00e9kel\u00e9se \u00e9rdek\u00e9ben. A k\u00e9rd\u0151\u00edv 62 k\u00e9rd\u00e9ssort tartalmaz, amelyek a k\u00f6rnyezeti hat\u00e1sok, t\u00e1rsadalmi felel\u0151ss\u00e9gv\u00e1llal\u00e1s \u00e9s v\u00e1llalatir\u00e1ny\u00edt\u00e1s k\u00fcl\u00f6nb\u00f6z\u0151 aspektusait fedik le, \u00e9s ak\u00e1r 321 adatelem megad\u00e1s\u00e1t is ig\u00e9nyelheti, a c\u00e9g m\u00e9ret\u00e9t\u0151l f\u00fcgg\u0151en. P\u00e9ld\u00e1ul:<\/p>\n\n\n\n<ul class=\"wp-block-list tw-list-spacing-loose list-square is-style-default\">\n<li><strong>K\u00f6rnyezeti adatok:<\/strong> Energiafogyaszt\u00e1s, sz\u00e9n-dioxid-kibocs\u00e1t\u00e1s, hullad\u00e9kkezel\u00e9s.<\/li>\n\n\n\n<li><strong>T\u00e1rsadalmi adatok:<\/strong> Munkaer\u0151-gyakorlatok, k\u00f6z\u00f6ss\u00e9gi elk\u00f6telezetts\u00e9g, munkav\u00e1llal\u00f3i el\u00e9gedetts\u00e9g.<\/li>\n\n\n\n<li class=\"tw-mb-2\"><strong>V\u00e1llalatir\u00e1ny\u00edt\u00e1si adatok:<\/strong> Igazgat\u00f3s\u00e1g szerkezete, korrupci\u00f3ellenes politik\u00e1k, etikus \u00fczleti magatart\u00e1s.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A k\u00e9rd\u0151\u00edv standardiz\u00e1lt, \u00e9s el\u00e9rhet\u0151 a <a href=\"https:\/\/www.mnb.hu\/felugyelet\/szabalyozas\/felugyeleti-szabalyozo-eszkozok\/ajanlasok\" target=\"_blank\" rel=\"noopener\"><strong>MNB honlapj\u00e1n<\/strong><\/a>, \u00edgy a v\u00e1llalatok megismerhetik, mire sz\u00e1m\u00edthatnak. A kereskedelmi bankok gyakorlata elt\u00e9rhet az MNB aj\u00e1nl\u00e1st\u00f3l, \u00edgy a pontos k\u00f6vetelm\u00e9nyek bankonk\u00e9nt v\u00e1ltozhatnak.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Az al\u00e1bbi t\u00e1bl\u00e1zat \u00f6sszefoglalja az MNB k\u00e9rd\u0151\u00edv\u00e9nek f\u0151bb jellemz\u0151it:<\/p>\n\n<\/div>\n\n<div class=\"gb-container gb-container-2abe4aba\">\n\n<figure class=\"gb-block-image gb-block-image-da8f7c4e\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"600\" class=\"gb-image gb-image-da8f7c4e\" src=\"http:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2.webp\" alt=\"\" title=\"ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2\" srcset=\"https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2.webp 1200w, https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2-300x150.webp 300w, https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2-1024x512.webp 1024w, https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2-768x384.webp 768w, https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2-50x25.webp 50w, https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-v2-18x9.webp 18w\" sizes=\"auto, (max-width: 1200px) 100vw, 1200px\" \/><\/figure>\n\n<\/div>\n\n<div class=\"gb-container gb-container-9d9d04ca\">\n\n<h2 class=\"gb-headline gb-headline-956f0ec6 gb-headline-text\"><strong><strong><strong><strong><strong><strong><strong><strong>EU Omnibus I csomag<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Az EU Omnibusz I csomagja \u2013 amelyet 2025 febru\u00e1rj\u00e1ban tettek k\u00f6zz\u00e9 \u2013 javaslatot tesz a v\u00e1llalati fenntarthat\u00f3s\u00e1gi jelent\u00e9st\u00e9tel adminisztrat\u00edv terheinek cs\u00f6kkent\u00e9s\u00e9re, k\u00fcl\u00f6n\u00f6sen a KKV-k sz\u00e1m\u00e1ra. Javasolja, hogy a fenntarthat\u00f3s\u00e1gi adatok gy\u0171jt\u00e9se csak nagyv\u00e1llalatokra vonatkozzon, k\u00f6r\u00fclbel\u00fcl 80%-kal cs\u00f6kkentve a jelenlegi jogszab\u00e1lyok \u00e1ltal jelent\u00e9si k\u00f6telezetts\u00e9g al\u00e1 tartoz\u00f3 c\u00e9gek sz\u00e1m\u00e1t. Azonban a banki hitelk\u00e9relmekhez kapcsol\u00f3d\u00f3 k\u00f6vetelm\u00e9nyek tov\u00e1bbra is \u00e9rv\u00e9nyesek, \u00edgy a KKV-k is k\u00e9sz\u00fclni\u00fck kell az ESG-adatok szolg\u00e1ltat\u00e1s\u00e1ra, ha hitelt szeretn\u00e9nek felvenni. Ez azt jelenti, hogy b\u00e1r az EU enyh\u00edt\u00e9st javasol, a banki elv\u00e1r\u00e1sok miatt a KKV-k nem ker\u00fclhetik el teljesen a fenntarthat\u00f3s\u00e1gi adatszolg\u00e1ltat\u00e1st.<\/p>\n\n\n\n<h3 class=\"gb-headline gb-headline-8b7afbf2 gb-headline-text\"><strong><strong><strong><strong><strong><strong><strong><strong><strong>Felk\u00e9sz\u00fcl\u00e9s \u00e9s Aj\u00e1nl\u00e1sok<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A magyar v\u00e1llalatok, k\u00fcl\u00f6n\u00f6sen a KKV-k, most kezdhetik meg a felk\u00e9sz\u00fcl\u00e9st ezekre a k\u00f6vetelm\u00e9nyekre. A v\u00e1llalati fenntarthat\u00f3s\u00e1g integr\u00e1l\u00e1sa az \u00fczleti m\u0171k\u00f6d\u00e9sbe \u00e9s a sz\u00fcks\u00e9ges adatok gy\u0171jt\u00e9se id\u0151ig\u00e9nyes folyamat, amely gondos tervez\u00e9st \u00e9s v\u00e9grehajt\u00e1st ig\u00e9nyel. Az al\u00e1bbi l\u00e9p\u00e9sek seg\u00edthetnek a megfelel\u00e9sben:<\/p>\n\n\n\n<ul class=\"wp-block-list tw-list-spacing-loose list-square is-style-default tw-mb-0\">\n<li><strong>Ismerked\u00e9s a k\u00e9rd\u0151\u00edvvel:<\/strong> A v\u00e1llalatok hozz\u00e1f\u00e9rhetnek az MNB standardiz\u00e1lt k\u00e9rd\u0151\u00edv\u00e9hez a <a href=\"https:\/\/www.mnb.hu\/felugyelet\/szabalyozas\/felugyeleti-szabalyozo-eszkozok\/ajanlasok\" target=\"_blank\" rel=\"noopener\"><strong>MNB honlapj\u00e1n<\/strong><\/a>, hogy meg\u00e9rts\u00e9k, milyen adatokra lesz sz\u00fcks\u00e9g. Az Excel f\u00e1jl let\u00f6lthet\u0151 innen: <a href=\"https:\/\/www.mnb.hu\/letoltes\/9-2024-esg-ajanlas-1-melleklet-kerdessor.xlsx\" target=\"_blank\" rel=\"noopener\"><strong>ESG k\u00e9rd\u00e9ssor<\/strong><\/a>.<\/li>\n\n\n\n<li><strong>Jelenlegi gyakorlatok \u00e9rt\u00e9kel\u00e9se:<\/strong> \u00c9rt\u00e9kelj\u00e9k a jelenlegi fenntarthat\u00f3s\u00e1gi gyakorlatokat, \u00e9s azonos\u00edts\u00e1k azokat a ter\u00fcleteket, ahol fejleszt\u00e9sekre vagy tov\u00e1bbi adatgy\u0171jt\u00e9sre van sz\u00fcks\u00e9g.&nbsp;<\/li>\n\n\n\n<li><strong>Adatgy\u0171jt\u00e9si rendszerek fejleszt\u00e9se:<\/strong> A sz\u00fcks\u00e9ges adatok, mutat\u00f3k el\u0151\u00e1ll\u00edt\u00e1s\u00e1hoz c\u00e9lszer\u0171 olyan bels\u0151 inform\u00e1ci\u00f3gy\u0171jt\u00e9si rendszert kialak\u00edtani, amely alkalmas az ESG-mutat\u00f3k nyomon k\u00f6vet\u00e9s\u00e9re \u00e9s seg\u00edtenek az adatok r\u00f6gz\u00edt\u00e9s\u00e9ben \u00e9s elemz\u00e9s\u00e9ben. Ez lehets\u00e9ges a megl\u00e9v\u0151 v\u00e1llalatir\u00e1ny\u00edt\u00e1si rendszerbe t\u00f6rt\u00e9n\u0151 integr\u00e1l\u00e1ssal, vagy speci\u00e1lis szoftver beszerz\u00e9s\u00e9vel.<\/li>\n\n\n\n<li><strong>Szakmai seg\u00edts\u00e9g ig\u00e9nybev\u00e9tele:<\/strong> A fenti pontokhoz javasolt fenntarthat\u00f3s\u00e1gi tan\u00e1csad\u00f3 bevon\u00e1sa, akik seg\u00edthetnek az adatgy\u0171jt\u00e9sben \u00e9s a jelent\u00e9st\u00e9telben. <\/li>\n\n\n\n<li><strong>Fenntarthat\u00f3s\u00e1g integr\u00e1l\u00e1sa:<\/strong> \u00c9rdemes a fenntarthat\u00f3s\u00e1ggal kapcsolatos elveket, m\u0171k\u00f6d\u00e9si elemeket a v\u00e1llalat strat\u00e9gi\u00e1j\u00e1nak \u00e9s m\u0171k\u00f6d\u00e9s\u00e9nek szerves r\u00e9sz\u00e9v\u00e9 tenni, nem csup\u00e1n a megfelel\u00e9s \u00e9rdek\u00e9ben, hanem a hossz\u00fa t\u00e1v\u00fa \u00e9rt\u00e9kteremt\u00e9s fokoz\u00e1sa \u00e9rdek\u00e9ben.<\/li>\n<\/ul>\n\n<\/div>\n\n\n<style>\n.site-content{background-color:white!important;}\nblockquote{padding:1em;border-left-color:#53c3dd!important}\n.custom-header:before{background:#097e93}\n.wp-block-table thead th {\n    text-align: left !important;\n}\ntable thead{\nbackground:#156082;\n}\n.wp-block-table.is-style-stripes tbody tr:nth-child(odd){\nbackground:#83CAEB;\n}\n.wp-block-table.is-style-stripes tbody tr:nth-child(even){\nbackground:#C1E4F5;\n}\n.wp-block-table.is-style-stripes tbody tr td:first-child{\nbackground:#156082;\ncolor:white;\n}\ntbody tr, td{\nborder: 2px solid white !important;\n}\n\n<\/style>","protected":false},"excerpt":{"rendered":"<p>A banki fenntarthat\u00f3s\u00e1gi adatszolg\u00e1ltat\u00e1si k\u00f6vetelm\u00e9nyek v\u00e1ltoz\u00e1sa hat\u00e1ssal lesz a magyar v\u00e1llalatokra, k\u00fcl\u00f6n\u00f6sen a KKV-kra, mivel a hitel\u00f6sszeg k\u00fcsz\u00f6b\u00e9nek cs\u00f6kken\u00e9se miatt egyre t\u00f6bb c\u00e9gnek kell a<span class=\"more-button\"><a href=\"https:\/\/aspaglobe.hu\/en\/2025\/04\/04\/hogyan-kell-felkeszulni-a-vallalatoknak-a-bankok-fenntarthatosaggal-kapcsolatos-adatszolgaltatasi-elvarasaira\/\" class=\"more-link\"><span class=\"screen-reader-text\">Hogyan kell felk\u00e9sz\u00fclni a v\u00e1llalatoknak a bankok fenntarthat\u00f3s\u00e1ggal kapcsolatos adatszolg\u00e1ltat\u00e1si elv\u00e1r\u00e1saira?<\/span><\/a><\/span><\/p>","protected":false},"author":1,"featured_media":1893,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/right-sidebar.php","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[3],"tags":[],"class_list":["post-1890","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-hirek"],"pbg_featured_image_src":{"full":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"thumbnail":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-150x150.webp",150,150,true],"medium":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-300x200.webp",300,200,true],"medium_large":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-768x512.webp",768,512,true],"large":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-1024x683.webp",1024,683,true],"gs-tiny":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-50x33.webp",50,33,true],"xl":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"xxl":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"xxxl":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"xxxxl":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"xxxxxl":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"1536x1536":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"2048x2048":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"trp-custom-language-flag":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-18x12.webp",18,12,true],"ect-jetpack-portfolio-featured":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-640x640.webp",640,640,true],"ect-featured-content":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-640x640.webp",640,640,true],"ect-service":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-640x640.webp",640,640,true],"post-thumbnail":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-470x264.webp",470,264,true],"clean-enterprise-slider":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas.webp",1200,800,false],"clean-enterprise-header-inner":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-1200x450.webp",1200,450,true],"clean-enterprise-service":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-470x352.webp",470,352,true],"clean-enterprise-choose-stats":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-70x70.webp",70,70,true],"clean-enterprise-hero":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-960x680.webp",960,680,true],"clean-enterprise-portfolio-first":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-1024x800.webp",1024,800,true],"clean-enterprise-portfolio":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-470x470.webp",470,470,true],"clean-enterprise-team":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-470x626.webp",470,626,true],"clean-enterprise-testimonial":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-150x150.webp",150,150,true],"jetpack-portfolio-admin-thumb":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-50x50.webp",50,50,true],"featured-content-admin-thumb":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-50x50.webp",50,50,true],"service-admin-thumb":["https:\/\/aspaglobe.hu\/wp-content\/uploads\/2025\/04\/ASPA-bankok-fenntarthatosag-adatszolgaltatas-50x50.webp",50,50,true]},"pbg_author_info":{"display_name":"aspakft2024@gmail.com","author_link":"https:\/\/aspaglobe.hu\/en\/author\/aspakft2024gmail-com\/","author_img":"<img alt='aspakft2024@gmail.com' src='https:\/\/secure.gravatar.com\/avatar\/c93fa125e18054dafc6b1dabc51ab36ba5813fb70f1532958b8807e7164da497?s=128&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/c93fa125e18054dafc6b1dabc51ab36ba5813fb70f1532958b8807e7164da497?s=256&#038;d=mm&#038;r=g 2x' class='avatar avatar-128 photo' height='128' width='128' loading='lazy' decoding='async'\/>"},"pbg_comment_info":" No Comments","pbg_excerpt":"A banki fenntarthat\u00f3s\u00e1gi adatszolg\u00e1ltat\u00e1si k\u00f6vetelm\u00e9nyek v\u00e1ltoz\u00e1sa hat\u00e1ssal lesz a magyar v\u00e1llalatokra, k\u00fcl\u00f6n\u00f6sen a KKV-kra, mivel a hitel\u00f6sszeg k\u00fcsz\u00f6b\u00e9nek cs\u00f6kken\u00e9se miatt egyre t\u00f6bb c\u00e9gnek kell aHogyan kell felk\u00e9sz\u00fclni a v\u00e1llalatoknak a bankok fenntarthat\u00f3s\u00e1ggal kapcsolatos adatszolg\u00e1ltat\u00e1si elv\u00e1r\u00e1saira?","_links":{"self":[{"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/posts\/1890","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/comments?post=1890"}],"version-history":[{"count":9,"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/posts\/1890\/revisions"}],"predecessor-version":[{"id":2050,"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/posts\/1890\/revisions\/2050"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/media\/1893"}],"wp:attachment":[{"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/media?parent=1890"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/categories?post=1890"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/aspaglobe.hu\/en\/wp-json\/wp\/v2\/tags?post=1890"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}