{"id":3631,"date":"2022-04-07T10:51:23","date_gmt":"2022-04-07T08:51:23","guid":{"rendered":"https:\/\/blogs.dlapiper.com\/advocatus\/?p=3631"},"modified":"2022-10-27T10:57:29","modified_gmt":"2022-10-27T08:57:29","slug":"a-fenntarthato-gazdasag-fele-torteno-atmenet-banki-finanszirozasa","status":"publish","type":"post","link":"https:\/\/blogs.dlapiper.com\/advocatus\/2022\/04\/a-fenntarthato-gazdasag-fele-torteno-atmenet-banki-finanszirozasa\/","title":{"rendered":"A fenntarthat\u00f3 gazdas\u00e1g fel\u00e9 t\u00f6rt\u00e9n\u0151 \u00e1tmenet banki finansz\u00edroz\u00e1sa"},"content":{"rendered":"\t\t
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Napjaink gazdas\u00e1g\u00e1ban egyre ink\u00e1bb megker\u00fclhetetlenn\u00e9 v\u00e1lik az ESG c\u00e9lkit\u0171z\u00e9sek figyelembev\u00e9tele. Az Eur\u00f3pai Uni\u00f3 jogalkot\u00e1sa, az ENSZ k\u00f6zelm\u00faltban lez\u00e1rult COP26 konferenci\u00e1j\u00e1n kialak\u00edtott c\u00e9lkit\u0171z\u00e9seket is figyelembe v\u00e9ve, s\u00fcrget\u0151 feladatok el\u00e9 \u00e1ll\u00edtj\u00e1k a piaci szerepl\u0151ket a gazdas\u00e1g valamennyi \u00e1gazat\u00e1ban. A fenntarthat\u00f3 gazdas\u00e1g fel\u00e9 t\u00f6rt\u00e9n\u0151 \u00e1tmenetnek a banki hitel\u00fcgyleteket \u00e9rint\u0151 egyes kih\u00edv\u00e1sait S\u00e1ri Attila, a DLA Piper Hungary finansz\u00edroz\u00e1si, projektfejleszt\u00e9si \u00e9s restruktur\u00e1l\u00e1si csoportj\u00e1nak szenior \u00fcgyv\u00e9dje foglalja \u00f6ssze. <\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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M\u00e1ra m\u00e1r egy\u00e9rtelm\u0171, hogy az ESG szempontok a v\u00e1llalkoz\u00e1sok finansz\u00edroz\u00e1s\u00e1ban nemcsak egy-egy speci\u00e1lis banki term\u00e9k vagy projektt\u00edpus eset\u00e9ben mer\u00fclnek fel, hanem egyre ink\u00e1bb az \u00e1ltal\u00e1nos banki gyakorlat r\u00e9szei egy v\u00e1llalkoz\u00e1s hitelk\u00e9pess\u00e9g\u00e9nek, hossz\u00fa t\u00e1v\u00fa m\u0171k\u00f6d\u00e9s\u00e9nek vizsg\u00e1lata sor\u00e1n. A folyamathoz hozz\u00e1j\u00e1rul az EU z\u00f6ld oszt\u00e1lyoz\u00e1si rendszer\u00e9t mag\u00e1ban foglal\u00f3 Taxon\u00f3mia Rendelete, illetve az Eur\u00f3pai Parlament \u00e9s a Tan\u00e1cs (EU) 2019\/2088 sz\u00e1m\u00fa, a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1si \u00e1gazatban a fenntarthat\u00f3s\u00e1ggal kapcsolatos k\u00f6zz\u00e9t\u00e9telekr\u0151l sz\u00f3l\u00f3 rendelete (SFDR) alapj\u00e1n el\u0151\u00edrt egyes k\u00f6zz\u00e9t\u00e9teli k\u00f6telezetts\u00e9gek is, amelyek el\u0151sz\u00f6r a 2022. \u00e9v vonatkoz\u00e1s\u00e1ban alkalmazand\u00f3k a hat\u00e1lyuk al\u00e1 tartoz\u00f3 p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyekre. Egy\u00fattal a bankok r\u00e9szv\u00e9nyesei fel\u0151l is egyre nagyobb elv\u00e1r\u00e1s, hogy a bank a finansz\u00edroz\u00e1si tev\u00e9kenys\u00e9ge sor\u00e1n demonstr\u00e1lja elk\u00f6telezetts\u00e9g\u00e9t a k\u00f6rnyezetv\u00e9delem \u00e9s a pozit\u00edv t\u00e1rsadalmi v\u00e1ltoz\u00e1sok el\u0151mozd\u00edt\u00e1sa ir\u00e1nt.<\/p>

A z\u00f6ld \u00e1tmenet, mint kock\u00e1zati t\u00e9nyez\u0151<\/strong><\/p>

A napjaink gazdas\u00e1g\u00e1ban megker\u00fclhetetlen\u00fcl fontos javakat el\u0151\u00e1ll\u00edt\u00f3, de a sz\u00e9ndioxid-kibocs\u00e1t\u00e1shoz \u00e9s egy\u00e9b k\u00f6rnyezetterhel\u00e9shez egyel\u0151re jelent\u0151s m\u00e9rt\u00e9kben hozz\u00e1j\u00e1rul\u00f3 v\u00e1llalatok hosszabb t\u00e1v\u00fa \u00fczleti kil\u00e1t\u00e1sait egyre ink\u00e1bb a fenntarthat\u00f3 gazdas\u00e1gra val\u00f3 \u00e1t\u00e1ll\u00e1s k\u00f6vetelm\u00e9nyei hat\u00e1rozz\u00e1k meg. Ugyanakkor az \u00e1t\u00e1ll\u00e1s nemcsak az \u00e9rintett v\u00e1llalkoz\u00e1sokkal szemben t\u00e1maszt komoly elv\u00e1r\u00e1sokat, hanem az \u0151ket finansz\u00edroz\u00f3 bankok n\u00e9z\u0151pontj\u00e1b\u00f3l a hitelfelvev\u0151 v\u00e1llalkoz\u00e1s kock\u00e1zati profilj\u00e1t is egyre nagyobb m\u00e9rt\u00e9kben befoly\u00e1solja.<\/p>

A v\u00e1llalatok sz\u00e1m\u00e1ra a karbonszeg\u00e9ny \u00e9s az \u00e9ghajlatv\u00e1ltoz\u00e1s hat\u00e1saival szemben ellen\u00e1ll\u00f3k\u00e9pes gazdas\u00e1gba val\u00f3 \u00e1tmenet kock\u00e1zatot jelent, amely megjelenhet p\u00e9ld\u00e1ul technol\u00f3giai, politikai-szab\u00e1lyoz\u00e1si \u00e9s piaci kock\u00e1zat form\u00e1j\u00e1ban is. A v\u00e1llalkoz\u00e1s hitelk\u00e9pess\u00e9g\u00e9nek, p\u00e9nz\u00fcgyi modelljeinek, piaci helyzet\u00e9nek \u00e9s \u00fczleti kil\u00e1t\u00e1sainak vizsg\u00e1lata sor\u00e1n a bankoknak ezeket a kock\u00e1zatokat is figyelembe kell venni\u00fck.<\/p>

Sz\u00e1mos v\u00e1llalkoz\u00e1s hossz\u00fa t\u00e1v\u00fa \u00fczleti kil\u00e1t\u00e1sait, stabilit\u00e1s\u00e1t is vesz\u00e9lyeztetheti, ha nem tud megfelelni az \u00e1t\u00e1ll\u00e1ssal kapcsolatos kih\u00edv\u00e1soknak. Hosszabb futamidej\u0171 beruh\u00e1z\u00e1si hitelek eset\u00e9n az \u00e1t\u00e1ll\u00e1si kock\u00e1zat \u00e9rinti a beruh\u00e1z\u00e1s megt\u00e9r\u00fcl\u00e9s\u00e9vel, \u00e1rbev\u00e9tel-termel\u0151 k\u00e9pess\u00e9g\u00e9vel \u00e9s az eszk\u00f6z\u00e9rt\u00e9kek j\u00f6v\u0151beli alakul\u00e1s\u00e1val kapcsolatos kil\u00e1t\u00e1sokat is. Egy\u00fattal az \u00e1t\u00e1ll\u00e1si kock\u00e1zatoknak a hitelez\u00e9s sor\u00e1n t\u00f6rt\u00e9n\u0151 figyelembev\u00e9tele vagy annak elmulaszt\u00e1sa \u00e1tt\u00e9telesen mag\u00e1nak a banknak a hitelmin\u0151s\u00edt\u00e9s\u00e9t is befoly\u00e1solhatja.<\/p>

Mivel a fenti k\u00f6vetelm\u00e9nyek egyre hangs\u00falyosabban jelennek meg a banki hiteld\u00f6nt\u00e9sek sor\u00e1n, a finansz\u00edrozott v\u00e1llalkoz\u00e1snak a tov\u00e1bbi fejl\u0151d\u00e9s\u00e9t ezekhez a k\u00f6vetelm\u00e9nyekhez kell igaz\u00edtania. A k\u00f6vetelm\u00e9nyek figyelmen k\u00edv\u00fcl hagy\u00e1sa \u2013 az egy\u00e9b piaci kock\u00e1zatok mellett \u2013 egy\u00fattal azzal is j\u00e1r, hogy a v\u00e1llalkoz\u00e1s egyre nehezebben tud finansz\u00edroz\u00e1st ig\u00e9nybe venni, amely a finansz\u00edroz\u00e1si k\u00f6lts\u00e9gek alakul\u00e1s\u00e1ban is megmutatkozik.<\/p>

Z\u00f6ld \u00e1tmenet az egyes szektorokban<\/strong><\/p>

A fokoz\u00f3d\u00f3 k\u00f6vetelm\u00e9nyek id\u0151vel a k\u00f6rnyezeti szempontb\u00f3l elavult technol\u00f3gi\u00e1k finansz\u00edroz\u00e1s\u00e1nak visszaszorul\u00e1s\u00e1t eredm\u00e9nyezhetik. Ugyanakkor sz\u00e1mos szektorban az \u00e1tmenet a gyors \u00e9s radik\u00e1lis technol\u00f3giav\u00e1lt\u00e1s helyett sokkal ink\u00e1bb egy hosszabb t\u00e1v\u00fa folyamatk\u00e9nt \u00edrhat\u00f3 le. A jogalkot\u00e1s \u00e9s a hitelez\u00e9si piac k\u00e9nytelen figyelembe venni azt, hogy az \u00e1t\u00e1ll\u00e1shoz sz\u00fcks\u00e9ges technol\u00f3gi\u00e1k jelenleg nem, vagy csak r\u00e9szlegesen \u00e1llnak rendelkez\u00e9sre.<\/p>

Az energiaszektorban a fosszilis energiahordoz\u00f3k helyett egyre ink\u00e1bb el\u0151t\u00e9rbe ker\u00fclnek a meg\u00fajul\u00f3 energiaforr\u00e1sok, de az \u00e1t\u00e1ll\u00e1s \u00e9s a sz\u00fcks\u00e9ges technol\u00f3gi\u00e1k kifejleszt\u00e9se fokozatosan t\u00f6rt\u00e9nik. A l\u00e9gi sz\u00e1ll\u00edt\u00e1sban egyel\u0151re nincs el\u00e9rhet\u0151 \u00e9s sz\u00e9lesk\u00f6r\u0171en alkalmazhat\u00f3 technol\u00f3gia a z\u00e9r\u00f3 vagy nagyon alacsony kibocs\u00e1t\u00e1s megval\u00f3s\u00edt\u00e1s\u00e1hoz, ez\u00e9rt itt a re\u00e1lis c\u00e9l egy jelenleg bel\u00e1that\u00f3 id\u0151t\u00e1von ink\u00e1bb az energiahat\u00e9konys\u00e1g fokoz\u00e1sa, illetve a z\u00f6ldebb \u00fczemanyagok alkalmaz\u00e1sa lehet. A k\u00f6z\u00fati k\u00f6zleked\u00e9sben is hosszabb t\u00e1von, l\u00e9pcs\u0151zetesen ker\u00fclnek meghat\u00e1roz\u00e1sra a sz\u00e9ndioxid-kibocs\u00e1t\u00e1si hat\u00e1r\u00e9rt\u00e9kek. Az \u00e9p\u00edt\u0151ipar, vegyipar \u00e9s mez\u0151gazdas\u00e1g eset\u00e9ben az \u00e1t\u00e1ll\u00e1s \u00e9s a k\u00f6rnyezetterhel\u00e9s cs\u00f6kkent\u00e9se szint\u00e9n hosszabb t\u00e1v\u00fa \u00e9s jelent\u0151s technol\u00f3giai fejleszt\u00e9seket ig\u00e9nyl\u0151 feladatnak \u00edg\u00e9rkezik. Ez csak n\u00e9h\u00e1ny p\u00e9lda, de hasonl\u00f3 jelleg\u0171 kih\u00edv\u00e1sok mutatkoznak sz\u00e1mos egy\u00e9b gazdas\u00e1gi szektorban is.<\/p>

Ezeket, valamint egy\u00e9b hasonl\u00f3 feladatokat \u00e9s technol\u00f3giai korl\u00e1tokat a finansz\u00edroz\u00f3 bankokra \u00e9rv\u00e9nyes k\u00f6vetelm\u00e9nyeket el\u0151\u00edr\u00f3 jogalkot\u00e1s is figyelembe vette. \u00cdgy az EU Taxon\u00f3mia Rendelet\u00e9ben megfogalmazott k\u00f6rnyezeti c\u00e9lokhoz val\u00f3 hozz\u00e1j\u00e1rul\u00e1s egyik form\u00e1ja az \u00e1tmenet t\u00e1mogat\u00e1sa. Ennek keret\u00e9ben olyan tev\u00e9kenys\u00e9gek t\u00e1mogat\u00e1s\u00e1r\u00f3l van sz\u00f3, amelyek seg\u00edtik az \u00e1t\u00e1ll\u00e1st, de m\u00e9g nem eredm\u00e9nyezik a t\u00e1vlati c\u00e9lk\u00e9nt kit\u0171z\u00f6tt z\u00f6ld technol\u00f3gi\u00e1k teljes megval\u00f3s\u00edt\u00e1s\u00e1t. Az \u00e9ghajlatv\u00e1ltoz\u00e1s m\u00e9rs\u00e9kl\u00e9s\u00e9re vonatkoz\u00f3 k\u00f6rnyezeti c\u00e9lkit\u0171z\u00e9s szempontj\u00e1b\u00f3l p\u00e9ld\u00e1ul egy olyan gazdas\u00e1gi tev\u00e9kenys\u00e9g, amelynek nem l\u00e9tezik technol\u00f3giailag \u00e9s gazdas\u00e1gilag megval\u00f3s\u00edthat\u00f3 alacsony karbon-intenzit\u00e1s\u00fa alternat\u00edv\u00e1ja, a rendelet szerint akkor min\u0151s\u00fcl az \u00e9ghajlatv\u00e1ltoz\u00e1s m\u00e9rs\u00e9kl\u00e9s\u00e9hez l\u00e9nyegesen hozz\u00e1j\u00e1rul\u00f3 tev\u00e9kenys\u00e9gnek, ha hozz\u00e1j\u00e1rul a kl\u00edmasemleges gazdas\u00e1ghoz olyan p\u00e1ly\u00e1t k\u00f6vetve, amely biztos\u00edtja az iparosod\u00e1s el\u0151tti szinthez viszony\u00edtott h\u0151m\u00e9rs\u00e9klet-emelked\u00e9s 1,5 \u00b0C-ra val\u00f3 korl\u00e1toz\u00e1s\u00e1t. Egy m\u00e1sik p\u00e9lda alapj\u00e1n a k\u00f6rforg\u00e1sos gazdas\u00e1gra t\u00f6rt\u00e9n\u0151 \u00e1t\u00e1ll\u00e1shoz l\u00e9nyeges hozz\u00e1j\u00e1rul\u00e1snak min\u0151s\u00fcl, ha az adott tev\u00e9kenys\u00e9g a term\u00e9szeti er\u0151forr\u00e1sok hat\u00e9konyabb haszn\u00e1lat\u00e1hoz, a term\u00e9k tart\u00f3ss\u00e1g\u00e1nak, jav\u00edthat\u00f3s\u00e1g\u00e1nak, korszer\u0171s\u00edthet\u0151s\u00e9g\u00e9nek, \u00fajrahaszn\u00e1lhat\u00f3s\u00e1g\u00e1nak n\u00f6vel\u00e9s\u00e9hez, a vesz\u00e9lyes anyagok tartalm\u00e1nak l\u00e9nyeges cs\u00f6kkent\u00e9s\u00e9hez, a hullad\u00e9kkeletkez\u00e9s minimaliz\u00e1l\u00e1s\u00e1hoz vagy a kapcsol\u00f3d\u00f3 hullad\u00e9kkezel\u00e9si infrastrukt\u00fara fejleszt\u00e9s\u00e9hez l\u00e9nyegesen hozz\u00e1j\u00e1rul. Tov\u00e1bbi felt\u00e9tel valamennyi esetben egyebek k\u00f6z\u00f6tt az is, hogy a tev\u00e9kenys\u00e9g ne j\u00e1rjon a k\u00f6rnyezeti c\u00e9lkit\u0171z\u00e9sek jelent\u0151s megs\u00e9rt\u00e9s\u00e9vel, ne vezessen a hossz\u00fa t\u00e1v\u00fa k\u00f6rnyezetv\u00e9delmi c\u00e9lokat vesz\u00e9lyeztet\u0151 eszk\u00f6z\u00f6kbe t\u00f6rt\u00e9n\u0151 bez\u00e1r\u00f3d\u00e1shoz \u00e9s az \u00e9letciklussal kapcsolatos szempontok alapj\u00e1n l\u00e9nyeges pozit\u00edv k\u00f6rnyezeti hat\u00e1st fejtsen ki.<\/p>

A Magyar Nemzeti Bank egy 2021-ben kelt aj\u00e1nl\u00e1s\u00e1ban szint\u00e9n javasolja a hitelint\u00e9zeteknek, hogy vegy\u00e9k figyelembe \u00fczleti tev\u00e9kenys\u00e9g\u00fck sor\u00e1n, hogy a Taxon\u00f3mia Rendelet k\u00f6vetelm\u00e9nyei milyen k\u00f6vetkezm\u00e9nnyel j\u00e1rnak, p\u00e9ld\u00e1ul a term\u00e9kek, kitetts\u00e9gek \u00e9s strat\u00e9gi\u00e1k szempontj\u00e1b\u00f3l. Az aj\u00e1nl\u00e1s javasolja az \u00e9rz\u00e9keny gazdas\u00e1gi al\u00e1gazatokra vonatkoz\u00f3 limitek cs\u00f6kkent\u00e9s\u00e9t \u00e9s kitetts\u00e9gek le\u00e9p\u00edt\u00e9s\u00e9t, \u00e9s ezzel egyidej\u0171leg a k\u00f6rnyezeti szempontb\u00f3l pozit\u00edv hozad\u00e9k\u00fa tev\u00e9kenys\u00e9gekre, szektorokra vonatkoz\u00f3 limitek n\u00f6vel\u00e9s\u00e9t, \u00e9s elv\u00e1r\u00e1snak tekinti a k\u00f6rnyezeti szempontb\u00f3l fenntarthat\u00f3 hitelkock\u00e1zati politik\u00e1t. Az aj\u00e1nl\u00e1s szint\u00e9n hivatkozik azokra a tev\u00e9kenys\u00e9gekre, amelyek hozz\u00e1j\u00e1rulnak a karbonsemleges \u00e1t\u00e1ll\u00e1shoz, de egyel\u0151re m\u00e9g nem m\u0171k\u00f6dnek karbonsemleges m\u00f3don, illetve m\u00e1s gazdas\u00e1gi tev\u00e9kenys\u00e9gek \u00e1t\u00e1ll\u00e1s\u00e1t seg\u00edtik. A Magyar Nemzeti Bank \u00e1ltal 2022 janu\u00e1rj\u00e1ban k\u00f6zz\u00e9tett Z\u00f6ld K\u00f6tv\u00e9ny Kibocs\u00e1t\u00e1si \u00datmutat\u00f3 szint\u00e9n hivatkozik az EU Taxon\u00f3mia Rendelet\u00e9ben megfogalmazott k\u00f6vetelm\u00e9nyekre.<\/p>

A finansz\u00edroz\u00f3 bankok oldal\u00e1r\u00f3l a fenntarthat\u00f3 gazdas\u00e1g fel\u00e9 t\u00f6rt\u00e9n\u0151 \u00e1tmenet nemcsak a hitelezett v\u00e1llalkoz\u00e1sokra vonatkoz\u00f3 k\u00fcl\u00f6nf\u00e9le k\u00f6vetelm\u00e9nyek el\u0151\u00edr\u00e1s\u00e1t jelenti, hiszen a bankoknak a folyamat el\u0151mozd\u00edt\u00e1s\u00e1hoz sz\u00fcks\u00e9ges beruh\u00e1z\u00e1sok \u00e9s fejleszt\u00e9sek finansz\u00edroz\u00e1s\u00e1ban is kiemelked\u0151 szerep\u00fck van.<\/p>

Az \u00e1tmenet finansz\u00edroz\u00e1sa seg\u00edti az \u00e9rintett v\u00e1llalatokat abban, hogy hossz\u00fa t\u00e1v\u00fa v\u00e1ltoz\u00e1sokat tudjanak megval\u00f3s\u00edtani egy z\u00f6ldebb m\u0171k\u00f6d\u00e9s \u00e9rdek\u00e9ben. Ez\u00e1ltal a kock\u00e1zatokon \u00e9s egyre szigor\u00fabb k\u00f6vetelm\u00e9nyeken k\u00edv\u00fcl egy\u00fattal potenci\u00e1lis \u00fczleti lehet\u0151s\u00e9geket is jelent a hitelint\u00e9zetek r\u00e9sz\u00e9re, \u00e9s v\u00e1rhat\u00f3an tov\u00e1bbi innovat\u00edv finansz\u00edroz\u00e1si term\u00e9kek \u00e9s megold\u00e1sok kialak\u00edt\u00e1s\u00e1t fogja \u00f6szt\u00f6n\u00f6zni, bele\u00e9rtve p\u00e9ld\u00e1ul egyes digit\u00e1lis technol\u00f3gi\u00e1k alkalmaz\u00e1s\u00e1t is.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\tS\u00e1ri Attila*\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\u00dcgyv\u00e9d,

Counsel\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t

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\n\t\t\t\t\t\t\tS\u00e1ri Attila\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\tAttila a DLA Piper Hungary finansz\u00edroz\u00e1si, projektfejleszt\u00e9si \u00e9s restruktur\u00e1l\u00e1si csoportj\u00e1nak \u00fcgyv\u00e9dje. Szakmai tev\u00e9kenys\u00e9ge kiterjed az \u00e1ltal\u00e1nos v\u00e1llalatfinansz\u00edroz\u00e1si, akviz\u00edci\u00f3- illetve projektfinansz\u00edroz\u00e1si \u00fcgyletekre, hitelez\u0151i \u00e9s hitelfelvev\u0151i oldalon egyar\u00e1nt, valamint restruktur\u00e1l\u00e1si \u00fcgyletekre.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tE-mailt k\u00fcld\u00f6k\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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K\u00e9rd\u00e9se van? Keressen minket bizalommal!<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tKapcsolatfelv\u00e9tel<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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K\u00f6vesse LinkedIn oldalunkat!<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tDLA Piper Hungary<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Legfrissebb tartalmaink<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Ingatlan | Real Estate<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tRugalmass\u00e1g \u00e9s \u00fajrapozicion\u00e1l\u00e1s: merre tart a magyar ingatlanpiac 2026-ban?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t
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Megjelent a DLA Piper Hungary Hazai Ingatlanpiaci K\u00f6rk\u00e9p 2026, amelyben szak\u00e9rt\u0151ink \u00f6sszefoglalt\u00e1k az elm\u00falt \u00e9v meghat\u00e1roz\u00f3 ingatlanpiaci trendjeit \u00e9s a piac j\u00f6v\u0151beni kil\u00e1t\u00e1sait. Az idei kiad\u00e1s fontos m\u00e9rf\u00f6ldk\u00f6vet jelent: els\u0151 alkalommal eg\u00e9sz\u00edtett\u00fck ki elemz\u00e9s\u00fcnket \u00fcgyfeleink \u00e9s a piac vezet\u0151 szerepl\u0151inek els\u0151 k\u00e9zb\u0151l sz\u00e1rmaz\u00f3 tapasztalataival \u00e9s v\u00e1rakoz\u00e1saival, amelyeket saj\u00e1t jogi elemz\u00e9s\u00fcnkkel \u00f6tv\u00f6zt\u00fcnk. Ennek k\u00f6sz\u00f6nhet\u0151en riportunk \u00e1tfog\u00f3bb \u00e9s teljesebb k\u00e9pet ny\u00fajt a magyarorsz\u00e1gi ingatlanpiac aktu\u00e1lis helyzet\u00e9r\u0151l.<\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tTov\u00e1bb >>\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\n\t\t\tDLA Piper\t\t<\/span>\n\t\t\t\t\n\t\t\t2026-04-02\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t
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Arbitration<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tInterview with D\u00e1vid K\u0151hegyi published on B\u00f8rsen\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t
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Read the latest interview with D\u00e1vid K\u0151hegyi published on\u00a0B\u00f8rsen, one of Denmark\u2019s leading and most influential business and financial newspapers. Please note that the text<\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tTov\u00e1bb >>\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\n\t\t\tK\u0151hegyi D\u00e1vid\t\t<\/span>\n\t\t\t\t\n\t\t\t2026-03-13\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t
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Energetika | Energy<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\t\u00c1trendez\u0151d\u0151 er\u0151viszonyok a z\u00f6ld energia \u00e1tmenetben: merre tart az M&A\u2011piac \u00e9s a r\u00e9gi\u00f3 befektet\u00e9si t\u00e9rk\u00e9pe?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\t\t
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A DLA Piper 2026-os energia \u00e1tmeneti M&A jelent\u00e9se (Energy Transition M&A Report 2026*) szerint a glob\u00e1lis tranzakci\u00f3s dinamika egyszerre mutatott visszaes\u00e9st \u00e9s er\u0151s\u00f6d\u00e9st.<\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tTov\u00e1bb >>\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\n\t\t\tDLA Piper\t\t<\/span>\n\t\t\t\t\n\t\t\t2026-03-13\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

A fenntarthat\u00f3 gazdas\u00e1g fel\u00e9 t\u00f6rt\u00e9n\u0151 \u00e1tmenetnek a banki hitel\u00fcgyleteket \u00e9rint\u0151 egyes kih\u00edv\u00e1sait S\u00e1ri Attila, a DLA Piper Hungary finansz\u00edroz\u00e1si, projektfejleszt\u00e9si \u00e9s restruktur\u00e1l\u00e1si csoportj\u00e1nak szenior \u00fcgyv\u00e9dje foglalja \u00f6ssze. <\/p>\n","protected":false},"author":676,"featured_media":2873,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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