Bankіvskі operatsії - Frost AM

9.3. Bankіvskі garantії that guarantee

Garantії that guarantee - tse sposіb zabezpechennya vikonannya zobov'yazan scho zastosovuyutsya mіzh whether yakimi sub'єktami pravovіdnosin.

During the contract bail surety to the creditor zobov'yazuєtsya іnshoї individuals vіdpovіdati for vikonannya her Svoge zobov'yazannya in Povny obsyazі abo in pevnіy chastinі. Bail Mauger Buti deprivation zabezpechena dіysna vimoga. Dogovіr bail Got Booty ukladeny in pismovіy formі, nedoderzhannya tsієї vimogi Tyagny nedіysnіst bail agreement.

In razі nevikonannya zobov'yazannya borzhnik i vіdpovіdayut guarantor to the creditor yak solіdarnі borzhniki. Oznachaє Tse, scho Mauger lender vimagati vikonannya agreement od borzhnika yak, so i od guarantor Lots Other Yakscho not peredbacheno bail agreement. Surety vіdpovіdaє in that same obsyazі, scho th borzhnik. Tobto vіn vіdpovіdaє for major Borg, SPLAT protsentіv that penalty, and takozh for vіdshkoduvannya zapodіyanih zbitkіv, Yakscho INSHI minds not peredbachenі bail agreement.

For borzhnika mozhut odnochasno poruchitisya kіlka osіb-poru- chitelіv. In tsomu razі takі poruchitelі mіzh him Je solіdarnimi borzhnikami to the creditor.

Surety, yaky vikonav zobov'yazannya for borzhnika, nabuvaє vsіh right lender for CIM zobov'yazannyam. Tse oznachaє peredusіm, scho yak guarantor lender in Novi zobov'yazannі zberіgaє right vimogi to borzhnika (regresnі vimogi). Yakscho kіlka poruchitelіv vikonali zobov'yazannya to the creditor, the Leather s Got them right zvorotnoї vimogi to borzhnika in rozmіrі viplachenoї CIM surety sumi.

On praktitsі garantіyu often ototozhnyuyut s bail. Tse pov'yazano s tim, scho normalized chinnogo Tsivіlnogo Code of Ukraine does not give viznachennya ponyattya garantії, they refer deprivation about those scho rules articles on bail on poshiryuyutsya garantії scho vidayutsya one organіzatsіyami for zabezpechennya repayment zaborgovanostі іnshih, Lots Other Yakscho not vstanovleno zakonodavstvom .

Vіdmіnnostі garantії od polyagayut bail at this:

1. vіdmіnu od bail garantіya Mauger Buti odnostoronnoyu tsivіlno legal grounds, on zasnovanoyu voleviyavlennі odnієї individuals - a guarantor.

2. The guarantor Nese subsidіarnu (dodatkovu) vіdpovіdalnіst, tobto vіn povnіstyu vikonuє zobov'yazannya, ale deprivation of minds in the main vіdsutnostі borzhnika koshtіv, neobhіdnih for nalezhnogo vikonannya zobov'yazannya. Surety, Yakscho іnshogo not vstanovleno bail agreement, in razі nevikonannya zobov'yazannya borzhnikom vіdpovіdaє it s time to the creditor solіdarno.

3. Registration of the contract garantії Je obov'yazkovim, todі yak for bail law tsogo vimagaє. Yakbi garantіya ґruntuvalasya deprivation on dogovorі when i tsomu law poshiryuvav neї rules on bail, the yak in nіy samostіynomu vidі zabezpechennya zobov'yazan not Bulo b required. Tom harakterizuyuchi garantіyu, zakonodavets aktsentuє uwagi on the fact scho Won vidaєtsya instead ukladaєtsya dogovіrnomu in order.

4. Yakscho guarantor vіdpovіdaє in quiet themselves furrows, scho th borzhnik, the guarantor from its dogovorі Mauger obmezhiti vіdpovіdalnіst Chastain zobov'yazan borzhnika. Tobto peredbachene garantієyu zobov'yazannya obmezhuєtsya Splat Sumi, yak on garantіyu ever heard.

Otzhe, pid garantієyu slіd rozumіti zobov'yazannya guarantor, scho vidaєtsya on Prohanov іnshoї individuals (principal) for guarantor Yakima zobov'yazuєtsya splatiti kreditorovі principal vіdpovіdno to drain garantіynogo zobov'yazannya Pevnyi penny scrip. Viplachuyuchi kreditorovі principal vіdpovіdnu penny scrip, zaznachenu in garantії guarantor Got right zazhadati od principal in order for the regression vіdshkoduvannya splachenih garantієyu sum, Lots Other Yakscho not peredbacheno contract guarantor s principal.

In rolі guarantor that the guarantor bank Mauger Buti. In tsomu razі speaking about bankіvsku garantіyu abo bail. Vidayuchi garantіyu (bail), banks have povinnі perekonatisya kreditospromozhnostі klієnta, oskіlki vidacha garantіy (bail), on sutі, Got credit related. Factuality banks take on themselves when zobov'yazannya nesplatі klієntom in rows nalezhnih platezhіv zdіysniti їh for rakhunok Vlasnyi resursіv. Yakscho bank kreditospromozhnіst klієnta nevіdoma abo viklikaє sumnіv then bankіvska garantіya vidaєtsya pid vіdpovіdne zabezpechennya, tobto suprovodzhuєtsya vіdpovіdnoyu force the lane. Zauvazhimo scho rozmіr garantіy scho їh nadaє komertsіyny bank regulyuєtsya in vіdpovіdny sposіb Natsіonalnim Bank of Ukraine.

Bankіvskі garantії (bail) shaping can Buti spryamovanі on vikonannya klієntom svoїh zobov'yazan for torgovelnimi that fіnansovimi lands: Tender garantіya; garantіya vikonannya contract; garantіya nadannya loan i vistavlennya letter of credit; garantіya payment; aktseptuvannya th avalyuvannya Bills toscho. Zaznachenі garantії (surety) mozhut nadavatis yak at viglyadі spetsіalnogo document (garantіynogo sheet ukladennya bail agreement), so i Shlyakhov napisu on vekselі (acceptance, surety).

Aktseptuvannya bills polyagaє in fact, scho Bank aktseptuє vistavleny on Demba klієntom bill for minds, scho klієnt nadast penny jar pokrittya to nastannya line payment for the bill. In zovnіshnoekonomіchnih operatsіyah acceptance credit nabuvaє viglyadu reimbursement loan. Vіn bazuєtsya on poєdnannі acceptance that vіdshkoduvannya (rambursuvannya) іmporterom koshtіv bank acceptor. Yak rule, the bank acceptance credit nadaєtsya eksportera bank іmportera for zabezpechennya platezhіv іmportera for zovnіshnoekonomіchnim contract. When reimbursement kredituvannі vikoristovuyutsya th letter of credit perekaznі vekselі. Klієnt-pokupets kompensuє zdіysnenі platezhі that vitrati svoєmu bankovі and takozh splachuє percent.

When avalyuvannі Bank Statement on bere vіdpovіdalnіst for vikonannya zobov'yazannya whether yakoyu zobov'yazanoyu bill for Special - acceptor, vekseledavtsem, іndosantom.

Aval nerіdko nazivayut "bill guarantee" oskіlki surety guarantee that toil bagato spіlnogo. Oplachuyuchi bill avalіst nabuvaє right regresnoї vimogi to particularly for yak vіn Nadab surety and takozh proti usіh zobov'yazanih osіb for the bill. Avalіst nabuvaє right vimogi, analogіchnogo law regresnoї vimogi in zvichaynomu poruchitelstvі. Quantity Aval on vekselі, yak i Quantity poruchitelіv for the contract, not obmezhuєtsya. Vodnochase іsnuyut suttєvі vіdmіnnostі Laval od guarantees: the guarantee Mauger deprivation zabezpechuvati dіysnu vimogu and surety not vtrachaє svoєї Seeley at razі nedіysnostі zobov'yazannya for yak vіn CCB nadany. Dogovіr bail Mauger peredbachati okremі minds when dotrimannі yakih nastaє vіdpovіdalnіst guarantor todі yak zobov'yazannya avalіsta Je analogіchnim zobov'yazannyu vekseledavtsya (paysite), tobto bezumovnim.

Exposure The garantії abo bail zakіnchuєtsya іz zakіnchennyam zabezpechenogo them zobov'yazannya, zokrema in razі vikonannya zobov'yazannya pozichalnikom. Garantіya chi bail pripinyaєtsya takozh, Yakscho lender protyagom troh months at the day s nastannya line zobov'yazannya not submitting to summon the guarantor (surety). Yakscho lines vikonannya zobov'yazannya not zaznacheny abo viznacheny vimogi moment, over vіdsutnostі іnshoї lands vіdpovіdalnіst guarantor (surety) pripinyaєtsya pіslya zakіnchennya a rock s day ukladennya garantії contract (bail).