: 20 de enero de 2022
La garantía bancaria es una declaración de un instituto de préstamos para garantizar que el deudor pueda cumplir con sus obligaciones. La garantía bancaria simplemente hace que el banco sea responsable de cumplir con las obligaciones de la persona en caso de que no realice el pago.
Mientras que una carta de crédito en espera ( SBLC ) también es un tipo de garantía hecha por una institución crediticia para el mismo propósito, es decir., para cumplir con las obligaciones del deudor en caso de que no realice el pago. Hay algunas diferencias y similitudes entre los dos términos, pero no son iguales.
Tanto la garantía bancaria como la carta de crédito en espera actúan como una garantía para el acreedor de que él / ella recibirá el pago. Estas solicitudes al banco se tratan como préstamos y se otorgan en función de la credibilidad del deudor.
Garantía bancaria vs SBLC
La principal diferencia entre la Garantía bancaria y SBLC es que la garantía bancaria proporciona doble protección, tanto al vendedor como al comprador, a diferencia de SBLC.
Tabla de comparación entre garantía bancaria y SBLC ( en forma tabular )
Parámetro de la Garantía del Banco Comparado La Garantía del Banco SBLCScope tiene un alcance más amplio. El SBLC tiene un alcance limitado. Duración Se prefiere en el caso de contratos a largo y corto plazo. Se utiliza principalmente para contratos a largo plazo principalmente para transacciones nacionales e internacionales. Se utiliza en transacciones comerciales internacionales. La protección es proporcionada por un solo banco. La protección es proporcionada por el banco emisor y el tercero. Asegurado Tiene cobertura de riesgo tanto para el comprador como para el tercero el vendedor si se solicitan los cambios. Solo cubre el riesgo del beneficiario, es decir., el asegurado. La cobertura cubre solo el aspecto financiero de la transacción. También cubre los factores no financieros que afectan el rendimiento.
¿Qué es la garantía bancaria?
Una garantía bancaria suele ser una declaración del banco para hacerse cargo de los pasivos del asegurado en caso de incumplimiento del pago. Es similar a un préstamo. Por lo general, se prefiere en las transacciones transfronterizas. Esto permite a las empresas / compradores comprar bienes / servicios que tal vez no puedan pagar en el curso normal de los negocios para fines de expansión o cumplimiento de pedidos.
Es de dos tipos – Directo e indirecto . Las garantías bancarias directas se utilizan en el caso de transacciones internacionales en las que el banco protege solo a la persona a la que se le ha otorgado la garantía. Estos son preferidos en el caso de transacciones internacionales, ya que son flexibles y compatibles con las normas extranjeras.
Las empresas que están en el negocio exportador prefieren una garantía bancaria indirecta. Esto se debe a que protege a dos bancos, que es principalmente un banco extranjero. Se puede utilizar tanto para transacciones a largo como a corto plazo.
Las garantías bancarias permiten a las empresas reducir su riesgo financiero y realizar transacciones que podrían ayudarlas a expandir sus negocios. Básicamente hay dos tipos de garantías bancarias – Garantía financiera y garantía de rendimiento. La garantía financiera solo cubre el compromiso financiero del deudor. La garantía de rendimiento cubre aspectos como el incumplimiento en el rendimiento.
¿Qué es SBLC?
SBLC fue introducido por primera vez por los Estados Unidos. La carta de crédito en espera ( SBLC / SLOC ) es similar a una garantía bancaria, ya que protege al comprador en caso de incumplimiento en el momento del pago al cubrir su responsabilidad. Funciona según el principio de uberrimae fidei, lo que significa la máxima buena fe. SBLC puede requerir garantías a veces.
SLBC cuesta 1% -10% del valor del monto garantizado por año. En SBLC, un banco solo paga en el peor de los casos porque es el prestamista de último recurso. Se utiliza principalmente en contactos a largo plazo. Tiene un alcance limitado ya que solo cubre la responsabilidad del beneficiario, es decir, la persona a la que se le ha otorgado la garantía. No protege a ambas partes. Pero generalmente involucra a dos bancos, y el pago está cubierto por el tercero y el banco primario.
Se puede descontar como una carta de crédito, y el vendedor también se puede pagar de antemano. Es una herramienta muy flexible y se usa ampliamente en transacciones internacionales, ya que proporciona más seguridad debido a la participación de dos bancos.
Similar a la garantía bancaria, SBLC también es de dos tipos, financiero y de rendimiento. Financial SBLC se enfoca en garantizar que se realice el pago. En contraste, el SBLC de rendimiento se enfoca en garantizar que se cumplan los criterios de trabajo decididos, por ejemplo, tiempo, calidad del trabajo, etc.
Diferencias principales entre la garantía bancaria y SBLC
- La garantía bancaria tiene protección contra riesgos tanto para el comprador como para el vendedor, mientras que SBLC solo protege al beneficiario.
- La garantía bancaria involucra solo un banco único, mientras que SBLC también involucra a un banco externo, que generalmente es un banco extranjero.
- La garantía bancaria tiene un amplio alcance, ya que puede utilizarse tanto para transacciones a corto como a largo plazo. SBLC es principalmente preferido para transacciones a largo plazo.
- La garantía bancaria se utiliza para transacciones nacionales e internacionales, mientras que SBLC es preferible para transacciones internacionales.
- La garantía bancaria solo cubre el aspecto financiero de la garantía. SBLC cubre aspectos financieros y no financieros de la garantía.
Síntesis
Se puede decir que tanto la garantía bancaria como la carta de crédito en espera son similares en algunos aspectos. Ambas son declaraciones del banco para cubrir los pasivos del asegurado y dependen de la credibilidad de la empresa a la que se le está dando la garantía. Pero hay algunas diferencias en los aspectos de cobertura de riesgos y participación. Por lo tanto, las dos herramientas son diferentes entre sí, y la preferencia depende del tipo de transacción.
Para las transacciones internacionales, las empresas prefieren tener SBLC ya que también protege a un banco extranjero. Aún así, la garantía bancaria tiende a proporcionar más cobertura ya que ambas partes están protegidas por el acuerdo. La garantía bancaria también tiene un alcance más amplio, ya que puede utilizarse en varios tipos de transacciones, pero SBLC también tiene una excelente cobertura en el sentido de los aspectos financieros y no financieros. Por lo tanto, los dos pueden considerarse similares, pero no son lo mismo.
- https://bibliotecadigital.fgv.br/dspace/handle/10438/20172
- https://pdfs.semanticscholar.org/edb1/dcd00985ce0780578fec3b1106b6def02fad.pdf
Contenido
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