{"id":28991,"date":"2023-10-21T12:18:38","date_gmt":"2023-10-21T09:18:38","guid":{"rendered":"https:\/\/stage.www.cobalt.legal\/?p=28991"},"modified":"2023-10-21T12:18:38","modified_gmt":"2023-10-21T09:18:38","slug":"atvirkstinis-faktoringas-alternatyva-tradiciniam-faktoringui-ir-aukstesnes-rizikos-finansavimo-produktas","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lt\/news-cases\/atvirkstinis-faktoringas-alternatyva-tradiciniam-faktoringui-ir-aukstesnes-rizikos-finansavimo-produktas\/","title":{"rendered":"Atvirk\u0161tinis faktoringas: alternatyva tradiciniam faktoringui ir auk\u0161tesn\u0117s rizikos finansavimo produktas"},"content":{"rendered":"

Faktoringo rinka Lietuvoje aktyvi \u2013 faktoringo paslaugas teikia tiek bankai, tiek specializuotos faktoringo paslaug\u0173 \u012fmon\u0117s. Remiantis Lietuvos bank\u0173 asociacijos skelbiama statistika, faktoringo portfelis Lietuvoje 2018 metais augo.<\/strong><\/p>\n

\u012esteigti faktoringo paslaug\u0173 \u012fmon\u0119 n\u0117ra sud\u0117tinga, faktoringo veikla n\u0117ra licencijuojama. Paprastas faktoringo \u012fmon\u0117s steigimo procesas ir galimyb\u0117 tapti alternatyva bank\u0173 si\u016blomiems finansavimo produktams skatina steigtis faktoringo paslaugas teikian\u010dias \u012fmones, \u012f Lietuvos rink\u0105 pritraukia naujus \u017eaid\u0117jus.<\/p>\n

Tiek nauji, tiek senai \u012fsitvirtin\u0119 rinkos dalyviai, pl\u0117sdami klient\u0173 rat\u0105, ie\u0161ko netradicini\u0173 finansavimo schem\u0173. Viena i\u0161 toki\u0173 – atvirk\u0161tinis faktoringas, kuomet finansuotojo klientu tampa pirk\u0117jas, susitariantis su finansuotoju d\u0117l jam i\u0161ra\u0161yt\u0173 s\u0105skait\u0173 apmok\u0117jimo. Ta\u010diau i\u0161 vienos pus\u0117s orientuodamosi \u012f nauj\u0105, tradiciniam faktoringui neb\u016bding\u0105 klient\u0173 segment\u0105, faktoringo \u012fmon\u0117s susiduria su rizikos koncentracija ties vienu subjektu (pirk\u0117ju) bei teisinio toki\u0173 santyki\u0173 reguliavimo subtilyb\u0117mis.<\/p>\n

Atvirk\u0161tinis faktoringas \u2013 auk\u0161tesn\u0117 rizika?<\/strong><\/h3>\n

Tradicinis faktoringas laikomas \u017eemos rizikos trumpalaikio finansavimo produktu, nes finansuotojas, \u012fgij\u0119s reikalavimo teises \u012f gautinas sumas, turi reikalavim\u0105 \u012f pirk\u0117j\u0105, o pirk\u0117jo \u012fsipareigojim\u0173 nevykdymo atveju, i\u0161laiko reikalavimo teises \u012f tiek\u0117j\u0105 (savo klient\u0105) ir, pasinaudodamas regreso teise, turi teis\u0119 susigr\u0105\u017einti finansuotas sumas.<\/p>\n

Sudarius atvirk\u0161tinio faktoringo sandor\u012f faktoringo \u012fmon\u0117s klientu tampa pirk\u0117jas. Finansuotojas savo kliento (pirk\u0117jo) \u012fsipareigojim\u0173 nevykdymo atveju, reikalavimo teisi\u0173 \u012f tiek\u0117j\u0105 (kreditori\u0173) neturi. Tokiu b\u016bdu, kliento \u012fsipareigojim\u0173 nevykdymo rizika n\u0117ra i\u0161dalinama tarp tiek\u0117jo ir pirk\u0117jo, o koncentruojasi i\u0161imtinai pirk\u0117jo pus\u0117je. Faktoringo \u012fmon\u0117s, negal\u0117damos i\u0161dalinti \u012fsipareigojim\u0173 nevykdymo rizikos tarp keli\u0173 subjekt\u0173, tur\u0117t\u0173 tinkamai \u012fvertinti pirk\u0117jo \u012fsipareigojim\u0173 vykdymo galimybes prie\u0161 sandorio sudarym\u0105.<\/p>\n

Santyki\u0173 teisinis reguliavimas. Faktoringas ar reikalavimo teisi\u0173 \u012fgijimas subrogacijos b\u016bdu?<\/strong><\/h3>\n

Tradicinis faktoringas suprantamas kaip sandoris, kurio pagrindu finansuotojas perduoda klientui pinigus mainais u\u017e kliento (kreditoriaus) pinigin\u012f reikalavim\u0105, o klientas perleid\u017eia finansuotojui pinigin\u012f reikalavim\u0105 \u012f savo skolinink\u0105 ir moka sutartyje nustatyt\u0105 atlyginim\u0105. Atvirk\u0161tinis faktoringas savyje i\u0161 esm\u0117s talpinantis tik trumpalaikio kreditavimo samprat\u0105 ir teis\u0119 reikalauti, kad klientas sumok\u0117t\u0173 u\u017e j\u012f kreditoriui i\u0161mok\u0117t\u0105 sum\u0105 lieka u\u017e tradicinio faktoringo reguliavimo. Tad kas gi reguliuoja santykius, susiklostan\u010dius tarp \u0161ali\u0173 atvirk\u0161tinio faktoringo atveju?<\/p>\n

Kadangi finansuotojas, savo kliento (pirk\u0117jo) nurodymu, atsiskaito su tiek\u0117ju, t.y. \u0161alys i\u0161 esm\u0117s susitaria d\u0117l skolos sumok\u0117jimo tre\u010diajam asmeniui ir tokiu b\u016bdu finansuotojas \u012fgyja reikalavimo teises \u012f klient\u0105 (pirk\u0117j\u0105), tokie tarp \u0161ali\u0173 susiklost\u0119 santykiai gali b\u016bti reguliuojami subrogacij\u0105 reglamentuojan\u010diomis teis\u0117s normomis.<\/p>\n

Tokiu atveju, reikalavimas pereina tre\u010diajam asmeniui regreso tvarka, kai skolininkas ir skol\u0105 sumok\u0117j\u0119s tre\u010diasis asmuo sudaro sutart\u012f d\u0117l skolos sumok\u0117jimo, jeigu apie \u0161i\u0105 sutart\u012f kreditorius skolos mok\u0117jimo metu \u017einojo arba apie j\u0105 jam buvo prane\u0161ta. Taigi, \u012fstatymuose yra. \u012ftvirtintos dvi s\u0105lygos reikalavimo teis\u0117ms \u012fgyti:<\/p>\n

    \n
  1. tarp \u0161ali\u0173 turi b\u016bti sudaryta sutartis d\u0117l skolos sumok\u0117jimo<\/li>\n
  2. kreditorius (tiek\u0117jas) turi su\u017einoti apie tokios sutarties sudarym\u0105 ne v\u0117liau kaip skolos mok\u0117jimo metu.<\/li>\n<\/ol>\n

    Jei pirm\u0105j\u0105 s\u0105lyg\u0105 \u012fvykdyti n\u0117ra sud\u0117tinga, nes santykiai tarp finansuotojo ir kliento susiklosto sutarties pagrindu, tai antrosios s\u0105lygos \u012fvykdym\u0105 kontroliuoti sud\u0117tinga, ypa\u010d, jei \u0161ios s\u0105lygos \u012fvykdymas perkeliamas klientui (pirk\u0117jui). \u0160i\u0105 s\u0105lyg\u0105 \u012fvykd\u017eius netinkamai ar jos i\u0161 viso ne\u012fvykd\u017eius, reikalavimo teisi\u0173 \u012fgijimas gali b\u016bti gin\u010dijamas.<\/p>\n

    Reik\u0117t\u0173 pa\u017eym\u0117ti,, kad reikalavimo teisi\u0173 tinkamas \u012fgijimas atvirk\u0161tinio faktoringo sandoriuose tampa ypa\u010d svarbus, nes galimyb\u0117s paskirstyti rizik\u0105 tarp tiek\u0117jo ir pirk\u0117jo n\u0117ra, o visa su kliento \u012fsipareigojim\u0173 ne\u012fvykdymu susijusi rizika koncentruojasi ties pirk\u0117ju.<\/p>\n

    Tod\u0117l atvirk\u0161tinio faktoringo paslaug\u0173 teik\u0117jai, sudarydami su pirk\u0117jais alternatyvius faktoringo sandorius, tur\u0117t\u0173 ne tik tinkamai \u012fvertinti pirk\u0117j\u0173 finansines galimybes vykdyti prisiimtus \u012fsipareigojimus, ta\u010diau ir u\u017esitikrinti, kad reikalavimo teisi\u0173 \u012fgijimo s\u0105lygos ir proced\u016bros atitikt\u0173 \u012fstatym\u0173 reikalavimus, \u012fskaitant kreditori\u0173 (tiek\u0117j\u0173) informavimo apie sudarytus susitarimus su pirk\u0117jais d\u0117l skolos sumok\u0117jimo s\u0105lygas.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Faktoringo rinka Lietuvoje aktyvi \u2013 faktoringo paslaugas teikia tiek bankai, tiek specializuotos faktoringo paslaug\u0173 \u012fmon\u0117s. Remiantis Lietuvos bank\u0173 asociacijos skelbiama statistika, faktoringo portfelis Lietuvoje 2018 metais augo. \u012esteigti faktoringo paslaug\u0173 \u012fmon\u0119 n\u0117ra sud\u0117tinga, faktoringo veikla n\u0117ra licencijuojama. Paprastas faktoringo \u012fmon\u0117s..<\/p>\n","protected":false},"author":6,"featured_media":27606,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[29],"country":[92],"class_list":["post-28991","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lt","country-lithuania-lt"],"acf":[],"yoast_head":"\nAtvirk\u0161tinis faktoringas: alternatyva tradiciniam faktoringui ir auk\u0161tesn\u0117s rizikos finansavimo produktas | COBALT<\/title>\n<meta name=\"description\" content=\"Atvirk\u0161tinis faktoringas: alternatyva tradiciniam faktoringui ir auk\u0161tesn\u0117s rizikos finansavimo produktas. News. Naujienos. Jaunumi. 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