The speech goes about the enterprise relations, which participant, getting the money requirement to other person, not waiting its execution, the given requirement to bank or other commercial organization (financial agent - factor) in exchange for reception of money resources. Certainly, the factor is paid by such requirement to the creditor not in the complete sum or gives the credit, considering the given requirement as a way of complete or partial maintenance of its duly return. Thus the necessary compensation to the factor is taken into account also.
In international trade Legal essence of these relations the concession of the money requirement for a long time known in the obligations right in quality. Factoring is considered as service in reception of purchased foam for the goods, within the framework of which the financial agent releases the exporter from cares of collection of the price from the foreign buyer, allowing it to concentrate on sale and marketing of the goods, that basically concerns and to internal factoring. At the same time here it is accepted also to allocate " unopened factoring ", at which the debtor does not know about holding concession of the requirement and consequently carries out payment to the contractor (and last, working as the confidential proprietor of the factor, transfers It the received money). As the factor in such situation has no right itself to collect a duty from the debtor of the client, the concession of the requirement here does not occur.
At constant need of the client, for example of enterprise - manufacturer, in the credit the bank, serving it can on the contract take up duties not only on distribution to the client of the credits under concession of the appropriate money requirements to its debtors, but also on granting to it of the various financial services, simultaneously connected to it, first of all on conducting book keeping and exhibiting of the accounts under the acting money requirements. Besides factoring of service can include study of commercial activity and financial condition of the debtors of the client, insurance is brave of default of payment, consulting and other services. The granting of various financial services (switching, certainly, crediting of the clients) economically is basic, most typical by the party factoring.
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