{"id":19609,"date":"2020-02-21T13:32:17","date_gmt":"2020-02-21T13:32:17","guid":{"rendered":"https:\/\/brm.ro\/piata-creantelor\/"},"modified":"2020-02-21T13:32:17","modified_gmt":"2020-02-21T13:32:17","slug":"piata-creantelor","status":"publish","type":"page","link":"https:\/\/brm.ro\/en\/piata-creantelor\/","title":{"rendered":"Piata Creantelor"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; padding_top=&#8221;70&#8243; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1582290868128{background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;]<div class=\"q_list circle\">\n\t<strong>Cadrul legislativ existent<\/strong><\/p>\n<ul>\n<li>Legea 357\/2005 privind bursele de m\u0103rfuri care permite acestora administrarea pie\u0163elor organizate, printre care \u015fi cea a crean\u0163elor<\/li>\n<li>Codul fiscal ofer\u0103 posibilitatea deductibilit\u0103\u0163ii cheltuielilor ocazionate de tranzac\u0163ionarea crean\u0163elor comerciale prin intermediul burselor de m\u0103rfuri<\/li>\n<li>Regulamentul bursei pentru licita\u0163iile cu crean\u0163e comerciale<\/li>\n<\/ul>\n<p><\/div>[\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text]<strong>Documente<\/strong>[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li><a href=\"https:\/\/brm.ro\/wp-content\/uploads\/REGULAMENT-BRM-Piata-Creantelor.pdf\">Regulament BRM Piata Creantelor<\/a><\/li>\n<li><a href=\"https:\/\/brm.ro\/wp-content\/uploads\/PROCED.COMPENSARE.pdf\">Procedura compensare<\/a><\/li>\n<\/ul>\n<p><\/div>[\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; padding_bottom=&#8221;70&#8243; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1582290891175{background-color: #ffffff !important;}&#8221; padding_top=&#8221;20&#8243;][vc_column]<div class=\"q_list circle\">\n\t<strong>Premise ale tranzac\u0163ion\u0103rii crean\u0163elor comerciale la BRM<\/strong><\/p>\n<ul>\n<li>Un procent de 20% din PIB (circa 56 de miliarde lei, conform evalu\u0103rilor CNP pentru 2005) este blocat de datoriile vechi pe care societ\u0103\u0163ile comerciale le au c\u0103tre stat sau unele c\u0103tre altele<\/li>\n<li>Crean\u0163ele comerciale neonorate se ridic\u0103 la aproximativ dou\u0103 treimi din aceste datorii, adic\u0103 37 de miliarde lei (echivalentul a peste 10 miliarde euro)<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;]<div class=\"q_list circle\">\n\t<strong>Beneficiile tranzac\u0163ion\u0103rii prin BRM<\/strong><\/p>\n<ul>\n<li>La nivel macroeconomic\n<ul>\n<li>reprezint\u0103 un instrument al economiei de pia\u0163\u0103 \u015fi nu o m\u0103sur\u0103 de ordin administrativ;<\/li>\n<li>deblocarea pl\u0103\u0163ilor sumelor restante \u00eentre operatorii economici.<\/li>\n<\/ul>\n<\/li>\n<li>La nivel microeconomic\n<ul>\n<li>monetizarea \u015fi transformarea \u00een lichidit\u0103\u0163i imediate a unor crean\u0163e considerate pierdute;<\/li>\n<li>deductibilitatea fiscal\u0103 a cheltuielilor \u00eenregistrate cu ocazia tranzac\u0163ion\u0103rii crean\u0163elor comerciale;<\/li>\n<li>desc\u0103rcarea bilan\u0163ier\u0103 aferent\u0103 facturilor neachitate;<\/li>\n<li>\u00eembun\u0103t\u0103\u0163irea indicatorilor financiari.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><\/div>[\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; css=&#8221;.vc_custom_1582291181607{background-color: #f3f3f3 !important;}&#8221; z_index=&#8221;&#8221; padding_top=&#8221;70&#8243; padding_bottom=&#8221;70&#8243;][vc_column][vc_column_text]<\/p>\n<h1>Participantii pe piata creantelor<\/h1>\n<p>[\/vc_column_text][vc_separator type=&#8221;small&#8221; position=&#8221;left&#8221; color=&#8221;#9b9b9b&#8221; thickness=&#8221;4&#8243; width=&#8221;48&#8243; up=&#8221;14&#8243; down=&#8221;22&#8243;][vc_column_text]<strong>Ordonatorii<\/strong> (membri ac\u0163ionari, membri afilia\u0163i, clien\u0163i BRM) \u015fi ofertan\u0163ii (persoane fizice sau juridice care \u00eenregistreaz\u0103 ordine de sens contrar celor lansate de ordonatori) afla\u0163i \u00een una din urm\u0103toarele ipostaze:[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>operatori economici interesa\u0163i s\u0103-\u015fi valorifice crean\u0163ele asupra unor clien\u0163i, colaboratori sau beneficiari (de ex. institu\u0163ii de credit, furnizori de utilit\u0103\u0163i, operatori de telefonie);<\/li>\n<li>companii specializate \u00een colectarea \u015fi recuperarea crean\u0163elor;<\/li>\n<li>operatori economici sau persoane care au deja o obliga\u0163ie restant\u0103 fa\u0163\u0103 de debitorul unei crean\u0163e oferite spre v\u00e2nzare (\u00een perspectiva unei compens\u0103ri).<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>Etapele de tranzac\u0163ionare \u00een cazul ordonatorului V\u00c2NZ\u0102TOR<\/strong>[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>Prezentarea ofertei de v\u00e2nzare a ordonatorului;<\/li>\n<li>Verificarea \u015fi publicarea anun\u0163ului privind oferta de v\u00e2nzare a ordonatorului;<\/li>\n<li>Prezentarea, verificarea \u015fi \u00eenregistrarea ordinului r\u0103spuns al ofertantului cump\u0103r\u0103tor;<\/li>\n<li>Desf\u0103\u015furarea \u015fedin\u0163ei de tranzac\u0163ionare;<\/li>\n<li>Semnarea contractelor de cesiune.<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>Etapele de tranzac\u0163ionare \u00een cazul ordonatorului CUMP\u0102R\u0102TOR<\/strong>[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>Prezentarea ofertei de cump\u0103rare a ordonatorului;<\/li>\n<li>Verificarea \u015fi publicarea anun\u0163ului privind oferta de cump\u0103rare a ordonatorului;<\/li>\n<li>Prezentarea, verificarea \u015fi \u00eenregistrarea ordinului r\u0103spuns al ofertantului v\u00e2nz\u0103tor;<\/li>\n<li>Desf\u0103\u015furarea \u015fedin\u0163ei de tranzac\u0163ionare;<\/li>\n<li>Semnarea contractelor de cesiune.<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>Avantajele V\u00c2NZ\u0102TORULUI unei crean\u0163e<\/strong>[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>Promovarea procedurii de v\u00e2nzare a crean\u0163ei;<\/li>\n<li>Posibilitatea v\u00e2nz\u0103rii de portofolii de crean\u0163e;<\/li>\n<li>Deductibilitatea fiscal\u0103.<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>Avantajele CUMP\u0102R\u0102TORULUI unei crean\u0163e<\/strong>[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>Stingerea datoriilor fa\u0163\u0103 de creditori;<\/li>\n<li>Plata unui pre\u0163 inferior valorii nominale a crean\u0163ei;<\/li>\n<li>Garan\u0163ia faptului c\u0103 respectiva crean\u0163\u0103 nu este grevat\u0103 de alte obliga\u0163ii de plat\u0103.<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>Caracteristicile tranzac\u0163ion\u0103rii la BRM &#8211; CUM se tranzac\u0163ioneaz\u0103?<\/strong><br \/>\n\u00cen tranzac\u0163ionarea crean\u0163elor se folose\u015fte:[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>licita\u0163ia olandez\u0103 (c\u00e2nd ordonatorul este v\u00e2nz\u0103tor), licit\u00e2ndu-se descresc\u0103tor procente;<\/li>\n<li>licita\u0163ia cu strigare (c\u00e2nd ordonatorul este cump\u0103r\u0103tor), licit\u00e2ndu-se cresc\u0103tor procente<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>Caracteristicile tranzac\u0163ion\u0103rii la BRM &#8211; CE se tranzac\u0163ioneaz\u0103?<\/strong>[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>Tranzac\u0163iile privind cesiunea de crean\u0163\u0103 au ca obiect crean\u0163a cert\u0103 lichid\u0103 \u015fi exigibil\u0103, al c\u0103rei cuantum include TVA \u015fi care este constatat\u0103 printr-o factur\u0103 acceptat\u0103<\/li>\n<li>Tranzac\u0163iile privind cesiunea de crean\u0163\u0103 pot avea ca obiect \u015fi p\u0103r\u0163i determinate din crean\u0163\u0103, precum \u015fi portofolii de crean\u0163e<\/li>\n<li>\u00cen prezent, NU se tranzac\u0163ioneaz\u0103 prin BRM, crean\u0163ele constituite ca garan\u0163ii, crean\u0163ele bugetare \u015fi crean\u0163ele reprezent\u00e2nd sume de rambursat\/restituit de la buget<\/li>\n<\/ul>\n<p><\/div>[vc_empty_space height=&#8221;20px&#8221;][vc_column_text]<strong>Ce ofer\u0103 BRM?<\/strong>[\/vc_column_text]<div class=\"q_list circle\">\n\t<\/p>\n<ul>\n<li>Transparen\u0163a \u015fi eficien\u0163a procedurilor de tranzac\u0163ionare;<\/li>\n<li>Tratamentul egal \u015fi protec\u0163ia participan\u0163ilor de pe pia\u0163\u0103;<\/li>\n<li>Publicitatea cererilor \u015fi ofertelor.<\/li>\n<\/ul>\n<p><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; padding_top=&#8221;70&#8243; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1582290868128{background-color: #ffffff !important;}&#8221;][vc_column width=&#8221;2\/3&#8243;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_column_text]Documente[\/vc_column_text][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; padding_bottom=&#8221;70&#8243; z_index=&#8221;&#8221; css=&#8221;.vc_custom_1582290891175{background-color: #ffffff !important;}&#8221; padding_top=&#8221;20&#8243;][vc_column][vc_empty_space height=&#8221;20px&#8221;][\/vc_column][\/vc_row][vc_row css_animation=&#8221;&#8221; row_type=&#8221;row&#8221; use_row_as_full_screen_section=&#8221;no&#8221; type=&#8221;grid&#8221; angled_section=&#8221;no&#8221; text_align=&#8221;left&#8221; background_image_as_pattern=&#8221;without_pattern&#8221; css=&#8221;.vc_custom_1582291181607{background-color: #f3f3f3 !important;}&#8221; z_index=&#8221;&#8221; padding_top=&#8221;70&#8243; padding_bottom=&#8221;70&#8243;][vc_column][vc_column_text] Participantii pe piata&#8230;<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full_width.php","meta":{"footnotes":""},"class_list":["post-19609","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/brm.ro\/en\/wp-json\/wp\/v2\/pages\/19609","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/brm.ro\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/brm.ro\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/brm.ro\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/brm.ro\/en\/wp-json\/wp\/v2\/comments?post=19609"}],"version-history":[{"count":0,"href":"https:\/\/brm.ro\/en\/wp-json\/wp\/v2\/pages\/19609\/revisions"}],"wp:attachment":[{"href":"https:\/\/brm.ro\/en\/wp-json\/wp\/v2\/media?parent=19609"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}