{"id":1168,"date":"2021-06-22T10:39:14","date_gmt":"2021-06-22T10:39:14","guid":{"rendered":"http:\/\/beta.oceantransport.es\/?page_id=1168"},"modified":"2021-08-05T10:34:38","modified_gmt":"2021-08-05T10:34:38","slug":"tipus-de-carta-de-credit","status":"publish","type":"page","link":"https:\/\/www.oceantransport.es\/ca\/tipus-de-carta-de-credit\/","title":{"rendered":"Tipus de carta de cr\u00e8dit"},"content":{"rendered":"

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” css=”.vc_custom_1628159674986{background-image: url(http:\/\/beta.oceantransport.es\/wp-content\/uploads\/2021\/08\/shutterstock_651186937.jpg?id=2008) !important;}” z_index=”” el_class=”cabecera”][vc_column][vc_empty_space height=”space_150″ el_class=”space_150″][vc_empty_space height=”space_150″ el_class=”space_150″][vc_empty_space height=”space_150″ el_class=”space_150″][\/vc_column][\/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=””][vc_column][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text]<\/p>\n

<\/i> Tornar<\/a><\/p>\n

[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=”bloque_titulo_cabecera_servicio”]<\/p>\n

Tipus de carta de cr\u00e8dit<\/h1>\n

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QU\u00c8 \u00c9S?<\/strong><\/h4>\n

\u00c9s un mitj\u00e0 de pagament em\u00e8s generalment per un banc en operacions de compravenda de mercaderies o b\u00e9ns. S\u2019acostumen a utilitzar en transaccions de compravenda internacional.<\/p>\n

En aquesta modalitat de pagament, els drets i les obligacions no es deriven del contracte subjacent sin\u00f3 que es paguen en funci\u00f3 dels documents establerts.<\/p>\n

A l\u2019importador li permet assegurar que la mercaderia s\u2019entregar\u00e0 conforme als termes previstos i a l\u2019exportador li permet assegurar el cobrament.<\/p>\n

TIPOLOGIES M\u00c9S HABITUALS<\/strong><\/h3>\n

Revocable<\/strong><\/h4>\n

Pot ser modificat o cancel\u00b7lat pel banc emissor en qualsevol moment i sense previ av\u00eds pel beneficiari. Ofereix poca seguretat ja que un cop iniciat el proc\u00e9s de fabricaci\u00f3 pot veure\u2019s sorpr\u00e8s per una cancel\u00b7laci\u00f3 o modificaci\u00f3.<\/p>\n

Irrevocable<\/strong><\/h4>\n

El banc emissor es compromet de forma irrevocable davant el beneficiari a efectuar el pagament o la prestaci\u00f3 acordada en el condicionat del cr\u00e8dit, sempre que es compleixin totes les condicions establertes al mateix. Nom\u00e9s pot ser modificat o cancel\u00b7lat a petici\u00f3 de l\u2019ordenant i amb el consentiment del banc emissor, del banc confirmador i del beneficiari.<\/p>\n

Rotatiu (revolving)<\/strong><\/h4>\n

El cr\u00e8dit es renova autom\u00e0ticament amb la seva utilitzaci\u00f3 (en els mateixos termes i condicions) tantes vegades com el cr\u00e8dit ho especifiqui. S\u2019utilitza quan el comprador \u00e9s un client habitual i regular de l\u2019exportador. Pot ser acumulatiu si l\u2019import no utilitzat s\u2019acumula pel proper per\u00edode; en cas contrari ser\u00e0 no acumulatiu, quedant anul\u00b7lades les quantitats no utilitzades.<\/p>\n

Amb bestretes<\/strong><\/h4>\n

Permet a l\u2019exportador beneficiar-se d\u2019una bestreta total o parcial de l\u2019import del cr\u00e8dit. Pot ser de cl\u00e0usula vermella (Red Clause Credit) o de cl\u00e0usula verda (Green Clause Credit).<\/p>\n

Back to back<\/strong><\/h4>\n

Si el beneficiari del cr\u00e8dit no \u00e9s el prove\u00efdor final del producte i el cr\u00e8dit rebut no \u00e9s transferible, l\u2019exportador pot sol\u00b7licitar al seu banc que emeti un nou cr\u00e8dit subordinat al primer. S\u00f3n dos cr\u00e8dits independents (difer\u00e8ncia del transferible), sent el segon a favor del prove\u00efdor final que subministra parcial o totalment la mercaderia a exportar.<\/p>\n

Stand by<\/strong><\/h4>\n

S\u2019utilitza com un substitut de l\u2019aval. Es pot utilitzar en qualsevol tipus de transacci\u00f3 i es basa en el concepte d\u2019incompliment del cr\u00e8dit per part de l\u2019ordenant. El beneficiari podr\u00e0 disposar de l\u2019import del cr\u00e8dit en cas d\u2019incompliment contractual d\u2019una obligaci\u00f3 per part de l\u2019ordenant.<\/p>\n

PARTS QUE HI INTERVENEN<\/strong><\/h3>\n

Ordenant<\/strong><\/h4>\n

Persona f\u00edsica o jur\u00eddica que sol\u00b7licita al seu banc l\u2019obertura del cr\u00e8dit, fixant les condicions d\u2019utilitzaci\u00f3 del mateix. Es compromet a fer front als pagaments derivats de la utilitzaci\u00f3 del cr\u00e8dit, sempre i quan es compleixin les condicions acordades.<\/p>\n

Banc emissor o banc ordenant<\/strong><\/h4>\n

Banc escollit pel comprador que procedeix a l\u2019obertura del cr\u00e8dit. L\u2019obertura es materialitza amb la comunicaci\u00f3 amb el condicionat del cr\u00e8dit per part del banc emissor al banc avisador.<\/p>\n

Banc notificador o banc avisador<\/strong><\/h4>\n

Banc corresponsal del banc emissor al pa\u00eds exportador. Avisa al beneficiari de l\u2019obertura del cr\u00e8dit i de les seves condicions sens establir cap altre comprom\u00eds que el de la simple notificaci\u00f3.<\/p>\n

Beneficiari<\/strong><\/h4>\n

Persona f\u00edsica o jur\u00eddica a la qual s\u2019emet el cr\u00e8dit al seu favor i que pot exigir el pagament del banc emissor o al banc pagador un cop hagi complert amb les condicions estipulades al cr\u00e8dit.<\/p>\n

Banc Confirmador<\/strong><\/h4>\n

Banc que garanteix el pagament per part del banc emissor. Interv\u00e9 quan el banc emissor inclou en les condicions del cr\u00e8dit l\u2019autoritzaci\u00f3 o petici\u00f3 al banc avisador per tal que confirmi el cr\u00e8dit. Si accedeix a aquesta sol\u00b7licitud (no hi est\u00e0 obligat), el banc avisador es converteix aix\u00ed mateix en un banc confirmador, informant d\u2019aix\u00f2 al beneficiari i assumint davant del mateix els mateixos compromisos que el banc emissor.<\/p>\n

Banc Designat<\/strong><\/h4>\n

Banc que normalment \u00e9s al mateix pa\u00eds exportador. Rep el mandat del banc emissor per pagar o comprometre\u2019s al pagament al venciment contra la prestaci\u00f3 de documents conformes amb els termes i condicions del cr\u00e8dit.<\/p>\n

\u00a0<\/strong>[\/vc_column_text][vc_empty_space height=”space_20″ el_class=”space_20″][\/vc_column][\/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_empty_space height=”space_100″ el_class=”space_150″][\/vc_column][\/vc_row]<\/p>\n","protected":false},"excerpt":{"rendered":"

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” css=”.vc_custom_1628159674986{background-image: url(http:\/\/beta.oceantransport.es\/wp-content\/uploads\/2021\/08\/shutterstock_651186937.jpg?id=2008) !important;}” z_index=”” el_class=”cabecera”][vc_column][vc_empty_space height=”space_150″ el_class=”space_150″][vc_empty_space height=”space_150″ el_class=”space_150″][vc_empty_space height=”space_150″ el_class=”space_150″][\/vc_column][\/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=””][vc_column][vc_row_inner row_type=”row” type=”full_width” text_align=”left” css_animation=””][vc_column_inner][vc_column_text] Tornar [\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_column_text el_class=”bloque_titulo_cabecera_servicio”] Tipus de carta de cr\u00e8dit [\/vc_column_text][vc_column_text el_class=”bloque_texto_cabecera_info_util”] QU\u00c8 \u00c9S? \u00c9s un<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"full_width.php","meta":[],"yoast_head":"\nTipus de carta de cr\u00e8dit - OCEAN TRANSPORT<\/title>\n<meta name=\"description\" content=\"Tornar Tipus de carta de cr\u00e8dit QU\u00c8 \u00c9S? \u00c9s un mitj\u00e0 de pagament em\u00e8s generalment per un banc en operacions de compravenda de mercaderies o b\u00e9ns.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oceantransport.es\/ca\/tipus-de-carta-de-credit\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tipus de carta de cr\u00e8dit - OCEAN TRANSPORT\" \/>\n<meta property=\"og:description\" content=\"Tornar Tipus de carta de cr\u00e8dit QU\u00c8 \u00c9S? \u00c9s un mitj\u00e0 de pagament em\u00e8s generalment per un banc en operacions de compravenda de mercaderies o b\u00e9ns.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.oceantransport.es\/ca\/tipus-de-carta-de-credit\/\" \/>\n<meta property=\"og:site_name\" content=\"OCEAN TRANSPORT\" \/>\n<meta property=\"article:modified_time\" content=\"2021-08-05T10:34:38+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.oceantransport.es\/ca\/tipus-de-carta-de-credit\/\",\"url\":\"https:\/\/www.oceantransport.es\/ca\/tipus-de-carta-de-credit\/\",\"name\":\"Tipus de carta de cr\u00e8dit - OCEAN TRANSPORT\",\"isPartOf\":{\"@id\":\"https:\/\/www.oceantransport.es\/ca\/#website\"},\"datePublished\":\"2021-06-22T10:39:14+00:00\",\"dateModified\":\"2021-08-05T10:34:38+00:00\",\"description\":\"Tornar Tipus de carta de cr\u00e8dit QU\u00c8 \u00c9S? 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