O contrato de factoring no Brasil
Autor(a) principal: | |
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Data de Publicação: | 2021 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Biblioteca Digital de Teses e Dissertações da PUC_SP |
Texto Completo: | https://repositorio.pucsp.br/jspui/handle/handle/24042 |
Resumo: | Considered an atypical contract, factoring is a highly relevant commercial activity in the Brazilian market, especially for micro, small and medium-sized companies. It is an alternative to those looking for quick working capital, since it allows the company to negotiate their credits, resulting from their sales or from the provision of term service with factor, so that he can pay him in cash. The factoring activity, mainly the conventional one, which is the most practiced in Brazil, may be accompanied by a provision of financial and administrative management services, in which the factor will also be able to provide the customer (the company selling its accounts receivables) with support services under credit analysis, with the selection of the best customers; organization of accounts payable and receivable; negotiation with suppliers, etc., becoming a partner of the company. The main controversy concerns the accountability of the company for the assigned credit. There are discussions related to the circularity of the credit contained in the invoice, whether via assignment or endorsement, and disagreements regarding the debtor's default. This is because the factor, when providing management services, is able to assess the profile of the assigned invoices. Therefore, it must bear responsibility for the debtor's insolvency. Furthermore, the risk is inherent to the factoring activity, as it is one of the main characteristics of the institute. However, there is a divergent understanding in the doctrine that, if the contract signed between the parties has a provision for the accountability of the company for default, supported by the autonomy of the will and legislative absence, that rule must be obeyed. Another approach is the question of responsibility for the existence of the assigned credit, in which the understanding prevails that, unlike to answering for the solvency of the title, it is the full responsibility of the company to guarantee the existence of the assigned credit, including in case of eviction and redhibitory defects |
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Waisberg, Ivohttp://lattes.cnpq.br/6230053113645423http://lattes.cnpq.br/5113794031935896Santos, Carla Bueno dos2021-11-23T21:16:25Z2021-11-23T21:16:25Z2021-02-03Santos, Carla Bueno dos. O contrato de factoring no Brasil. 2021. Dissertação (Mestrado em Direito) - Programa de Estudos Pós-Graduados em Direito da Pontifícia Universidade Católica de São Paulo, São Paulo, 2021.https://repositorio.pucsp.br/jspui/handle/handle/24042Considered an atypical contract, factoring is a highly relevant commercial activity in the Brazilian market, especially for micro, small and medium-sized companies. It is an alternative to those looking for quick working capital, since it allows the company to negotiate their credits, resulting from their sales or from the provision of term service with factor, so that he can pay him in cash. The factoring activity, mainly the conventional one, which is the most practiced in Brazil, may be accompanied by a provision of financial and administrative management services, in which the factor will also be able to provide the customer (the company selling its accounts receivables) with support services under credit analysis, with the selection of the best customers; organization of accounts payable and receivable; negotiation with suppliers, etc., becoming a partner of the company. The main controversy concerns the accountability of the company for the assigned credit. There are discussions related to the circularity of the credit contained in the invoice, whether via assignment or endorsement, and disagreements regarding the debtor's default. This is because the factor, when providing management services, is able to assess the profile of the assigned invoices. Therefore, it must bear responsibility for the debtor's insolvency. Furthermore, the risk is inherent to the factoring activity, as it is one of the main characteristics of the institute. However, there is a divergent understanding in the doctrine that, if the contract signed between the parties has a provision for the accountability of the company for default, supported by the autonomy of the will and legislative absence, that rule must be obeyed. Another approach is the question of responsibility for the existence of the assigned credit, in which the understanding prevails that, unlike to answering for the solvency of the title, it is the full responsibility of the company to guarantee the existence of the assigned credit, including in case of eviction and redhibitory defectsConsiderado como contrato atípico, o factoring é atividade mercantil de muita relevância no mercado brasileiro, principalmente para a micro, pequena e média empresa. É uma alternativa àquele que busca por capital de giro rápido, vez que possibilita ao faturizado negociar seus créditos, decorrentes de suas vendas ou de sua prestação de serviço a prazo com o faturizador, para que este lhe pague à vista. A atividade de factoring, principalmente a convencional, que é a mais praticada no Brasil, pode vir acompanhada de uma prestação de serviços de gestão financeira e administrativa, em que o faturizador, ainda, poderá prestar ao cliente (faturizado) serviços de apoio em análise de crédito, com a seleção de melhores clientes; organização de contas a pagar e a receber; negociação com fornecedores, etc., tornando-se um parceiro do faturizado. A principal controvérsia refere-se à responsabilização do faturizado pelo crédito cedido. Há discussões ligadas à circularidade do crédito contido no título, se via cessão ou endosso, e divergências quanto ao inadimplemento do devedor. Isso porque o faturizador, na prestação de serviços de gestão, tem condições de avaliar o perfil dos títulos fomentados. Portanto, deve arcar com a responsabilidade pela insolvência do devedor. Ademais, o risco é inerente à atividade de factoring, pois é uma das principais características do instituto. Porém, há entendimento divergente na doutrina, de que se há, no contrato celebrado entre as partes, previsão de responsabilização do faturizado pela inadimplência, amparada pela autonomia da vontade e ausência legislativa, referida regra tem de ser obedecida. Outra abordagem é a questão da responsabilidade pela existência do crédito cedido, em que predomina o entendimento de que, diferentemente de responder pela solvência do título, é de inteira responsabilidade do faturizado garantir a existência do crédito cedido, inclusive em caso de evicção e vícios redibitóriosporPontifícia Universidade Católica de São PauloPrograma de Estudos Pós-Graduados em DireitoPUC-SPBrasilFaculdade de DireitoCNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITOAtipicidadeContratosFactoringResponsabilidade pela solvênciaAtypicalityContracts. FactoringResponsibility for solvencyO contrato de factoring no Brasilinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da PUC_SPinstname:Pontifícia Universidade Católica de São Paulo (PUC-SP)instacron:PUC_SPORIGINALCarla Bueno dos Santos.pdfapplication/pdf996785https://repositorio.pucsp.br/xmlui/bitstream/handle/24042/1/Carla%20Bueno%20dos%20Santos.pdf862621ad6f36c8f6c7ab11d95f28f1a9MD51TEXTCarla Bueno dos Santos.pdf.txtCarla Bueno dos Santos.pdf.txtExtracted texttext/plain405944https://repositorio.pucsp.br/xmlui/bitstream/handle/24042/2/Carla%20Bueno%20dos%20Santos.pdf.txt4110794a2d6b111503280104072865d0MD52THUMBNAILCarla Bueno dos Santos.pdf.jpgCarla Bueno dos Santos.pdf.jpgGenerated Thumbnailimage/jpeg1152https://repositorio.pucsp.br/xmlui/bitstream/handle/24042/3/Carla%20Bueno%20dos%20Santos.pdf.jpg781617c790cc0635327461f555c3edcfMD53handle/240422022-06-30 16:39:58.708oai:repositorio.pucsp.br:handle/24042Biblioteca Digital de Teses e Dissertaçõeshttps://sapientia.pucsp.br/https://sapientia.pucsp.br/oai/requestbngkatende@pucsp.br||rapassi@pucsp.bropendoar:2022-06-30T19:39:58Biblioteca Digital de Teses e Dissertações da PUC_SP - Pontifícia Universidade Católica de São Paulo (PUC-SP)false |
dc.title.pt_BR.fl_str_mv |
O contrato de factoring no Brasil |
title |
O contrato de factoring no Brasil |
spellingShingle |
O contrato de factoring no Brasil Santos, Carla Bueno dos CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO Atipicidade Contratos Factoring Responsabilidade pela solvência Atypicality Contracts. Factoring Responsibility for solvency |
title_short |
O contrato de factoring no Brasil |
title_full |
O contrato de factoring no Brasil |
title_fullStr |
O contrato de factoring no Brasil |
title_full_unstemmed |
O contrato de factoring no Brasil |
title_sort |
O contrato de factoring no Brasil |
author |
Santos, Carla Bueno dos |
author_facet |
Santos, Carla Bueno dos |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Waisberg, Ivo |
dc.contributor.advisor1Lattes.fl_str_mv |
http://lattes.cnpq.br/6230053113645423 |
dc.contributor.authorLattes.fl_str_mv |
http://lattes.cnpq.br/5113794031935896 |
dc.contributor.author.fl_str_mv |
Santos, Carla Bueno dos |
contributor_str_mv |
Waisberg, Ivo |
dc.subject.cnpq.fl_str_mv |
CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO |
topic |
CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO Atipicidade Contratos Factoring Responsabilidade pela solvência Atypicality Contracts. Factoring Responsibility for solvency |
dc.subject.por.fl_str_mv |
Atipicidade Contratos Factoring Responsabilidade pela solvência |
dc.subject.eng.fl_str_mv |
Atypicality Contracts. Factoring Responsibility for solvency |
description |
Considered an atypical contract, factoring is a highly relevant commercial activity in the Brazilian market, especially for micro, small and medium-sized companies. It is an alternative to those looking for quick working capital, since it allows the company to negotiate their credits, resulting from their sales or from the provision of term service with factor, so that he can pay him in cash. The factoring activity, mainly the conventional one, which is the most practiced in Brazil, may be accompanied by a provision of financial and administrative management services, in which the factor will also be able to provide the customer (the company selling its accounts receivables) with support services under credit analysis, with the selection of the best customers; organization of accounts payable and receivable; negotiation with suppliers, etc., becoming a partner of the company. The main controversy concerns the accountability of the company for the assigned credit. There are discussions related to the circularity of the credit contained in the invoice, whether via assignment or endorsement, and disagreements regarding the debtor's default. This is because the factor, when providing management services, is able to assess the profile of the assigned invoices. Therefore, it must bear responsibility for the debtor's insolvency. Furthermore, the risk is inherent to the factoring activity, as it is one of the main characteristics of the institute. However, there is a divergent understanding in the doctrine that, if the contract signed between the parties has a provision for the accountability of the company for default, supported by the autonomy of the will and legislative absence, that rule must be obeyed. Another approach is the question of responsibility for the existence of the assigned credit, in which the understanding prevails that, unlike to answering for the solvency of the title, it is the full responsibility of the company to guarantee the existence of the assigned credit, including in case of eviction and redhibitory defects |
publishDate |
2021 |
dc.date.accessioned.fl_str_mv |
2021-11-23T21:16:25Z |
dc.date.available.fl_str_mv |
2021-11-23T21:16:25Z |
dc.date.issued.fl_str_mv |
2021-02-03 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.citation.fl_str_mv |
Santos, Carla Bueno dos. O contrato de factoring no Brasil. 2021. Dissertação (Mestrado em Direito) - Programa de Estudos Pós-Graduados em Direito da Pontifícia Universidade Católica de São Paulo, São Paulo, 2021. |
dc.identifier.uri.fl_str_mv |
https://repositorio.pucsp.br/jspui/handle/handle/24042 |
identifier_str_mv |
Santos, Carla Bueno dos. O contrato de factoring no Brasil. 2021. Dissertação (Mestrado em Direito) - Programa de Estudos Pós-Graduados em Direito da Pontifícia Universidade Católica de São Paulo, São Paulo, 2021. |
url |
https://repositorio.pucsp.br/jspui/handle/handle/24042 |
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por |
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por |
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info:eu-repo/semantics/openAccess |
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openAccess |
dc.publisher.none.fl_str_mv |
Pontifícia Universidade Católica de São Paulo |
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Programa de Estudos Pós-Graduados em Direito |
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PUC-SP |
dc.publisher.country.fl_str_mv |
Brasil |
dc.publisher.department.fl_str_mv |
Faculdade de Direito |
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Pontifícia Universidade Católica de São Paulo |
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