{"id":4088,"date":"2024-05-20T05:48:56","date_gmt":"2024-05-20T03:48:56","guid":{"rendered":"https:\/\/transcash.eu\/factoring-si-siguranta-financiara-cum-sa-eviti-riscul\/"},"modified":"2025-09-23T15:25:53","modified_gmt":"2025-09-23T13:25:53","slug":"factoring-si-siguranta-financiara-cum-sa-eviti-riscul","status":"publish","type":"post","link":"https:\/\/transcash.eu\/ro\/blog\/factoring-ro\/factoring-si-siguranta-financiara-cum-sa-eviti-riscul\/","title":{"rendered":"Factoring \u0219i siguran\u021ba financiar\u0103: Cum s\u0103 evi\u021bi riscul?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Factoringul \u00ee\u021bi permite s\u0103 \u00ee\u021bi cre\u0219ti siguran\u021ba financiar\u0103. Datorit\u0103 acestuia, prime\u0219ti plata pentru transportul efectuat la un moment convenabil pentru tine, ceea ce ajut\u0103 la men\u021binerea lichidit\u0103\u021bii financiare \u0219i la achitarea obliga\u021biilor la timp. Cu toate acestea, finan\u021barea facturilor nu este lipsit\u0103 de riscuri, care sunt legate de comportamentul partenerului t\u0103u, mai exact de seriozitatea acestuia \u00een efectuarea pl\u0103\u021bilor.  <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Factoringul pe scurt<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Factoringul \u00ee\u021bi permite s\u0103 ob\u021bii bani din factura emis\u0103 chiar \u00een aceea\u0219i zi, f\u0103r\u0103 a fi nevoie s\u0103 a\u0219tep\u021bi c\u00e2teva zile sau s\u0103pt\u0103m\u00e2ni. Entitatea care finan\u021beaz\u0103 este factorul, care prime\u0219te rambursarea de la pl\u0103titorul ini\u021bial al facturii. Procesul de finan\u021bare decurge f\u0103r\u0103 probleme, at\u00e2ta timp c\u00e2t partenerul respectiv este serios \u0219i nu \u00eent\u00e2rzie cu plata. Dac\u0103 acesta \u00eent\u00e2rzie, trebuie s\u0103 se confrunte cu recuperarea crean\u021belor. Dac\u0103 crean\u021bele nu pot fi recuperate, factorul poate solicita clientului returnarea fondurilor pl\u0103tite.    <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Ce este regresul?<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Aceast\u0103 situa\u021bie poate ap\u0103rea dac\u0103 alegi factoringul cu regres. Regresul \u00eenseamn\u0103 necesitatea return\u0103rii banilor factorului, dac\u0103 acesta nu \u00eei prime\u0219te de la partenerul t\u0103u. Aceast\u0103 variant\u0103 de factoring implic\u0103 o tax\u0103 mai mic\u0103, dar \u0219i un risc mai mare. Factoringul cu regres este cel mai bine utilizat \u00een cazul partenerilor verifica\u021bi \u0219i de \u00eencredere, a c\u0103ror solvabilitate nu ridic\u0103 semne de \u00eentrebare.   <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Factoringul sigur, f\u0103r\u0103 regres<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">Pentru a evita riscurile asociate cu finan\u021barea facturilor, alege un serviciu care include protec\u021bie \u00eempotriva insolven\u021bei partenerului, de exemplu, sub forma unei asigur\u0103ri. \u00cen acest caz, vorbim de factoring f\u0103r\u0103 regres, ceea ce \u00eenseamn\u0103 c\u0103 factorul, adic\u0103 entitatea care finan\u021beaz\u0103, nu \u00ee\u021bi va cere returnarea banilor dac\u0103 nu prime\u0219te plata de la pl\u0103titorul ini\u021bial al facturii. <\/p>\n\n<p class=\"wp-block-paragraph\">Serviciul de factoring f\u0103r\u0103 regres include asigurarea crean\u021belor, oferit\u0103 contra unei taxe suplimentare. Datorit\u0103 acesteia, \u00een caz de insolven\u021b\u0103 a partenerului, fondurile vor fi returnate de c\u0103tre compania de asigur\u0103ri. Plata se face conform condi\u021biilor specificate \u00een contract. Aceste condi\u021bii determin\u0103 dac\u0103 va fi rambursat\u0103 \u00eentreaga sum\u0103 sau doar o parte din aceasta \u0219i \u00een ce circumstan\u021be este justificat\u0103 plata.   <\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Protec\u021bia \u00eempotriva insolven\u021bei la Transcash<\/strong><\/h2>\n\n<p class=\"wp-block-paragraph\">La Transcash, oferim <a href=\"https:\/\/transcash.eu\/faktoring\/pelny-faktoring\/\">factoring complet<\/a> f\u0103r\u0103 regres. Acest serviciu permite finan\u021barea \u00eentregii rela\u021bii cu un partener sau parteneri selecta\u021bi, ceea ce \u00eenseamn\u0103 toate facturile emise c\u0103tre ace\u0219tia \u00een cadrul unui plafon stabilit \u00een prealabil. Astfel, nu trebuie s\u0103 te \u00eengrijorezi cu privire la primirea pl\u0103\u021bii la timp, deoarece toate fondurile vor ajunge \u00een contul t\u0103u imediat dup\u0103 emiterea facturii. \u00cen acela\u0219i timp, acest serviciu include posibilitatea asigur\u0103rii, ceea ce \u00eenseamn\u0103 c\u0103 Transcash \u00ee\u0219i asum\u0103 riscul de insolven\u021b\u0103 a partenerului. Prin urmare, serviciul de factoring complet cu asigurare este un produs care garanteaz\u0103 siguran\u021ba finan\u021belor tale \u0219i men\u021binerea lichidit\u0103\u021bii financiare indiferent de circumstan\u021be.    <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Factoringul \u00ee\u021bi permite s\u0103 \u00ee\u021bi cre\u0219ti siguran\u021ba financiar\u0103. Datorit\u0103 acestuia, prime\u0219ti plata pentru transportul efectuat la un moment convenabil pentru tine, ceea ce ajut\u0103 la men\u021binerea lichidit\u0103\u021bii financiare \u0219i la achitarea obliga\u021biilor la timp. Cu toate acestea, finan\u021barea facturilor nu este lipsit\u0103 de riscuri, care sunt legate de comportamentul partenerului t\u0103u, mai exact de seriozitatea [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":6198,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[91],"tags":[92,101],"class_list":["post-4088","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-factoring-ro","tag-circuit-financiar","tag-factoringul"],"meta_box":{"file_61tel7zijht":[]},"_links":{"self":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts\/4088","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/comments?post=4088"}],"version-history":[{"count":1,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts\/4088\/revisions"}],"predecessor-version":[{"id":8054,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/posts\/4088\/revisions\/8054"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/media\/6198"}],"wp:attachment":[{"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/media?parent=4088"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/categories?post=4088"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/transcash.eu\/ro\/wp-json\/wp\/v2\/tags?post=4088"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}