TFL Vsebine / Pravni letopis

Poslovna praksa terja uporabo različnih instrumentov zavarovanj obveznosti. S tem se okrepi upnikov položaj v primeru neplačevitosti dolžnika, zlasti v primeru stečaja ali izvršbe. Nekateri instrumenti zavarovanj so izrazito akcesorne narave (zastava terjatev), medtem ko drugi predstavljajo tipične neakcesorne modele zavarovanj (odstop terjatev v zavarovanje). Avtor primerja odstop terjatev v zavarovanje in zastavo terjatev. Poznavanje pravne narave obravnavanih instrumentov pa je več kot nujno za ustrezno izbiro in uporabo posameznih modelov v praksi.

The application of various instruments of collateral is required in business practice to strengthen the position of creditors in the event of default by debtors, and in particular in bankruptcy or execution. Some collateral instruments are of a highly accessory nature (pledge of receivables), while others constitute typical non-accessory collateral models (assignment of receivables by way of security). The author compares the assignment of receivables by way of security and pledged receivables. Understanding the above mentioned legal nature of the instruments is more than necessary for adequate selection and use of specific models in practice.

Assignment of Receivables by Way of Security and Pledge of Receivables