Cessão Financeira UBB, specifically referring to *Cessão Financeira com Transmissão de Crédito*, is a financial operation common in Brazil, offered by banks like UBB (likely referring to a specific União Brasileira de Bancos, if it exists as a current entity, or generally a Brazilian bank). It essentially involves the transfer of credit rights from one entity (the cedente, or assignor) to another (the cessionário, or assignee, usually the bank). The assignor is selling their right to receive payment from a debtor to the bank, typically at a discount.
Think of it as factoring, but with specific legal nuances and documentation under Brazilian law. A company, for example, has outstanding invoices from its clients. Instead of waiting for the clients to pay, the company can sell those invoices to UBB through a Cessão Financeira. UBB provides immediate cash to the company (the cedente), minus a discount representing the bank’s fee and risk premium. UBB then assumes the responsibility of collecting the payments from the original clients (the debtors).
The key difference between *cessão* and other forms of credit operations, like factoring, lies in the legal transfer of ownership of the credit rights. In *cessão*, the credit right itself is fully transferred. This means UBB legally owns the right to collect the receivables. This is crucial because it gives UBB more robust legal standing in case of non-payment by the debtor. This distinction can impact the risk assessment and pricing of the operation.
The process usually involves these steps:
- Assessment: The assignor (the company) provides UBB with details of the credit rights (invoices, contracts, etc.). UBB assesses the creditworthiness of the debtors and the overall risk associated with the receivables.
- Negotiation: UBB and the assignor negotiate the discount rate, which determines the amount the assignor will receive upfront. This rate depends on various factors, including the debtors’ credit ratings, the payment terms of the receivables, and the overall economic climate.
- Documentation: A *Contrato de Cessão de Crédito* (Credit Assignment Agreement) is drafted and signed. This legally transfers the credit rights from the assignor to UBB. This contract needs to be carefully reviewed to understand all the terms and conditions.
- Notification: While not always mandatory, it’s common practice to notify the debtors about the *cessão*. This ensures they know to direct their payments to UBB instead of the original creditor (the assignor).
- Collection: UBB becomes responsible for collecting the payments from the debtors according to the agreed-upon terms.
For the assignor, the benefits of a Cessão Financeira UBB include immediate access to working capital, improved cash flow, reduced administrative burden (as UBB handles the collection process), and potentially better financial ratios (depending on how the transaction is structured and accounted for). However, it comes at the cost of a discount on the receivables.
For UBB, the benefit is earning a profit from the discount rate and the potential interest earned on the receivables. The risk lies in the possibility of debtors defaulting on their payments, requiring the bank to pursue legal action.
In conclusion, Cessão Financeira UBB is a specialized financial operation that allows companies to monetize their receivables quickly and efficiently. Understanding the legal implications and the specific terms of the *Contrato de Cessão de Crédito* is crucial for both the assignor and the bank.
0 x 0 cessao de credito youtube from www.youtube.com 
0 x 0 descubra cessao de creditos itapeva youtube from www.youtube.com