What is a Bank guarantee? Examples of application of Bank guarantees under article 44-Federal law
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- čas přidán 20. 11. 2019
- Get a Bank guarantee - etpcfo.ru. We will tell you what a Bank guarantee is, and how we use a Bank guarantee participating in public procurement under 44-FZ. Please note that the first two examples relate exclusively to Bank guarantees for public procurement and relate to:
- Bank guarantee on 44 Federal law;
- Bank guarantee under Federal law 223;
And the third example is related exclusively to commercial banking
guarantees'. And they will not be distributed on 44 Federal laws and 223 Federal laws.
The first example relates to a Bank guarantee for participation in a tender. In this case, the state requires you to provide security for admission to public procurement. If you do not provide the appropriate security or guarantee from the Bank, the state will not allow You to participate in the purchase. This security is necessary for the state to be sure that you will enter into a state contract after winning the tender, because if you do not, they will have to conduct public procurement again.
The second example concerns a Bank guarantee to secure the performance of a contract. You win the tender and before entering into a state contract with You for performance, the state asks for a guarantee from You (they have the right to ask for up to 30% of the contract value). Money to make such an amount is very expensive, so most often a guarantee is provided from the Bank. This guarantee will confirm the integrity of your company, because if you do not fulfill the contract, the state will present this guarantee to the Bank and receive the same 30% of the contract amount. And your company will be sent to the register of unfair suppliers.
The third example concerns a commercial purchase. You deliver the product and understand that your counterparty (the company that you supply the product to) is unreliable (may cheat), or is in financial difficulties (may simply not pay for the product). Therefore, you ask them for a Bank guarantee for the delivery (you must take the full amount of the goods you deliver). If you deliver the product and You do not get paid, you will simply receive the cost of Your product in the Bank. The risk is minimal.
A specific example of calculating the cost of a Bank guarantee is provided based on Federal law 44. Imagine that You won a tender for 10,000,000 rubles. For example, the delivery of a product and the delivery period is 2 months. The state requires you to guarantee 30 % of the contract value. This means that the Bank guarantee must be for 3,000,000 rubles. You contact the Bank and ask for a Bank guarantee on these terms. The Bank will charge you approximately 47,000 rubles for issuing it. Agree, this is much more profitable than giving 3 000 000 for 2 months to the state. After all, you will use this money to fulfill the contract. 3 000 000 - 47 000 = 2 953 000 RUB. Even if you put 2,953,000 in the Bank at interest, you will get more benefits.
The video explains what a Bank guarantee is based on specific examples. Bank guarantee for participation in the tender, Bank guarantee for the execution of the contract and Bank guarantee for the delivery of goods.
#Bank guarantee #bank_arantee #BG #security
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В целом все понятно. Спасибо за видео. Хотелось бы более детального рассмотрения каждого вида гарантий. И ещё процедуру оформления можете рассказать?
Спасибо!
Полезное было послушать!
Спасибо!
Спасибо! Было информативно
Вам спасибо!
Спасибо! Коротко и ясно
Это Вам большое спасибо, что смотрите:)
А где ссылка на сайт по другим видео??
Добавили под видео:)
Не ясно с постащиком. Т.е я-поставщик, за свои деньги должен закупиться на заводе,привезти покупателю,а потом только получить деньги от банка? В итоге я в любом случае вовлекаю свои деньги. Или есть еще варианты?
Не вовлекать свои деньги можно только если вам дадут аванс. Других вариантов нет
Всё умно!Но!Я сделал работу,а заказчик не подписывает акты и в итоге поставщик в жопе,а все остальные в плюсах.То есть поставщик никак не защищён.Вообще! приведите пример,если выиграл контракт и говорю заказчику дать банковскую гарантию мне?Полный бред!!!!!!!!
Добрый день! С радостью отвечу на Ваш вопрос, но, к сожалению, не совсем его понял. Можете его перефразировать?