{"id":5166,"date":"2024-07-23T17:06:43","date_gmt":"2024-07-23T14:06:43","guid":{"rendered":"https:\/\/weagro.ua\/blog\/factoringul-si-operatiunile-de-factoring-ce-sunt-si-cum-functioneaza-in-ucraina\/"},"modified":"2026-03-24T07:51:22","modified_gmt":"2026-03-24T05:51:22","slug":"factoringul-si-operatiunile-de-factoring-ce-sunt-si-cum-functioneaza-in-ucraina","status":"publish","type":"post","link":"https:\/\/weagro.ua\/ro\/blog\/factoringul-si-operatiunile-de-factoring-ce-sunt-si-cum-functioneaza-in-ucraina\/","title":{"rendered":"Factoringul \u0219i opera\u021biunile de factoring: ce sunt \u0219i cum func\u021bioneaz\u0103 \u00een Ucraina"},"content":{"rendered":"<p>Factoringul este un serviciu financiar cunoscut companiilor ucrainene \u00eenc\u0103 de la \u00eenceputul anilor &#8217;90. Dar, spre deosebire de \u021b\u0103rile europene, unde opera\u021biunile de factoring reprezint\u0103 \u00eentre 11 \u0219i 15% din PIB, \u00een Ucraina, conform datelor din 2022, acestea r\u0103m\u00e2n la nivelul de 0,4%. <\/p>\n\n<p>De ce opera\u021biunile de factoring merit\u0103 o aten\u021bie special\u0103, cum cresc eficien\u021ba afacerii \u0219i ce rol joac\u0103 serviciul <a href=\"https:\/\/weagro.ua\/ro\/\">WEAGRO<\/a> \u00een acest proces financiar &#8211; vom \u00eencerca s\u0103 \u00een\u021belegem \u00eempreun\u0103.<\/p>\n\n<h2 class=\"wp-block-heading\">Ce este factoringul<\/h2>\n\n<p>Factoringul este o modalitate de finan\u021bare a unei companii de c\u0103tre o banc\u0103 sau o institu\u021bie financiar\u0103 (factori), care cump\u0103r\u0103 crean\u021bele acesteia la un pre\u021b redus \u0219i a\u0219teapt\u0103 achitarea obliga\u021biilor financiare conform termenului de plat\u0103 am\u00e2nat.<\/p>\n\n<p>\u00cen termeni simpli, compania furnizoare \u00ee\u0219i vinde factorului facturile nepl\u0103tite \u0219i prime\u0219te rapid suma prev\u0103zut\u0103, pe care ar fi trebuit s\u0103 o pl\u0103teasc\u0103 cump\u0103r\u0103torul. Dar nu \u00een totalitate, ci dup\u0103 deducerea comisionului. Aici se \u00eencheie interac\u021biunea dintre v\u00e2nz\u0103tor \u0219i cump\u0103r\u0103tor, iar locul furnizorului este preluat de factor, a c\u0103rui sarcin\u0103 este s\u0103 a\u0219tepte plata conform contractului de v\u00e2nzare-cump\u0103rare.  <\/p>\n\n<p>Prin urmare, compania de factoring este un intermediar \u00eentre companii \u0219i debitorii lor, care asigur\u0103 finan\u021barea \u0219i gestionarea datoriilor.<\/p>\n\n<p>Un astfel de intermediar, care permite cump\u0103r\u0103torului \u0219i furnizorului s\u0103 \u00eencheie un contract de v\u00e2nzare-cump\u0103rare cu plata am\u00e2nat\u0103, este serviciul nostru WEAGRO. Sistemul s\u0103u bine g\u00e2ndit ia \u00een considerare specificul afacerilor agricole \u0219i ofer\u0103 cele mai avantajoase condi\u021bii pentru cump\u0103rarea-v\u00e2nzarea bunurilor \u00een rate. <\/p>\n\n<p>Pentru a ob\u021bine plata \u00een rate, cump\u0103r\u0103torul trebuie s\u0103 efectueze ac\u021biuni simple:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>S\u0103 completeze cererea de \u00eenregistrare pe serviciul WEAGRO<\/li>\n\n\n\n<li>S\u0103 primeasc\u0103 calculul individual al sumei ratelor <\/li>\n\n\n\n<li>S\u0103 comande produsul dorit pe site-ul furnizorului <\/li>\n\n\n\n<li>S\u0103 semneze contractul de v\u00e2nzare-cump\u0103rare cu op\u021biunea de plat\u0103 \u00een rate \u0219i s\u0103 pl\u0103teasc\u0103 conform graficului. <\/li>\n<\/ol>\n\n<p>Dup\u0103 trimiterea cererii, \u00een 30 de minute ve\u021bi primi decizia, dup\u0103 care se va semna contractul \u0219i se vor transfera banii \u00een contul v\u00e2nz\u0103torului, iar cump\u0103r\u0103torul va pl\u0103ti \u00een rate conform graficului de plat\u0103. <\/p>\n\n<h3 class=\"wp-block-heading\" id=\"endpoint_2\">Conceptul opera\u021biunilor de factoring<\/h3>\n\n<p>Opera\u021biunile de factoring sunt tranzac\u021bii financiare \u00een care o companie (v\u00e2nz\u0103torul) \u00ee\u0219i vinde crean\u021bele (facturile) c\u0103tre o companie de factoring (factor) cu deducerea comisionului<\/p>\n\n<p>S\u0103 analiz\u0103m cum se desf\u0103\u0219oar\u0103 opera\u021biunile de factoring folosind exemplul serviciului WEAGRO.<\/p>\n\n<p>S\u0103 presupunem c\u0103 compania \u201eAlfa&#8221; dore\u0219te s\u0103 v\u00e2nd\u0103 produse clientului s\u0103u (fermier) \u00een condi\u021bii de credit comercial de 90 de zile \u00een valoare de 450.000 UAH, dar \u00een acela\u0219i timp are nevoie de fonduri pentru a-\u0219i sus\u021bine activitatea curent\u0103. Prin urmare, se adreseaz\u0103 WEAGRO pentru a \u00eencheia un contract de v\u00e2nzare-cump\u0103rare \u00een rate cu fermierul \u0219i pentru a primi plata \u00een ziua semn\u0103rii acordului.<\/p>\n\n<p>Pentru a ob\u021bine plata \u00een rate, este necesar: <\/p>\n\n<ol class=\"wp-block-list\">\n<li>\u201eAlfa&#8221; furnizeaz\u0103 codul EDRPOU sau IPN al cump\u0103r\u0103torului.<\/li>\n\n\n\n<li>WEAGRO proceseaz\u0103 cererea \u0219i aprob\u0103 plata \u00een rate pentru cump\u0103r\u0103tor. <\/li>\n\n\n\n<li>Alfa \u0219i cump\u0103r\u0103torul semneaz\u0103 contractul de v\u00e2nzare-cump\u0103rare \u00een rate. Factorul (WEAGRO) ofer\u0103 companiei \u201eAlfa&#8221; banii dup\u0103 deducerea comisionului din sum\u0103, iar fermierului \u00eei trimite notificarea cu noile detalii bancare pentru plata produsului.  <\/li>\n<\/ol>\n\n<p>\u201eAlfa&#8221; prime\u0219te banii imediat, f\u0103r\u0103 a a\u0219tepta plata de la partenerii s\u0103i. Fermierul are posibilitatea s\u0103 pl\u0103teasc\u0103 cu am\u00e2nare \u0219i s\u0103-\u0219i planifice \u0219i distribuie cheltuielile f\u0103r\u0103 a-\u0219i pierde lichiditatea. Astfel, factoringul de la WEAGRO pentru v\u00e2nz\u0103tor este o modalitate convenabil\u0103 \u0219i accesibil\u0103 de a primi plata imediat, iar pentru fermier &#8211; de a-\u0219i p\u0103stra lichiditatea \u0219i de a-\u0219i cre\u0219te puterea de cump\u0103rare. <\/p>\n<div class=\"banner banner--content\">\n    <div class=\"banner__inner\">\n                    <img decoding=\"async\" data-src=\"https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/05\/banner-content.jpg.webp\"  class=\"banner__bg lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 780px; --smush-placeholder-aspect-ratio: 780\/222;\" \/>\n                <div class=\"banner__content\">\n            <div class=\"banner__text\">\n                <h4>Deveni\u021bi partener<\/h4>\n<h2>Plata \u00een rate pentru agrobusiness<\/h2>            <\/div>\n                                                \t\t\t\t\t\t\t        <\/div>\n    <\/div>\n<\/div>\n<h4 class=\"wp-block-heading\" id=\"endpoint_3\">Opera\u021biunile de factoring \u00een Ucraina<\/h4>\n\n<p>Factoringul, ca instrument financiar universal, poate fi utilizat \u00een diverse domenii de activitate, inclusiv produc\u021bie \u0219i construc\u021bii, comer\u021b \u0219i servicii, sectorul agricol. \u00cen ciuda situa\u021biei dificile din \u021bara noastr\u0103, agrobusiness-ul r\u0103m\u00e2ne o direc\u021bie prioritar\u0103 \u00een activitatea economic\u0103 general\u0103 a statului. <\/p>\n\n<p>Opera\u021biunile de factoring \u00een Ucraina \u0219i perspectivele dezvolt\u0103rii acestora au \u00eenceput s\u0103 fie discutate serios la nivel de stat \u00eenc\u0103 din 2021. Atunci, la cel de-al XX-lea Forum Aniversar al Directorilor Financiari din Ucraina, a fost prezentat\u0103 o \u201efoaie de parcurs&#8221; pentru dezvoltarea factoringului pentru perioada 2020-2025. Aceasta includea crearea <a href=\"https:\/\/nabu.ua\/ua\/rada-nabu-pogodila-stvorennya-ukrayinskogo-alyansu-torgovogo-finansuvannya-ta-faktoringu.html\">asocia\u021biei specializate UATFF<\/a>, desf\u0103\u0219urarea activit\u0103\u021bilor de marketing, modific\u0103ri legislative \u0219i formarea unei infrastructuri IT moderne care s\u0103 accelereze opera\u021biunile \u0219i s\u0103 previn\u0103 fraudele.  <\/p>\n\n<p>Strategia propus\u0103 se baza pe date curente \u0219i prognoze. Acestea prevedeau c\u0103 factoringul \u00een Ucraina va cre\u0219te constant conform statisticilor \u0219i p\u00e2n\u0103 la sf\u00e2r\u0219itul anului 2025 va reprezenta 5% din finan\u021barea PIB-ului &#8211; 10 miliarde de dolari. <\/p>\n\n<p>Importan\u021ba unui astfel de proiect consta \u00een dorin\u021ba de a stabili interac\u021biunea dintre factori, care ast\u0103zi \u00een Ucraina sunt reprezenta\u021bi de peste 600 de companii, \u0219i \u00eentreprinderile mici \u0219i mijlocii ucrainene. Conform sondajului Prozorro, doar 7% dintre companii utilizeaz\u0103 servicii de factoring, \u00een timp ce 93% nu au \u00eencercat niciodat\u0103 s\u0103 le ob\u021bin\u0103. <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"endpoint_3\">Opera\u021biunile de factoring \u00een Ucraina ast\u0103zi<\/h4>\n\n<p>Pentru a sprijini produc\u0103torul na\u021bional, la sf\u00e2r\u0219itul anului 2023 a fost lansat\u0103 programa \u201e<a href=\"https:\/\/www.mof.gov.ua\/uk\/news\/iurii_draganchuk_dostupnii_faktoring__novii_instrument_dlia_pidtrimki_malogo_biznesu_v_umovakh_viini-4338\">Factoring Accesibil<\/a>&#8221; \u00een cadrul programului de stat \u201eCredite Accesibile 5-7-9%&#8221;. Fondul pentru Dezvoltarea Antreprenoriatului (FDA) a fost desemnat ca operator, iar implementarea prevedea interac\u021biunea antreprenorilor doar cu b\u0103ncile partenere determinate de stat. <\/p>\n\n<p>Esen\u021ba ini\u021biativei de stat este de a oferi companiei acces imediat la fonduri b\u0103ne\u0219ti \u0219i de a-i restabili lichiditatea pentru crearea de noi produse.<\/p>\n\n<p>Sprijinul financiar pentru astfel de contracte de factoring prevede compensarea ratei dob\u00e2nzii la nivelul de p\u00e2n\u0103 la 13% pe an. Factorul autorizat ofer\u0103 fonduri \u00een valoare de p\u00e2n\u0103 la 95% din crean\u021be, dar suma finan\u021b\u0103rii nu poate dep\u0103\u0219i 150 de milioane UAH. <\/p>\n\n<p>Pentru a beneficia de programul de stat, entitatea economic\u0103 trebuie s\u0103 se adreseze b\u0103ncii \u0219i s\u0103 depun\u0103 un pachet complet de documente.<\/p>\n\n<p>Dar exist\u0103 o alternativ\u0103 &#8211; serviciul nostru modern <a href=\"https:\/\/weagro.ua\/ro\/\">WEAGRO<\/a>. Acesta se bazeaz\u0103 pe cunoa\u0219terea nuan\u021belor pie\u021bei agricole \u0219i este special conceput pentru a satisface nevoile urgente ale participan\u021bilor s\u0103i &#8211; produc\u0103tori agricoli \u0219i furnizori. <\/p>\n\n<p>Ini\u021bial, furnizorii se \u00eenregistreaz\u0103 pe serviciul WEAGRO pentru a putea vinde produsele \u0219i serviciile lor produc\u0103torilor agricoli cu op\u021biunea de plat\u0103 am\u00e2nat\u0103. Serviciul online permite semnarea contractelor de v\u00e2nzare-cump\u0103rare prin semn\u0103tur\u0103 digital\u0103 sau \u00eenc\u0103rcarea documentelor deja semnate. <\/p>\n\n<p class=\"has-text-align-left\">WEAGRO implic\u0103 trei participan\u021bi principali: furnizorul, fermierul \u0219i compania financiar\u0103. Fiecare participant folose\u0219te propriul cabinet pentru \u00eencheierea contractelor \u00een condi\u021bii de plat\u0103 \u00een rate agricole, iar \u00een cabinetul fermierului se formeaz\u0103 \u0219i graficele de plat\u0103 pentru ratele respective. <\/p>\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"682\" data-src=\"http:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/07\/znimok-ekrana-2024-07-23-o-16.44.55-1024x682.png.webp\" alt=\"Opera&#x21B;iunile de factoring &#xEE;n Ucraina, perspectivele dezvolt&#x103;rii acestora\" class=\"wp-image-1056 lazyload\" title=\"Opera&#x21B;iunile de factoring &#xEE;n Ucraina, perspectivele dezvolt&#x103;rii acestora - foto\" data-srcset=\"https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/07\/znimok-ekrana-2024-07-23-o-16.44.55-1024x682.png.webp 1024w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/07\/znimok-ekrana-2024-07-23-o-16.44.55-300x200.png.webp 300w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/07\/znimok-ekrana-2024-07-23-o-16.44.55-768x512.png.webp 768w, https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/07\/znimok-ekrana-2024-07-23-o-16.44.55.png.webp 1378w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/682;\" \/><\/figure>\n\n<h4 class=\"wp-block-heading\" id=\"endpoint_3\">Contractul de factoring: \u00eencheierea acordului<\/h4>\n\n<p>Contractul de factoring este un acord scris \u00eentre factor (institu\u021bia financiar\u0103) \u0219i client (v\u00e2nz\u0103tor). Conform acestuia, factorul cump\u0103r\u0103 dreptul de a primi bani de la partenerii clientului pentru furnizarea de bunuri sau servicii. \u00cen Ucraina, contractul de factoring este reglementat de Codul Comercial al Ucrainei, Legea Ucrainei \u201ePrivind factoringul&#8221; \u0219i alte acte normative.  <\/p>\n\n<p>Principalele aspecte juridice care trebuie luate \u00een considerare la \u00eencheierea unui contract de factoring:<\/p>\n\n<ol class=\"wp-block-list\">\n<li>P\u0103r\u021bile &#8211; factorul (institu\u021bia financiar\u0103) \u0219i clientul (v\u00e2nz\u0103torul).<\/li>\n\n\n\n<li>Obiectul &#8211; transferul c\u0103tre factor a dreptului de a primi fonduri conform contractului de v\u00e2nzare-cump\u0103rare.<\/li>\n\n\n\n<li>Costul serviciilor de factoring &#8211; factorul are dreptul s\u0103 primeasc\u0103 de la client o remunera\u021bie (procent comision) pentru serviciile prestate. Remunera\u021bia este stabilit\u0103 prin contract \u0219i depinde de termenele de plat\u0103, suma crean\u021belor, nivelul de risc etc. <\/li>\n\n\n\n<li>Condi\u021biile de plat\u0103 &#8211; acordul prevede ordinea \u0219i termenele de plat\u0103 a costului serviciilor de factoring.<\/li>\n\n\n\n<li>Garan\u021bii \u0219i obliga\u021bii ale p\u0103r\u021bilor &#8211; contractul trebuie s\u0103 con\u021bin\u0103 obliga\u021biile clientului privind transmiterea tuturor documentelor necesare care confirm\u0103 crean\u021bele privind plata, precum \u0219i garan\u021bii privind validitatea acestora \u0219i absen\u021ba oric\u0103ror interdic\u021bii sau restric\u021bii privind transferul acestora. Obliga\u021biile factorului trebuie s\u0103 prevad\u0103 plata crean\u021belor clientului conform contractului, precum \u0219i efectuarea controlului asupra decont\u0103rilor. <\/li>\n\n\n\n<li>Riscuri \u0219i r\u0103spundere &#8211; condi\u021biile de distribuire a riscurilor \u00eentre p\u0103r\u021bi, inclusiv riscul de insolvabilitate, modificarea condi\u021biilor crean\u021belor etc.<\/li>\n<\/ol>\n\n<p>De asemenea, trebuie prev\u0103zute puncte privind r\u0103spunderea p\u0103r\u021bilor pentru \u00eenc\u0103lcarea contractului, modalit\u0103\u021bile de solu\u021bionare a litigiilor, durata contractului, confiden\u021bialitatea \u0219i alte condi\u021bii care corespund intereselor p\u0103r\u021bilor \u0219i cerin\u021belor legisla\u021biei.<\/p>\n\n<p>\u00cempreun\u0103 cu WEAGRO ve\u021bi putea aproba \u0219abloane tipice de documente, inclusiv \u0219ablonul contractului de v\u00e2nzare-cump\u0103rare \u00een rate, iar angaja\u021bii <a href=\"https:\/\/weagro.ua\/ro\/\">WEAGRO<\/a> vor putea oferi asisten\u021b\u0103 \u0219i sfaturi calificate. <\/p>\n\n<h4 class=\"wp-block-heading\" id=\"endpoint_3\">Concluzie<\/h4>\n\n<p>Serviciul nostru online WEAGRO ofer\u0103 posibilitatea de a achizi\u021biona produsul dorit ast\u0103zi \u0219i de a-l pl\u0103ti pe parcursul unei perioade de p\u00e2n\u0103 la 180 de zile. \u00centregul proces de furnizare a serviciilor de factoring respect\u0103 legisla\u021bia \u00een vigoare, dar este lipsit de griji inutile \u0219i necesit\u0103 doar codul companiei pentru depunerea cererii de aprobare a pl\u0103\u021bii \u00een rate. Dac\u0103 dori\u021bi solu\u021bii financiare moderne, utiliza\u021bi serviciul WEAGRO.  <\/p>\n<div class=\"banner banner--content\">\n    <div class=\"banner__inner\">\n                    <img decoding=\"async\" data-src=\"https:\/\/weagro.ua\/wp-content\/webp-express\/webp-images\/uploads\/2024\/05\/banner-content.jpg.webp\"  class=\"banner__bg lazyload\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 780px; --smush-placeholder-aspect-ratio: 780\/222;\" \/>\n                <div class=\"banner__content\">\n            <div class=\"banner__text\">\n                <h4>Cump\u0103ra\u021bi acum, pl\u0103ti\u021bi mai t\u00e2rziu<\/h4>\n<h2>Finan\u021bare agricol\u0103 pentru produc\u0103torul agricol<\/h2>            <\/div>\n                                                \t\t\t\t\t\t\t        <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Factoringul este un serviciu financiar cunoscut companiilor ucrainene \u00eenc\u0103 de la \u00eenceputul anilor &#8217;90. Dar, spre deosebire de \u021b\u0103rile europene, unde opera\u021biunile de factoring reprezint\u0103 \u00eentre 11 \u0219i 15% din PIB, \u00een Ucraina, conform datelor din 2022, acestea r\u0103m\u00e2n la nivelul de 0,4%. De ce opera\u021biunile de factoring merit\u0103 o aten\u021bie special\u0103, cum cresc eficien\u021ba [&hellip;]<\/p>","protected":false},"author":3,"featured_media":5168,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[40,88],"tags":[],"class_list":["post-5166","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bez-kategoriyi","category-agribusiness"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Factoringul \u0219i opera\u021biunile de factoring: ce sunt \u0219i cum func\u021bioneaz\u0103 \u00een Ucraina - WEAGRO<\/title>\n<meta name=\"description\" content=\"Factoringul - o solu\u021bie modern\u0103 pentru agrobusiness. 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