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ASNEF: National Association of Financial Institutions. Founded in Spain in 1967. Partners: financial institutions, telecommunications, energy services operators, publishers and insurers. The maximum legal period of stay of an incidence is 6 years. EQUIFAX
: U.S. multinational founded in 1899 and associated Asnef since 1994.
EXPERIAN-BADEXCUG: information is supplied by its creditors, whoever they are.
RAI: \u200b\u200bUnpaid Approvals Registry. Special for legal persons. Contribute their data banks and credit documents have been returned to the collection. The maximum period of stay in your files is the 3rd month.
CIRBE: Risk Information Centre. It is managed by the Bank of Spain. Contains all loans, guarantees, credits and financial institutions' risk with their clients, from 6,000 €. You should see the current debt at the end of the month.

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delinquent credit insurance. What is it?

companies to sell futures and ensuring their sales (all, but mainly when unknown, suspicious of his client or the amount is important) have a tool for the possible non-payment does not entail heavy losses on its cash, including its disappearance to the enterprise. Is the credit insurance. Arrived
the event of default in payment, the creditor company communicates with your insurance company, which set time limits in clauses pay all or part contained in these clauses, ensure both that the debt claim way it believes appropriate.
CONDITIONS: normally, or traditional credit insurance, the company must provide its insurer's portfolio of clients and annual turnover, which will analyzed by the insurance and according to the volume of such sales and their risk of establishing an annual bonus. This premium can be significant depending on such factors as orientation and say that it is rare or 0.20% lower than 1% of turnover. It should be noted that customers who were sold, must be other companies and does not cover cases of self and / or professional and sales management.
It should be noted that there are a few companies that have a credit with certain characteristics that differ from traditional ones. These insurance company will inform Icuris that calls this service Infogarantía or Guarantee Fund: the obligation to of ensuring all annual turnover, the Infogarantía only ensures that customer and that customer billing that you want. It also ensures any client either company, independent or professional (excluding individuals).
This Icuris Credit Insurance has two variants: one is more complex and with lower rates, and a more simple and standardized rates somewhat higher. In both, it is necessary and mandatory risk analysis will give us the rating or level of risk: if more than 5, it is possible that credit insurance contract, one of the variables to set the rate. Another variable is the franchise you choose from which we can return the unpaid, and another is the time we elapse so that we can pay the unpaid.

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Delinquencies financial system exceeds 6%, highest since the 95.

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Administrations took longer to pay in 2010, despite the law.

Management deaf to the demands of the Delinquency Act, which came into force in July 2010. In fact, last year the public sector (which is some 40,000 million euros for English companies, representing more than half of total debt) was slow in paying their bills 157 days, three more than in 2009. The figure is far from the 50 days prescribed by law.

"The Administration must stop finance by SMEs," yesterday asked Rafael Baron, president of the Multisectoral Platform Delinquency during the presentation of a survey covering the year 2010. Baron added that local governments are the most delinquent (with about 33,000 million in debt).

also noted that the legal team of the platform (which includes one million companies) is preparing a number of unpaid claims, most of them against companies in the construction sector (one of the most delinquent), but explained to elEconomista also provide action against debtors consistory. Bill

late

The good news is that in 2010 private companies were slow to pay 93 days, eight fewer than last year, but still exceeded the legal deadline of 85 days. A reduction in the platform is estimated that about 1,800 million euros. Pere delinquency expert Brachfield estimated private debt could amount to 30,000 million.

Of this, about 30% (about 9,000 million) will not be charged ever, according to Brachfeld. The Directors, contario that companies always end up paying, even long after the service or product sales.

Contrary to what much of the population has perceived Delinquency Act (which actually is a revised of a law of 2004) is more severe than government business. Pere Brachfield explains the new rule states that if a company reporting a delinquent public body, it must pay the amount due even before the trial.

preventive This payment is an important step. Prior to revise the law, the creditor could take up to five years trying to make him pay their bills, "says this expert, now, the standard takes into account that 90 percent of the cases the sentence will be in his favor and he anticipates the amount owed.

blackberry expert believes that the ideal would be to establish a similar system for business: "There should be preventive measures, which the debtor sufficient to arrest a heritage that once the legal process, respond to the debt." The expert believes, however, it is difficult to apply these measures, because the judges are, first, to the obligor (which in legal parlance is called in favor debitoris).

No Interest "In Spain, the vast majority of companies do not charge interest for late payment. It goes into his head to claim them," said Rafael Barón during the presentation of the report. Interests that, according to law, should be 8%.

addition, 64 out of every hundred companies current deal with customers periods exceeding those established by law, which is reportable, as the president of the Platform against NPLs. The big problem is still not established sanctions for defaulters, Baron explained that the platform says it represents is preparing a proposal in this regard. Within

receipts and payments, Spain has nothing to do with many of its European neighbors. In fact, only the Latin countries (like Portugal and Italy) have these default rates. "In other countries it is not necessary to enact a law to any or management company comes up with to stop paying, "said Baron.

As regards the most debtors, the builder is in the lead, with a ratio of 8.8%. What are the services (with a 3, 5%) and industry (2.2%). On the positive side, Rafael Baron noted that in 2010 they knew the law 93 of a hundred companies, more than double that in 2009.

www.eleconomista.es

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WHAT COMPANIES CAN DO AGAINST THE GOVERNMENT IN THE EVENT OF DEFAULT?

administrations have the obligation to pay within 50 days from the date of issuance of certification or completion of the contract. If they do, they must pay the creditor default interest, today, are 8% annually. Law 15/2010 has introduced a flexible and effective procedure to claim the debt, which the creditor claims payment of the administrative and, if after a month has not recovered, you can start the court claim requesting payment of interim debt. Thus, even if it was delayed several years contraratista have claimed, but many do not dare to initiate legal proceedings for fear of losing contracts. Copying

Money and Employment 15/05/2011. Interview with Peter J. Brachfield.

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KELSEN Alvaro d'Ors, Law and Latin

This story, which is minimal component part of a tribute to the lawyer Alvaro d'Ors, written by his disciple Guzmán Brito, recounts an experience of the English jurist with the German Johannes fiflólogo Stroux, which is pretty devastating! haha.

... You start to doubt the interpretation of Latin in German jurists S. XIX, and why not? in its natural law, too.

To [...] follow the order of their publication such that it typically had themes d'Ors, then add a 1945 article about the fictional character of the right of rhetoric (Boletim da Faculdade de Direito de Coimbra 21, 1945, pp. 337 ss.) where shows that the legal examples that appear in the Latin rhetorical sources are not real but fictional or invented precisely, but artificially, and often set in Greek circumstances. With this work, Don Alvaro came to express their skepticism _Que abandonó_ never facing one of the fashions of his time _y, in truth, I think that remains to Date_, as was to give great prestige to the theories ancient rhetoric in the development of classical law, which in 1926 had triggered the German philologist Johannes Stroux with a paper entitled Summum ius summa iniuria (Festschrift Speiser-Sarasin, 1926) on the Greek influence in the development of Roman legal science. Don Alvaro had met Stroux, who enjoyed a total authority as a philologist, but he realized that he was unable to speak Latin, despite his great learning in that language. He knew, for some opportunity, being in a German library frequented by Stroux _según narró_ me, right there appeared to visit a English philologist, also known priest of Don Alvaro, and whose name I forget, who expressed interest will be presented to Stroux, after news that her presence at the scene. The presentation, the participants realized that neither Stroux spoke Castilian, German or the priest, so the English civil law suggested that converse in Latin, assuming the Stroux Latinist could speak the language, just as the priest because of his status, coupled with a philologist. The priest agreed immediately and began the talk in Latin, but to his surprise and that of Don Alvaro, Stroux articulate and could scarcely stammer a few words, which only proved that for him the Latin was a language of texts and lacked practice, unlike the priest by virtue of his office as such. I narrate this story, because it seems fun, but not because he had some influence on the rejection of Don Alvaro to belief in a supposed influence of ancient rhetoric in the thinking of classical jurists.

To find the full text: http://www.scielo.cl/scielo.php?script=sci_arttext&pid=S0716-54552004002600069 & ; lng = en & NRM = iso & tlng = en