Zastavna pravica na terjatvi ali odstop terjatve v zavarovanje?

Kocev, Nina (avtor), Juhart, Miha (mentor)

Terjatve so kot nematerialni objekti pogost predmet realnih zavarovanj, bodisi zastavne pravice na terjatvi ali odstopa terjatve v zavarovanje (fiduciarne cesije). Poslovna praksa pa je razvila tudi nekatere nove oblike zavarovanj, ki temeljijo na fiduciarni cesiji. Ena izmed njih je globalna fiduciarna cesija, pri kateri se hkrati v zavarovanje odstopi več bodočih terjatev in obstoječih terjatev. Fiduciarna cesija je alternativa zastavni pravici na terjatvi in njena bistvena razlikovalna lastnost je diskretnost, kar jo dela zanimivejšo za upnike. Dolžnik odstopljene terjatve tako nikoli ne izve za fiduciarno cesijo, razen v primeru realizacije fiduciarnega zava-rovanja, če zavarovana terjatev ni plačana. Glavna pomanjkljivost fiduciarne cesije je ta, da lahko fiduciar razpolaga z odstopljeno terjatvijo v korist tretjih, saj je le-ta prešla v njegovo premoženjsko sfero. Določene težave lahko nastopijo tudi v primeru večkratne cesije iste ter-jatve. Prednost fiduciarne cesije v primerjavi z zastavno pravico na terjatvi pa je tudi njena neakcesornost, kar pomeni, da se lahko obstoječi fiduciarni odstop uporabi tudi za neko bodo-čo terjatev.

• Jezik: Slovenski jezik
• Ključne besede: zavarovanje terjatev, odstop terjatve v zavarovanje, zastavna pravica na terjatvi, globalna fiduciarna cesija, neakcesornost
• Vrsta gradiva: Magistrsko delo/naloga
• Organizacija: PF - Pravna fakulteta
• Leto izida: 2018
• PID: 20.500.12556/RUL-101203
• COBISS.SI-ID: 16147281
• Datum objave v RUL: 12.05.2018

Sekundarni jezik

• Jezik: Angleški jezik
• Naslov: Pledge right of a claim or transfer of debt into security?

Izvleček

Claims as non-material objects are often objects of real insurances of obligations, either of a pledge right of a claim or fiduciary cession. Business practice has also developed some new forms of securing obligations, which are based on fiduciary cession. One of them is global fiduciary cession, where several future and existent debts are transferred into security at the same time. Fiduciary cession is an alternative to the pledge right of a claim and its main dis-tinctive feature is its discretion, which makes it more interesting for creditors. Debtor of a transferred claim thus never finds out about fiduciary cession, except in the case of realization, if the secured claim is not paid. The main faultiness of fiduciary cession is, that fiduciary can dispose of transferred claim in relation to third parties, because it was transferred to his property sphere. Some problems can also apear in the case of multiple cession. The advantage of fiduciary cession in comparison with pledge right of a claim is also its non-accessoriness, which means that the existent fiduciary transfer can be used also for a future debt.

• Ključne besede: claim security, transfer of debt into security, pledge right of a claim, global fiduciary cession, non-accessoriness