Deferred Paymeny Checks
We start at the beginning, what are
deferred payment checks?
They are orders of payment on a certain date, in that who emits it undertakes to expiration date have deposited
sufficient funds to order in a current account. So far, are neither more nor less than the checks that are seen daily in case of
companies.
Now, how it is that these cheques reach
the market?
So a company can deduct its checks in the capital markets, previously should be analysed by the institutions of the market
or by companies reciprocal guarantee (SGR), as appropriate.
We carry out such differentiation since two types of checks, the Avalados and the sponsor can be found.
The first is a unique system for SMEs or individuals that
they may negotiate cheques from your customers or own. In
which they must have previously backed by a SGR to ensure just before any
difficulty of recovery, the final payment of the obligation. Therefore,
the SGR is transformed, in case main payer to not respond the
SMEs.
In second term look at the so-called sponsored, which are own deferred payment cheques issued by SMEs and
large enterprises. In this case it is the Commerce of Buenos Aires stock along with the stock market, who carry out a preliminary
analysis of the patrimonial situation of the entity, with the purpose to permit
it or not to deduct their respective paychecks. Both institutions have a risk Committee that evaluates to which certain amount can go
to capture each entity.
But let's look at the most interesting thing that has this instrument to provide us with insurance, which is its
performance. So I suggest, compare it with instruments
that the individual tends to go when money available and awaits a chance.
Such is the case of the bond and the fixed
term.
The latter is paying around 12%, depending on much of the Bank, the years as a customer and the amount deposited.
As well and everything just reaches to cover inflation
supported by the Government, which on the street blend in less than six
months.
Looking at the stock bond, which is a tool that uses the market to connect to the individual who has money with which
need it, its performance is around 13% annual gross way.
But let's deferred payment checks. In the case of the sponsor, today are about 22% annual
rate, while in the case of the guaranteed they are hovering around 17% per
year.
The difference in rates, remember that it is because the latter are guaranteed by a SGR, therefore as the risk is lower
that the sponsor checks, reduces the rate of return.
Investment times are varied. Checks can be found by 10, 25, 122 days, but maximum one
year. Similarly, if it is purchased at the time you want
to get rid of it, you can sell it for regaining the money thus perceiving only
the corresponding interests. It is not obligation to wait
the expiration, although it is usually the most
searched.
This leads me to think that perhaps, the alternative may be advantageous for two styles of investment
profiles. In principle for any person who wishes to carry
out their first steps, and at the same time be able to win some points more to
the fixed-term safely.
Second to one investor who does not have time to monitor continuous market, but which distinguishes the medium-term
trends. As this may be the current scenario where would
appear to be February and March months with some low or without much variation
in prices, given the political noise for example involving the judicial
authorities with the vulture funds.
It is to take into account, and is not a particular child, time that has each instrument stock when applying for
money from an operation. In the case of shares and bonds
market requires or gives the money to the 72 hours, while checks settled on the
day, therefore enables a trading opportunity make a timely purchase of
shares/bonds and after 72 hours just make sale of deferred payment
check.
www.churchill.com/car-insurance
deferred payment checks?
They are orders of payment on a certain date, in that who emits it undertakes to expiration date have deposited
sufficient funds to order in a current account. So far, are neither more nor less than the checks that are seen daily in case of
companies.
Now, how it is that these cheques reach
the market?
So a company can deduct its checks in the capital markets, previously should be analysed by the institutions of the market
or by companies reciprocal guarantee (SGR), as appropriate.
We carry out such differentiation since two types of checks, the Avalados and the sponsor can be found.
The first is a unique system for SMEs or individuals that
they may negotiate cheques from your customers or own. In
which they must have previously backed by a SGR to ensure just before any
difficulty of recovery, the final payment of the obligation. Therefore,
the SGR is transformed, in case main payer to not respond the
SMEs.
In second term look at the so-called sponsored, which are own deferred payment cheques issued by SMEs and
large enterprises. In this case it is the Commerce of Buenos Aires stock along with the stock market, who carry out a preliminary
analysis of the patrimonial situation of the entity, with the purpose to permit
it or not to deduct their respective paychecks. Both institutions have a risk Committee that evaluates to which certain amount can go
to capture each entity.
But let's look at the most interesting thing that has this instrument to provide us with insurance, which is its
performance. So I suggest, compare it with instruments
that the individual tends to go when money available and awaits a chance.
Such is the case of the bond and the fixed
term.
The latter is paying around 12%, depending on much of the Bank, the years as a customer and the amount deposited.
As well and everything just reaches to cover inflation
supported by the Government, which on the street blend in less than six
months.
Looking at the stock bond, which is a tool that uses the market to connect to the individual who has money with which
need it, its performance is around 13% annual gross way.
But let's deferred payment checks. In the case of the sponsor, today are about 22% annual
rate, while in the case of the guaranteed they are hovering around 17% per
year.
The difference in rates, remember that it is because the latter are guaranteed by a SGR, therefore as the risk is lower
that the sponsor checks, reduces the rate of return.
Investment times are varied. Checks can be found by 10, 25, 122 days, but maximum one
year. Similarly, if it is purchased at the time you want
to get rid of it, you can sell it for regaining the money thus perceiving only
the corresponding interests. It is not obligation to wait
the expiration, although it is usually the most
searched.
This leads me to think that perhaps, the alternative may be advantageous for two styles of investment
profiles. In principle for any person who wishes to carry
out their first steps, and at the same time be able to win some points more to
the fixed-term safely.
Second to one investor who does not have time to monitor continuous market, but which distinguishes the medium-term
trends. As this may be the current scenario where would
appear to be February and March months with some low or without much variation
in prices, given the political noise for example involving the judicial
authorities with the vulture funds.
It is to take into account, and is not a particular child, time that has each instrument stock when applying for
money from an operation. In the case of shares and bonds
market requires or gives the money to the 72 hours, while checks settled on the
day, therefore enables a trading opportunity make a timely purchase of
shares/bonds and after 72 hours just make sale of deferred payment
check.
www.churchill.com/car-insurance