{"id":4012,"date":"2025-10-13T15:56:25","date_gmt":"2025-10-13T12:56:25","guid":{"rendered":"https:\/\/123credit.ro\/blog\/acreditivul-documentar\/"},"modified":"2025-10-13T15:57:38","modified_gmt":"2025-10-13T12:57:38","slug":"acreditivul-documentar","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/acreditivul-documentar\/","title":{"rendered":"Acreditivul documentar"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><h1>Acreditivul Documentar: Ghid Complet<\/h1>\n<p>Acreditivul documentar (prescurtat adesea \u201eL\/C\u201d de la Letter of Credit) este un angajament irevocabil, emis de banca cump\u0103r\u0103torului (importatorului), prin care aceasta garanteaz\u0103 plata c\u0103tre v\u00e2nz\u0103tor (exportator) atunci c\u00e2nd v\u00e2nz\u0103torul prezint\u0103, \u00een termenul stabilit, documentele comerciale \u0219i de transport cerute \u00een textul acreditivului.<\/p>\n<p>Acreditivul documentar \u00ee\u021bi folose\u0219te ca instrument de plat\u0103 \u0219i garantare \u00een comer\u021bul interna\u021bional (\u0219i, mai rar, intern) pentru a elimina riscul ca una dintre p\u0103r\u021bi s\u0103 nu-\u0219i respecte obliga\u021biile. Concret, \u00ee\u021bi ofer\u0103:<\/p>\n<p>Ai ajuns s\u0103 expor\u021bi sau s\u0103 impor\u021bi m\u0103rfuri \u0219i vrei siguran\u021b\u0103 deplin\u0103 la plat\u0103? Atunci trebuie s\u0103 \u00een\u021belegi cum func\u021bioneaz\u0103 acreditivul documentar.<\/p>\n<h2>Acreditivul documentar &#8211; defini\u021bie pe \u00een\u021belesul t\u0103u<\/h2>\n<p>UCP 600, sau Regulile \u0219i Practicile Uniforme pentru \u201cCreditele Documentare\u201d, sunt un set de reguli emise de Camera Interna\u021bional\u0103 de Comer\u021b (ICC) care guverneaz\u0103 utilizarea acreditivelor documentare.<\/p>\n<p>Aceste reguli au fost concepute pentru a oferi un cadru standardizat \u0219i uniform pentru tranzac\u021biile comerciale bazate pe credite documentare, \u00eembun\u0103t\u0103\u021bind predictibilitatea \u0219i eficien\u021ba mecanismelor de finan\u021bare a comer\u021bului.<\/p>\n<p>Conform regulilor interna\u021bionale UCP 600 emise de ICC, acreditivul documentar este un angajament irevocabil al b\u0103ncii emitente de a pl\u0103ti v\u00e2nz\u0103torului o sum\u0103 determinat\u0103, \u00een schimbul prezent\u0103rii \u00een termen a documentelor prev\u0103zute.<\/p>\n<p>Cu alte cuvinte, banca ta \u00ee\u021bi garanteaz\u0103 plata, dar numai dac\u0103 prezin\u021bi setul corect de h\u00e2rtii: factur\u0103 comercial\u0103, connaissement, poli\u021b\u0103 de asigurare \u0219i, eventual, certificate de origine.<\/p>\n<p>Pentru tine, importator sau exportator, acreditivul documentar devine un scut \u00eempotriva riscului de neplat\u0103 \u0219i o dovad\u0103 de seriozitate \u00een ochii partenerului.<\/p>\n<h2>Cum func\u021bioneaz\u0103 efectiv acreditivul documentar<\/h2>\n<ul>\n<li>Negocierea contractului \u2013 tu \u0219i partenerul conveni\u021bi s\u0103 folosi\u021bi acreditivul documentar. Stabile\u0219ti valoarea, valuta, termenul de expediere \u0219i banca emitent\u0103.<\/li>\n<li>Cererea de deschidere \u2013 importatorul solicit\u0103 b\u0103ncii sale emiterea acreditivului; completezi aplica\u021bia \u0219i depui garan\u021biile cerute (\u201ccash collateral\u201d, linie de credit).<\/li>\n<li>Transmiterea c\u0103tre banca avertizat\u0103 \u2013 mesaj SWIFT MT700 cu to\u021bi termenii.<\/li>\n<li>Expedierea m\u0103rfii \u2013 exportatorul livreaz\u0103 bunurile \u0219i ob\u021bine documentele de transport.<\/li>\n<li>Prezentarea documentelor \u2013 \u00een termen (ex: 21 zile de la \u00eenc\u0103rcare), exportatorul depune originalele la banca sa.<\/li>\n<li>Verificarea conformit\u0103\u021bii \u2013 banca confirmatoare examineaz\u0103 fiecare detaliu. Dac\u0103 totul e OK, prime\u0219ti plata.<\/li>\n<li>Debitarea importatorului \u2013 banca emitent\u0103 \u00eencaseaz\u0103 suma \u0219i \u00ee\u021bi trimite documentele ca s\u0103 ridici marfa.<\/li>\n<\/ul>\n<p>Acest circuit face ca acreditivul documentar s\u0103 fie printre cele mai sigure instrumente de plat\u0103 \u00een comer\u021bul interna\u021bional.<\/p>\n<h2>Tipurile principale de acreditiv documentar<\/h2>\n<ol>\n<li>Acreditiv irevocabil \u2013 nu poate fi modificat f\u0103r\u0103 acordul tuturor p\u0103r\u021bilor; standardul UCP 600.<\/li>\n<li>Acreditiv confirmat \u2013 banca exportatorului garanteaz\u0103 plata, suplimentar fa\u021b\u0103 de banca emitent\u0103; util \u00een \u021b\u0103ri cu risc politic.<\/li>\n<li>Acreditiv revolving \u2013 se re\u00eennoie\u0219te automat pe m\u0103sura livr\u0103rilor succesive, convenabil pentru contracte pe termen lung.<\/li>\n<li>Acreditiv transferabil \u2013 \u00ee\u021bi d\u0103 dreptul s\u0103 cedezi, integral sau par\u021bial, suma unui sub-furnizor.<\/li>\n<li>Acreditiv standby \u2013 func\u021bioneaz\u0103 ca o garan\u021bie: doar dac\u0103 importatorul nu pl\u0103te\u0219te la scaden\u021b\u0103, banca pl\u0103te\u0219te.<\/li>\n<\/ol>\n<p>Fiecare variant\u0103 p\u0103streaz\u0103 principiul de baz\u0103 al sintagmei acreditivul documentar, dar ajusteaz\u0103 fin gradul de protec\u021bie.<\/p>\n<h2>Avantajele pentru tine<\/h2>\n<ul>\n<li>Elimin\u0103 riscul de neplat\u0103: banca importatorului devine debitorul t\u0103u direct.<\/li>\n<li>Ofer\u0103 acces la finan\u021bare: po\u021bi sconta acreditivul la banca ta \u0219i prime\u0219ti numerar \u00eenainte de livrare.<\/li>\n<li>\u00cembun\u0103t\u0103\u021be\u0219te cash-flow-ul: \u0219tii exact c\u00e2nd vei \u00eencasa.<\/li>\n<li>Reduce ne\u00een\u021belegerile comerciale: detaliile sunt strict definite \u00een textul de acreditiv.<\/li>\n<li>Cre\u0219te reputa\u021bia: folosirea acreditivelor arat\u0103 profesionalism fa\u021b\u0103 de partenerii interna\u021bionali.<\/li>\n<\/ul>\n<h2>Pa\u0219ii practici ca s\u0103 deschizi acreditivul documentar<\/h2>\n<ul>\n<li>Preg\u0103te\u0219te contractul comercial \u2013 define\u0219te clar INCOTERMS, moneda \u0219i data livr\u0103rii.<\/li>\n<li>Consult\u0103-te cu banca \u2013 prezint\u0103 fluxul tranzac\u021biei, solicit\u0103 draftul de acreditiv \u0219i cere recomand\u0103ri.<\/li>\n<li>Finalizeaz\u0103 cererea \u2013 completezi formularul cu: beneficiarul, suma, termenul de prezentare, documentele cerute.<\/li>\n<li>Constituie garan\u021bia \u2013 banc\u0103 \u00ee\u021bi blocheaz\u0103 o limit\u0103 \u00een linia ta de credit sau un depozit colateral.<\/li>\n<li>Verific\u0103 textul final \u2013 orice virgul\u0103 conteaz\u0103! Modific\u0103rile ulterioare cost\u0103 timp \u0219i bani.<\/li>\n<\/ul>\n<p>Execut\u00e2nd ace\u0219ti pa\u0219i, acreditivul documentar devine activ \u0219i vizibil \u00een SWIFT (Society for Worldwide Interbank Financial Telecommunication), care reprezint\u0103 o re\u021bea global\u0103 de mesagerie utilizat\u0103 de institu\u021biile financiare pentru a transmite informa\u021bii \u00een mod sigur \u0219i fiabil, \u00een principal pentru pl\u0103\u021bi interna\u021bionale. Este o cooperativ\u0103 de\u021binut\u0103 de b\u0103ncile membre \u0219i ac\u021bioneaz\u0103 ca coloan\u0103 vertebral\u0103 pentru tranzac\u021biile financiare interna\u021bionale.<\/p>\n<h2>Documentele cerute cel mai des<\/h2>\n<ol>\n<li>Factur\u0103 comercial\u0103 \u00een original, semnat\u0103 \u0219i \u0219tampilat\u0103.<\/li>\n<li>Connaissement (Bill of Lading) maritim sau CMR rutier.<\/li>\n<li>Certificat de origine emis de Camer\u0103 de Comer\u021b.<\/li>\n<li>Poli\u021b\u0103 de asigurare \u201eall risks\u201d pentru 110 % din valoarea m\u0103rfii.<\/li>\n<li>\u201cPacking List\u201d, certificat fitosanitar, analiz\u0103 calitate (dup\u0103 domeniu).<\/li>\n<\/ol>\n<p>Dac\u0103 oricare lipse\u0219te sau con\u021bine erori, banca va marca \u201ediscrepan\u021b\u0103\u201d. \u00cen acel moment acreditivul documentar se transform\u0103 \u00eentr-un puzzle costisitor, deci fii atent la detalii.<\/p>\n<h2>Costuri \u0219i comisioane posibile<\/h2>\n<ul>\n<li>Comision de deschidere \u2013 0,10\u20130,30 % din valoare, minim 50\u2013150 \u20ac.<\/li>\n<li>Comision de plat\u0103 \u2013 0,15\u20130,20 % din sum\u0103, la utilizare.<\/li>\n<li>Comision de confirmare \u2013 adi\u021bional, dac\u0103 solici\u021bi banc\u0103 confirmatoare.<\/li>\n<li>Comision de amendament \u2013 pentru orice schimbare ulterioar\u0103.<\/li>\n<li>Comision de discrepan\u021b\u0103 \u2013 50\u2013100 \u20ac per set de documente neconforme.<\/li>\n<\/ul>\n<p>Calculeaz\u0103 impactul total \u00eenainte de a decide c\u0103 acreditivul documentar este cea mai bun\u0103 op\u021biune; uneori, un avans de 30 % plus restul la livrare iese mai ieftin.<\/p>\n<h2>Riscurile \u0219i cum le gestionezi<\/h2>\n<ol>\n<li>Discrepan\u021be documentare \u2013 solu\u021bia: lucreaz\u0103 cu un \u201cfreight-forwarder\u201d \u0219i un consultant LC.<\/li>\n<li>Risc de curs valutar \u2013 deschide acreditivul \u00een moneda \u00een care ai cheltuielile sau hedgiu-te prin forward.<\/li>\n<li>\u00cent\u00e2rzieri la expediere \u2013 cere termene realiste \u0219i include clauze de for\u021b\u0103 major\u0103.<\/li>\n<li>Risc politic \u2013 alege varianta de acreditiv confirmat sau standby.<\/li>\n<\/ol>\n<p>Banca te poate sprijini, dar tu r\u0103m\u00e2i principalul responsabil ca acreditivul documentar s\u0103 curg\u0103 f\u0103r\u0103 probleme.<\/p>\n<h2>Sfaturi practice pentru succes<\/h2>\n<ul>\n<li>Discuta cu un specialist pentru a te \u00eendruma<\/li>\n<li>Cere b\u0103ncii template-ul UCP 600 \u0219i folose\u0219te-l ca \u201echeck-list\u201d.<\/li>\n<li>Evit\u0103 documente ambigue: stipuleaz\u0103 exact \u201eCertificate of Origin issued by Chamber of Commerce, one original, one copy\u201d.<\/li>\n<li>Stabile\u0219te termene de prezentare de cel pu\u021bin 15 zile.<\/li>\n<li>Folose\u0219te expresii standard SWIFT: \u201elatest shipment date\u201d, \u201epartial shipment allowed\u201d.<\/li>\n<li>Pune \u00eentotdeauna beneficiarul corect: nume legal, f\u0103r\u0103 abrevieri.<\/li>\n<\/ul>\n<p>Aplic\u00e2nd aceste sfaturi, acreditivul documentar va func\u021biona ca un ceas elve\u021bian.<\/p>\n<h2>Concluzie<\/h2>\n<p>De re\u021binut este faptul ca acreditivul documentar este subsecvent acreditivului bancar, vezi \u00een acest articol, iar pentru contracte interna\u021bionale, acreditivul documentar reprezint\u0103 un pilon de siguran\u021b\u0103, at\u00e2t pentru tine ca exportator, c\u00e2t \u0219i pentru partenerul importator.<\/p>\n<p>De la risc comercial redus la finan\u021bare anticipat\u0103, beneficiile sunt evidente, \u00eens\u0103 doar dac\u0103 respec\u021bi cerin\u021bele stricte de documentare \u0219i calendarele impuse de banc\u0103.<\/p>\n<p>Analizeaz\u0103 costurile, preg\u0103te\u0219te actele cu grij\u0103 \u0219i colaboreaz\u0103 cu profesioni\u0219ti; vei descoperi c\u0103 acreditivul documentar poate transforma o tranzac\u021bie complex\u0103 \u00eentr-una predictibil\u0103 \u0219i profitabil\u0103.<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Pot modifica termenii dup\u0103 ce acreditivul documentar a fost emis?<\/h3>\n<p>Da, dar numai printr-un amendament acceptat de toate p\u0103r\u021bile. Banca percepe comision suplimentar.<\/p>\n<h3>2. Este obligatoriu ca banca exportatorului s\u0103 confirme acreditivul?<\/h3>\n<p>Doar dac\u0103 pia\u021ba \u021b\u0103rii importatorului are risc mare; altfel confirmarea este op\u021bional\u0103.<\/p>\n<h3>3. Ce se \u00eent\u00e2mpl\u0103 dac\u0103 documentele prezint\u0103 discrepan\u021be minore?<\/h3>\n<p>Importatorul poate totu\u0219i accepta plata, dar nu exist\u0103 obliga\u021bie. Cel mai sigur este s\u0103 corectezi erorile.<\/p>\n<h3>4. Pot primi avans prin acreditivul documentar?<\/h3>\n<p>Da, prin clauza \u201ered clause\u201d care \u00ee\u021bi permite s\u0103 tragi un procent din sum\u0103 \u00eenainte de expediere.<\/p>\n<h3>5. Care este diferen\u021ba dintre acreditivul documentar \u0219i garan\u021bia bancar\u0103?<\/h3>\n<p>Acreditivul se concentreaz\u0103 pe plata bunurilor la prezentarea documentelor, \u00een timp ce garan\u021bia bancar\u0103 acoper\u0103 ne\u00eendeplinirea obliga\u021biilor contractuale \u00een ansamblu.<\/p>\n<p>&nbsp;<\/p>\n<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 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https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credius.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-easycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div 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alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ferratum-2.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-firstbank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-garanti.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"267\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra-200x46.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-libra.png 267w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"148\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-mogoifn.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ocean.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-otp.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123credit.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/span><\/a><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span>Acreditivul Documentar: Ghid Complet Acreditivul documentar (prescurtat adesea \u201eL\/C\u201d de la Letter of Credit) este un angajament irevocabil, emis de banca cump\u0103r\u0103torului (importatorului), prin care aceasta garanteaz\u0103 plata c\u0103tre v\u00e2nz\u0103tor (exportator) atunci c\u00e2nd v\u00e2nz\u0103torul prezint\u0103, \u00een termenul stabilit, documentele comerciale \u0219i de transport cerute \u00een textul acreditivului. Acreditivul documentar \u00ee\u021bi folose\u0219te ca instrument de plat\u0103 \u0219i garantare \u00een comer\u021bul interna\u021bional  [&#8230;]<\/p>\n","protected":false},"author":15,"featured_media":4011,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[262],"tags":[],"class_list":["post-4012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-diverse"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Acreditivul documentar - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"\u00cenva\u021b\u0103 cum func\u021bioneaz\u0103 acreditivul documentar: defini\u021bie, tipuri, pa\u0219i, documente \u0219i costuri. 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