{"id":6097,"date":"2026-08-14T11:02:04","date_gmt":"2026-08-14T08:02:04","guid":{"rendered":"https:\/\/123credit.ro\/blog\/123explicativ-scrisoarea-de-garantie-bancara\/"},"modified":"2026-08-14T11:02:46","modified_gmt":"2026-08-14T08:02:46","slug":"123explicativ-scrisoarea-de-garantie-bancara","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/123explicativ-scrisoarea-de-garantie-bancara\/","title":{"rendered":"123Explicativ: Ce este scrisoarea de garan\u021bie bancar\u0103?"},"content":{"rendered":"Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>

Defini\u021bie:<\/strong> Scrisoarea de garan\u021bie bancar\u0103 este un angajament irevocabil prin care o banc\u0103 se oblig\u0103 s\u0103 pl\u0103teasc\u0103 o sum\u0103 c\u0103tre un beneficiar, dac\u0103 clientul ei nu \u00ee\u0219i respect\u0103 obliga\u021bia contractual\u0103.<\/p>\n

Nu prime\u0219ti bani. Prime\u0219ti promisiunea b\u0103ncii c\u0103, dac\u0103 tu nu livrezi, pl\u0103te\u0219te ea. Partenerul t\u0103u accept\u0103 s\u0103 lucreze cu tine tocmai pentru c\u0103 \u00een spate st\u0103 banca.<\/p>\n

Cum func\u021bioneaz\u0103, \u00een trei pa\u0219i<\/h2>\n
    \n
  1. Tu (ordonatorul) ceri b\u0103ncii o garan\u021bie pentru un contract.<\/li>\n
  2. Banca emite scrisoarea c\u0103tre partenerul t\u0103u (beneficiarul), pe o sum\u0103 \u0219i o perioad\u0103 fixe.<\/li>\n
  3. Dac\u0103 nu \u00ee\u021bi \u00eendepline\u0219ti obliga\u021bia, beneficiarul cere plata b\u0103ncii. Banca pl\u0103te\u0219te \u0219i apoi \u00ee\u021bi cere \u021bie banii \u00eenapoi.<\/li>\n<\/ol>\n

    Ultimul pas e cel pe care mul\u021bi antreprenori \u00eel trec cu vederea. Banca nu \u00ee\u021bi face o favoare, ci avanseaz\u0103 bani \u00een locul t\u0103u, iar tu \u00eei datorezi imediat.<\/p>\n

    Tipurile pe care le vei \u00eent\u00e2lni<\/h2>\n
      \n
    • De participare la licita\u021bie<\/strong>
      \nCerut\u0103 \u00een achizi\u021bii publice, ca s\u0103 nu se \u00eenscrie la licita\u021bie firme neserioase. De regul\u0103 un procent mic din valoarea contractului.<\/li>\n
    • De bun\u0103 execu\u021bie<\/strong>
      \nCea mai frecvent\u0103. Garanteaz\u0103 c\u0103 lucrarea va fi f\u0103cut\u0103 la termen \u0219i la calitatea convenit\u0103. Se elibereaz\u0103 la recep\u021bie.<\/li>\n
    • De returnare a avansului<\/strong>
      \nDac\u0103 ai primit un avans \u0219i nu livrezi, beneficiarul \u00ee\u0219i recupereaz\u0103 avansul de la banc\u0103.<\/li>\n
    • De plat\u0103<\/strong>
      \nInvers fa\u021b\u0103 de celelalte: garanteaz\u0103 c\u0103 tu, cump\u0103r\u0103torul, vei pl\u0103ti marfa livrat\u0103. Furnizorii noi o cer des.<\/li>\n<\/ul>\n

      Exemplu concret<\/h2>\n

      O firm\u0103 c\u00e2\u0219tig\u0103 un contract de 500.000 RON cu o prim\u0103rie. Caietul de sarcini cere garan\u021bie de bun\u0103 execu\u021bie de 10%, deci 50.000 RON.<\/p>\n

      Firma are dou\u0103 variante. Blocheaz\u0103 50.000 \u00een cont pe toat\u0103 durata contractului, bani care nu mai produc nic\u0103ieri. Sau cere b\u0103ncii o scrisoare de garan\u021bie \u0219i pl\u0103te\u0219te un comision anual calculat la valoarea garantat\u0103, p\u0103str\u00e2ndu-\u0219i lichiditatea pentru materiale \u0219i salarii.<\/p>\n

      A doua variant\u0103 cost\u0103 c\u00e2teva mii de lei pe an. Prima cost\u0103 50.000 de RON imobiliza\u021bi.<\/p>\n

      C\u00e2t cost\u0103<\/h2>\n

      Costul are 2 componente: un comision de emitere, pl\u0103tit o singur\u0103 dat\u0103, \u0219i un comision de risc, exprimat procentual pe an din valoarea garantat\u0103. Nivelul depinde de bonitatea firmei, de tipul garan\u021biei \u0219i de colateralul adus.<\/p>\n

      B\u0103ncile cer aproape \u00eentotdeauna o acoperire: cash colateral par\u021bial, ipotec\u0103, cesiune de crean\u021be sau contragaran\u021bie de la un fond precum FNGCIMM.<\/p>\n

      Ce leg\u0103tur\u0103 are cu creditele?<\/h2>\n

      Aici e informa\u021bia care conteaz\u0103 cel mai mult \u0219i pe care mul\u021bi o afl\u0103 de obicei prea t\u00e2rziu.<\/p>\n

      Scrisoarea de garan\u021bie consum\u0103 din plafonul de expunere al firmei la banc\u0103, exact ca o linie de credit. Chiar dac\u0103 nu ai luat un leu, banca a rezervat riscul.<\/p>\n

      \u00cen practic\u0103, asta \u00eenseamn\u0103 c\u0103 o firm\u0103 cu trei scrisori de bun\u0103 execu\u021bie active poate primi refuz la un credit de investi\u021bii, nu pentru c\u0103 st\u0103 prost financiar, ci pentru c\u0103 plafonul e deja ocupat. Dac\u0103 \u0219tii c\u0103 urmeaz\u0103 o finan\u021bare important\u0103, planific\u0103 ordinea: \u00eent\u00e2i creditul, apoi garan\u021biile, sau negociaz\u0103 de la \u00eenceput un plafon global suficient.<\/p>\n

      Regula practic\u0103<\/h2>\n

      Cite\u0219te condi\u021biile de executare \u00eenainte de a semna. O scrisoare \u201ela prima cerere” se pl\u0103te\u0219te de banc\u0103 imediat ce beneficiarul o solicit\u0103, f\u0103r\u0103 s\u0103 analizeze dac\u0103 are dreptate. Una condi\u021bionat\u0103 cere dovezi. Diferen\u021ba dintre cele dou\u0103 formul\u0103ri poate \u00eensemna 50.000 de lei pl\u0103ti\u021bi \u00eentr-un litigiu pe care l-ai fi c\u00e2\u0219tigat.<\/p>\n

      Dac\u0103 vrei detalii despre pa\u0219ii concre\u021bi de ob\u021binere, documentele necesare \u0219i cum alegi banca, avem un ghid complet despre scrisoarea de garan\u021bie bancar\u0103.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Timpul estimat pentru citire: <\/span> 3<\/span> minute<\/span><\/span>Defini\u021bie: Scrisoarea de garan\u021bie bancar\u0103 este un angajament irevocabil prin care o banc\u0103 se oblig\u0103 s\u0103 pl\u0103teasc\u0103 o sum\u0103 c\u0103tre un beneficiar, dac\u0103 clientul ei nu \u00ee\u0219i respect\u0103 obliga\u021bia contractual\u0103. Nu prime\u0219ti bani. Prime\u0219ti promisiunea b\u0103ncii c\u0103, dac\u0103 tu nu livrezi, pl\u0103te\u0219te ea. Partenerul t\u0103u accept\u0103 s\u0103 lucreze cu tine tocmai pentru c\u0103 \u00een spate st\u0103 banca. Cum func\u021bioneaz\u0103, \u00een […]<\/p>\n","protected":false},"author":9,"featured_media":6028,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[263],"tags":[],"class_list":["post-6097","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-123explicativ"],"yoast_head":"\n123Explicativ: Ce este scrisoarea de garan\u021bie bancar\u0103? - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Scrisoarea de garan\u021bie bancar\u0103 explicat\u0103 simplu: ce este, tipurile uzuale, c\u00e2t cost\u0103 \u0219i de ce \u00ee\u021bi consum\u0103 din plafonul de creditare al firmei.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/123credit.ro\/blog\/123explicativ-scrisoarea-de-garantie-bancara\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"123Explicativ: Ce este scrisoarea de garan\u021bie bancar\u0103? 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