This is a guarantee not only of the success of transactions, but also a way to demonstrate the viability of the company, its ability and ability to receive banking products, in particular white guarantees, because the bank works only with reliable enterprises. Order the service from reliable intermediaries, call us to buy white guarantees, by phone 8 495 540 49 41.
white guarantee passes all checks. Therefore, with it, you can be sure that the transaction will take place and the white guarantee document will be accepted. Providing just such white guarantees of banking institutions is an increase in reputation in the eyes of counterparties. In cases of purchases under 44-FZ, the beneficiaries require the provision of bank guarantees, which are then entered into the appropriate register. So only information about genuine white guarantee documents gets there. You can buy a white bank guarantee if you contact us by leaving an application on the website (“SUBMIT ONLINE APPLICATION” form) or by calling the numbers indicated on the website.
The black or gray bank guarantee is different from white bank guarantee first of all, by the fact that it is not confirmed, although you will be assured of this. Such documents, ostensibly bank guarantees, are issued by non-existing banks, or by those banking institutions that exist on a piece of paper. Naturally, you will not find your supposedly white guarantee on the balance sheet of any financial institution.
By presenting such a “bank” document, you expose yourself to the risk of losing your contract and reputation, as well as being blacklisted. You can avoid these troubles with our help, call 8 800 555 17 41.
White guarantee price, certainly different from the price of gray, black guarantees. But she's worth it. Paying once for a white guarantee, you get a full-fledged reliable bank document. And having bought a cheap fake bank guarantee, you will either have to replace it with a white guarantee and pay again, since the customer will immediately check and reject the fake document, or you will be blacklisted altogether, and you will not be able to conclude contracts with serious customers in the near future.
With large amounts of white guarantees (over 1 million rubles), the rates for issuing a white guarantee from a bank start at 2.5%, and can often reach 4.5% (with average amounts of at least 3.5%). And sometimes (usually in cases where the amount of the white guarantee is less than 1 million rubles), the rate can even reach 13% of the amount of the bank guarantee. The rate is also overestimated in cases, for example, when the client has no experience in executing similar contracts to the contract that he is currently receiving, and plans to provide him with a white guarantee. High stake will be for those who have bad balances or need to enforce a commercial contract, or the amount of the white guarantee is large, and the turnover is small and in other cases. But it's better to pay and get a full-fledged banking product(white guarantee), rather than being completely unsecured. Since in the situations described above and independently contacting banks, a 100% refusal threatens.
We would like to inform you that the cases of issuing so-called "gray" bank guarantees have become more frequent. This type of guarantee is illegal. It is issued with a genuine seal and signature of the guarantor bank and is confirmed by it, but data on the issuance of this document is not submitted to the register of bank guarantees.
Thus, the bank's funds are not reserved.
In this regard, the customer may require the supplier to replace the "gray" warranty with a fully issued one in accordance with the law. This is one of the minimum requirements.
But in practice, customers often take more serious measures, up to fixing a case of evasion from signing a contract and entering a company that provided an illegally issued guarantee into the register of unscrupulous suppliers. This undermines the credibility of the contractor, and deprives it of the opportunity to participate in procurement in the future.
In addition, using a "gray" bank guarantee, the supplier also incurs material losses, since the application security is not returned to him, but transferred to the customer.
You can try to determine for yourself whether the document issued to you is a legal confirmation of the performance of the contract. To do this, you should pay attention to the following factors that should alert you:
So the legitimacy test this document- the process is not the fastest and not the easiest. If, due to your employment or for other reasons, you do not have the opportunity to independently determine the legality of the guarantee, then you can turn to specialists.
The company "RusTender" is always happy to help in successful participation in public procurement. Among other things, our competence includes the verification of bank guarantees. We will quickly and efficiently determine whether you should cooperate with the proposed guarantor bank, as well as provide any other services that will help you win in various types of bidding.
Already now you can choose a bank for yourself and the most profitable proposition for issuing a guarantee.
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The bank guarantee "shoots" only if the supplier fails to fulfill the terms of the contract. Then the guarantor bank fulfills the obligation to pay Money to the customer in accordance with the terms of the bank guarantee. Requirements for the issuance of bank guarantees are established in federal law FZ-44.
You will be promised all sorts of miracles: registration within two hours, which is enough scans of the statutory documents, free delivery of the guarantee, payment after the provision to the customer, confirmation of the guarantee by the guarantor bank by phone and other delights of fake bank guarantees issued in the nearest closet.
The most surprising thing is that the customer can accept this guarantee, since he has only three days to verify the authenticity. But what will happen later: the customer will sign the contract and send a request for confirmation of the bank guarantee to the bank and receive a negative response from the bank on the issuance of a bank guarantee.
Indeed, it is not realistic to make a white bank guarantee in two hours! They made you a profitable, fast, fake guarantee based on scanned documents and delivered it to the office by courier.
The consequences of invalidating a guarantee will be as follows: you will be asked to provide financial support execution of the contract or the contract is terminated with the inclusion in the register of unscrupulous suppliers with the corresponding consequences.
Therefore, the most important question when issuing a bank guarantee is NOT “how much does it cost?” But “how to make sure that a bank guarantee is genuine?”.
Bank guarantee without collateral - as a condition for the provision is often found in the practice of issuing guarantees.
When analyzing by the bank the financial and accounting reports provided by the company, in case a large number assets and a positive balance, the guarantor bank issues a bank guarantee without collateral, but under the guarantee of one person, for example, the general director.
Receipt of bank guarantees indicates that the bank, Insurance Company or the credit institution undertakes to fulfill its obligations. But there are cases when the issuance of bank guarantees does not guarantee anything. Let's talk about such an unpleasant phenomenon as fake bank guarantees.
First of all, the situation should alert, the “bank” requires payment for a bank guarantee to the account of some LLC, and not directly to the bank.
Also, the idea of a false bank guarantee is prompted by the situation when a bank guarantee is issued by proxy to a person who is not an employee of the bank.
Pay attention to the list of documents requested by the bank. In accordance with the instructions of the Bank of Russia without documents or with a minimum set (application and several forms), credit department the bank cannot decide on the possibility of issuing a bank guarantee.
The bank needs enough time to study all the documents, so bank guarantees that are issued “in an hour” should be avoided.
A more sophisticated type of fraud is counterfeit bank guarantees, the receipt of payment for the "provision" of which is not reflected in the accounting records. But even such scammers can be exposed.
To do this, go to the website of the Bank of Russia (http://www.cbr.ru/credit/) and find the section “Information on credit institutions”. Enter the registration number or name of the bank you are interested in. By clicking on the name of the bank in the table that appears, you will be taken to its page. Next is a matter of technology.
On this page we find the heading “Data turnover sheet by accounts accounting” and view the data for the period of interest. Pay special attention to the indicators of account No. 91315 (here, the obligations given by the credit institution are taken into account).
Some credit institutions in their pursuit of profit go even further. Today, there are often cases of issuing bank guarantees in excess of the officially established standards for the amount of this banking service.
The maximum total amount under a bank guarantee (issued to one principal) for banks in the territory of the Russian Federation should not exceed 25% of the bank's capital.
This restriction also remains relevant in a situation where the Principal receives several separate bank guarantees from several related credit organizations(monetary indicators for each bank guarantee are summarized).
If the Principal already has other financial obligations in front of the bank maximum limit on a bank guarantee is reduced. To make sure that you are not offered to issue fake bank guarantees, check the capital status of the bank of interest.
Go to the section “Calculation of own funds, information on mandatory ratios” on the website of the Central Bank of the Russian Federation. Using form 134, familiarize yourself with the calculation of the bank's capital for the selected period. Pay special attention to the indicators of line No. 000 - the bank's own funds (capital).
Strange as it may sound, some scammers manage to sell counterfeit bank guarantees of non-existent banks to customers and consumers of government orders.
In order to avoid such offensive “mistakes”, one should again visit the already well-known website of the Bank of Russia (http://www.cbr.ru/credit/). In the "Information on credit institutions" section, carefully enter the name of the bank you are interested in.
The fact is that fraudsters often choose a name for their “bank” that is consonant with the name of a real-life bank.
If you still managed to get to the page of the bank of interest, check the OGRN on the papers provided for the issuance of bank guarantees, the registration number and the name of the real bank (see clause 2 of article 1473 of the Civil Code of the Russian Federation).
An officially issued bank guarantee is called a white guarantee. However, there is also a gray bank guarantee, the provision of which is fraudulent. The Center for Guarantees and Investments will help you obtain such a document legally. However, legal entities that decide to walk the path on their own should keep in mind that due to the popularity of services, offenses in this area have become more frequent. Therefore, you should learn to distinguish a white bank guarantee from a gray one.
A white bank guarantee is usually characterized by the following conditions:
Fraudsters pretend to be suspiciously attractive conditions. They may offer:
Criminals usually act on behalf of a non-existent bank. Upon further review of such a guarantee, it will be found that it is not legally binding. And an attempt to forge an extremely negative impact on the business reputation of the principal.
In order not to get into a similar situation, contact the Guarantee and Investment Center. Its specialists know exactly what guarantors can cooperate with. Sign up for free consultation and find out which banks are authorized to issue guarantees.
Quite recently, a law that was passed abolished the guarantee under government contracts, and the reason for this was the more frequent precedents with unscrupulous guarantors. Is it in line and bank guarantee? After all, today determine, " white"she or "gray" is sometimes quite difficult.
First of all, it is necessary to find out - what is a "gray" bank guarantee? These are certificates issued by "fake" banks, or existing only on a sheet of paper and not put on the balance sheet of any financial and credit organization. By issuing such “documents”, both dishonest bankers and unscrupulous brokers profit.
Providing an illegitimate bank guarantee can undermine the credibility of your organization and serve as a legitimate reason to cancel your winning bid.
But how to insure yourself against buying a fake?
There are a number of signs that indicate the unreliability of a bank guarantee.
How not to run into scammers who will undermine the authority of your company with their falsifications?
Everything is very simple - contact the services of a reliable and trusted company, which is " Tender Finance". We exist in the market financial services for seven years now, and all this time we have been helping our clients receive profitable orders and reinforce their responsibility by issuing high-quality financial and credit documents.
