{"id":3351,"date":"2024-04-26T00:54:26","date_gmt":"2024-04-26T00:54:26","guid":{"rendered":"https:\/\/suretyone.com\/blog\/?p=3351"},"modified":"2024-04-26T04:38:08","modified_gmt":"2024-04-26T04:38:08","slug":"garantia-financiera-en-eeuu","status":"publish","type":"post","link":"https:\/\/suretyone.com\/blog\/garantia-financiera-en-eeuu\/","title":{"rendered":"Garant\u00eda Financiera en EEUU"},"content":{"rendered":"\n<p>Entre las clases de fianza (cauciones) m\u00e1s dif\u00edciles para un suscriptor figura el pedido de garant\u00eda financiera (&#8220;<a href=\"https:\/\/suretyone.com\/financial-guarantee-bonds\" target=\"_blank\" rel=\"noreferrer noopener\">financial guarantee<\/a>&#8220;). Hay fianzas comerciales que incluyen cl\u00e1usulas y provisiones que contemplan el &#8220;pago de sumas&#8221; pero por lo general son remedios para la falta de cumplimiento con las garant\u00edas de fiel cumplimento inclu\u00eddas en el contrato fiado y\/o otras cl\u00e1usulas que la precede. Ejemplos son fianzas de utilidad (corriente, agua, etc.). Para el mercado norteamericano (EEUU) la barrera que m\u00e1s preocupa a las aseguradoras es una ley neoyorquina denomidada la &#8220;ley Appleton&#8221;. No importa si la aseguradora tiene domicilio estatuario en otro estado. Si lleva a cabo actividad como compa\u00f1\u00eda afianzadora y tiene licencia en Nueva York, tiene que cumplir con dicha ley sin importar el local del riesgo. Para complicar m\u00e1s la perspectiva de las que proponen evitar el mercado de Nueva York, California, Connecticut y Florida han apropado una prohibici\u00f3n similar EMPERO, s\u00f3lo se aplica tal restricci\u00f3n a las fianzas o garant\u00edas fiancieras que superan U.S.$10,000,000.<\/p>\n\n\n\n<p>Seg\u00fan la Secci\u00f3n 1106(f) de la Ley de Seguros, &#8221; . . . foreign insurers and U.S. branches of alien insurers transacting insurance business outside of New York of any kind that is NOT permitted to be written in New York by similar domestic insurers will be in violation unless in the judgment of the <a href=\"https:\/\/www.dfs.ny.gov\/About_Us\" target=\"_blank\" rel=\"noreferrer noopener\">Superintendent of Insurance<\/a> such kind or combination of kinds of insurance business will not be prejudicial to the best interests of the people of New York.&#8221; Este tipo de &#8220;supra&#8221; jurisdicci\u00f3n perjudica a las aseguradoras que buscan ofrecer productos que abordan la necesidad de mejora crediticia.<\/p>\n\n\n\n<p>La suscripci\u00f3n de garant\u00eda financiera presenta otro reto, una caracter\u00edstica bien conocida entre suscriptores, . . . la de &#8220;selecci\u00f3n adversa&#8221;. El o la solicitante de una fianza de este \u00edndole a menudo lo busca porque ya un recurso de cr\u00e9dito o pr\u00e9stamos lo a rechazado sin el apoyo de la garant\u00eda solvente de una tercera parte. Para evitar irse por las ramas, un solicitante que no cualifica, no une lo necesario para obtener financiamiento sin garant\u00eda asimismo no unir\u00e1 lo necesario para calificar para una garant\u00eda finaciera. Por tal raz\u00f3n, s\u00f3lo los solicitantes sin &#8220;con qu\u00e9&#8221; obtener cr\u00e9dito de una instituci\u00f3n financiera, son los mismos que buscan garant\u00eda finaciera. <\/p>\n\n\n\n<p>Otro gran reto para el sucriptor es, no s\u00f3lo la naturaleza de la obligaci\u00f3n, sino el motivo de la financiaci\u00f3n que desea el solicitante. Descartando contemplaci\u00f3n de garant\u00eda financiera que exige el sector p\u00fablico (&#8220;municipal bond enhancement&#8221;), la gran mayor\u00eda de los pedidos provienen de individuos y empresas privadas peque\u00f1as y por ende, la fianciaci\u00f3n respladada por la garant\u00eda fianciera se despliega para fines absolutamente especulativas empresariales.<\/p>\n\n\n\n<p>Para m\u00e1s informaci\u00f3n sobre garant\u00eda fianciera, comun\u00edquese con nosotros a Info@JanusAssuranceRe.com.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Entre las clases de fianza (cauciones) m\u00e1s dif\u00edciles para un suscriptor figura el pedido de garant\u00eda financiera (&#8220;financial guarantee&#8220;). Hay fianzas comerciales que incluyen cl\u00e1usulas y provisiones que contemplan el &#8220;pago de sumas&#8221; pero por lo general son remedios para&#8230; <a class=\"more-link\" href=\"https:\/\/suretyone.com\/blog\/garantia-financiera-en-eeuu\/\">Continue Reading &rarr;<\/a><\/p>\n","protected":false},"author":1,"featured_media":3352,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v17.7.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Garant\u00eda Financiera en EEUU &bull; Surety One, Inc.<\/title>\n<meta name=\"description\" content=\"Entre las clases de fianza (cauciones) m\u00e1s dif\u00edciles para un suscriptor figura el pedido de garant\u00eda financiera (&quot;financial guarantee&quot;).\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/suretyone.com\/blog\/garantia-financiera-en-eeuu\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Garant\u00eda Financiera en EEUU &bull; Surety One, Inc.\" \/>\n<meta property=\"og:description\" content=\"Entre las clases de fianza (cauciones) m\u00e1s dif\u00edciles para un suscriptor figura el pedido de garant\u00eda financiera (&quot;financial guarantee&quot;).\" \/>\n<meta property=\"og:url\" content=\"https:\/\/suretyone.com\/blog\/garantia-financiera-en-eeuu\/\" \/>\n<meta property=\"og:site_name\" content=\"Surety One, Inc.\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Surety1\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/Surety1\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-26T00:54:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-26T04:38:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/suretyone.com\/blog\/wp-content\/uploads\/businessman-3213659_1920.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"711\" \/>\n<meta name=\"twitter:card\" content=\"summary\" \/>\n<meta name=\"twitter:creator\" content=\"@SuretyOne\" \/>\n<meta name=\"twitter:site\" content=\"@SuretyOne\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"C. 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