La couverture du banquier contre l'insolvabilité du crédité par l'assurance
Institution:
Montpellier 1Disciplines:
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Abstract EN:
When the insolvency of the borrower is permanently confirmed, the banker has to cope, not only with suspension of payments of his client, but also with inefficiency of usual guarantees of credit. The legislator's absolute will to promote and privilege the company recovery has reduced a lot the creditor's rights, especially those of the banker and this, notwithstanding the provisions of article 40 (l. 85) still termed a "procedure-privilege". As far as we are concerned, credit-insurance offers every element of a whole efficient guarantee. However, in the case of any bilateral agreement, a as credit-insurance, exceptions opposability still remains a problem. Therefore, it seems of prime necessity that the creditinsurer contract becomes self-reliant. The credit-insurer's self-reliant contract was therefore to be found without reducing the guarantee granted to a true insurance of bad payers. The risk agreement, the control right, the paying-out limit and the franchise admitedly to the credit-insurer are able to mitigate any risk about this. Indeed, credit-insurance is useful, feasible and, soon, at lowest cost.
Abstract FR:
Lorsque l'involvabilite du credite s'avere difinitive, le banquier se trouve alors confronte, non seulement a la cessation des paiements de son client, mais aussi a l'inefficacite des garanties traditionnelles du credit. La volonte expresse du legislateur a promouvoir et previlegier le redressement de l'entreprise a reduit considerablement les droits des creanciers, notament ceux du banquier et ceci, nonobstant les dispositions de l'article 40 (l. 85) qualifie, cependant, de "privilege de la procedure". L'assurance-credit presente, croyons-nous, les elements constitutifs d'un mecanisme de garantie efficace. Toutefois, a l'instar de tout engagement synallagmatique, l'assurance-credit souffre de l'opposabilite des exceptions. Il nous paraissait alors primordial que l'engagement de l'assureur-credit devienne autonome. L'autonomie de l'engagement de l'assureur-credit etait, par consequent, a rechercher sans pour autant reduire la garantie ainsi accordee a une veritable assurance des mauvais payeurs. L'agrement du risque, le droit de controle reconnu a l'assureur-credit ainsi que la limite de decaissement et la franchise sont susceptibles de pallier tout danger a ce propos. L'assurance-credit est certes utile, realisable et, prochainement, a moindre cout.