2021, vol. 50, br. 4, str. 158-169
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Sve što ste oduvek želeli da znate o inkasu
Everything you have always wanted to know about documentary collection
Sažetak
Inkaso je instrument platnog prometa sa inostranstvom namenjen pravnim licima i preduzetnicima. Globalno posmatrano, posle bankarske doznake, inkaso je najčešće korišćeni instrument naplate po osnovu spoljnotrgovinskih transakcija. Poslovanje sa ovim instrumentom je regulisano Jednoobraznim pravilima Međunarodne trgovinske komore - MTK (eng. International Chamber of Commerce - ICC) za inkaso - u daljem tekstu Jednoobrazna pravila, (eng. "The Uniform Rules for Collections, 1995 Revision, ICC Publication No. 522-URC"). Prva verzija ovih Pravila objavljena je 1956. godine, posle čega su usledile odgovarajuće izmene. Prednosti inkasa se ogledaju u tome što ovaj instrument omogućava jednostavnu i relativno brzu proceduru naplate, koja nije praćena značajnijim troškovima. Rizik pružanja usluge po osnovu inkaso transakcija za banku je isključivo reputacioni, jer nastaje u slučaju izostanka ili neblagovremenog reagovanja banke na instrukciju nalogodavca.
Abstract
Collection is an instrument of foreign payment transactions intended for legal entities and entrepreneurs. Globally observed, after the bank remittances, collection is the most frequently used payment instrument based on foreign trade transactions. Utilization of this instrument is regulated by the Uniform Rules of the International Chamber of Commerce - ICC for collection - hereinafter the Text Uniform Rules, the first version of which was published in 1956, to be followed by some revisions. The advantages of collection are reflected in the fact that this instrument enables a simple and relatively fast collection proceedings, which is not accompanied by significant costs. The risk of providing a service based on collection transactions for the bank is exclusively reputational, since it arises in the event of a lack of response or untimely response of the bank to the instructions of the principal.
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