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Abstract(s)
A prestação de garantias pessoais tornou-se indissociável da concessão de financiamento externo, pelo que é extremamente recorrente a utilização do aval em branco, que pelas suas características se adequa aos diferentes contratos de financiamento. Ora, com o presente estudo, pretendemos facultar uma maior compreensão quanto à utilização do aval em branco, mas também, possibilitar uma análise crítica da tutela dos sócios avalistas, que acabam por permanecer vinculados, enquanto garantes, por tempo indeterminado. Assim, iremos procurar expor uma possibilidade que confere uma maior proteção a estes garantes e que, como tal, lhes permite reavaliar o seu interesse em permanecer vinculado ao aval em branco.
The utilization of personal guarantees has become indissociable form the concession of external financing, whence the utilization of a personal guarantee, in the form of a promissory note which is issued in blank, in particular without the monetary amount or the due date (the so called "aval em branco") is extremely recurring, which, by its characteristics, is well suited to the many different financing contracts. Thus, with this study, we intend to provide a better understanding of the utilization of the "aval em branco", but also to enable a critical analysis of the partner guarantor's protection, which end up being bound as guarantors for an indefinite amount of time. From here, we will exhibit a possibility that confers a better protection to this guarantor and as such, that allows him to reconsider his interest in staying bound to the "aval em branco".
The utilization of personal guarantees has become indissociable form the concession of external financing, whence the utilization of a personal guarantee, in the form of a promissory note which is issued in blank, in particular without the monetary amount or the due date (the so called "aval em branco") is extremely recurring, which, by its characteristics, is well suited to the many different financing contracts. Thus, with this study, we intend to provide a better understanding of the utilization of the "aval em branco", but also to enable a critical analysis of the partner guarantor's protection, which end up being bound as guarantors for an indefinite amount of time. From here, we will exhibit a possibility that confers a better protection to this guarantor and as such, that allows him to reconsider his interest in staying bound to the "aval em branco".
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Keywords
Aval em branco Garantias pessoais Financiamento externo Vinculação Personal guarantees External financing Vinculation