{"id":3289,"date":"2022-02-08T12:22:52","date_gmt":"2022-02-08T10:22:52","guid":{"rendered":"https:\/\/pradagayoso.com\/?post_type=publicaciones&p=3289"},"modified":"2023-12-21T21:48:23","modified_gmt":"2023-12-21T19:48:23","slug":"papel-ico-concurso-empresa-avalada","status":"publish","type":"publicaciones","link":"https:\/\/pradagayoso.com\/en\/blog\/concurso-de-acreedores\/papel-ico-concurso-empresa-avalada\/","title":{"rendered":"\u00bfQu\u00e9 papel desempe\u00f1ar\u00e1 el ICO si una empresa avalada se declara en concurso?"},"content":{"rendered":"\n
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\"\"<\/figure>\n\n\n\n

Desde hace meses se observa un creciente n\u00famero de empresas que, a pesar de haber recibido financiaci\u00f3n avalada por el Instituto de Cr\u00e9dito Oficial (ICO), no han logrado revertir sus problemas financieros y han terminado solicitando el concurso de acreedores. Todo indica que estos casos seguir\u00e1n aumentando en un futuro pr\u00f3ximo al concluir la moratoria concursal y el periodo de dos a\u00f1os de carencia de los pr\u00e9stamos ICO.<\/p>\n\n\n\n

En este contexto, surgen dudas sobre el papel que desempe\u00f1ar\u00e1 el ICO en los procedimientos concursales, puesto que los cr\u00e9ditos derivados del impago de los pr\u00e9stamos con aval del ICO han de clasificarse como cr\u00e9dito ordinario<\/strong> (no privilegiado) y, por tanto, los titulares de dichos cr\u00e9ditos tienen derecho de voto en un eventual convenio.<\/p>\n\n\n\n

El esquema de financiaci\u00f3n avalada por el ICO implica la existencia de tres actores: la empresa deudora, la entidad financiera y el propio ICO. Sin embargo, una vez declarado el concurso, el Ministerio de Asuntos Econ\u00f3micos y Transformaci\u00f3n Digital se subrogar\u00e1<\/strong> en la parte avalada por el ICO. En consecuencia, el titular de los cr\u00e9ditos p\u00fablicos ser\u00e1 el Ministerio.<\/p>\n\n\n\n

Pues bien, el Ministerio y la entidad financiera ir\u00e1n de la mano en la fase de convenio<\/strong>. La entidad financiera analizar\u00e1 la propuesta presentada y se coordinar\u00e1 con la Agencia Estatal de Administraci\u00f3n Tributaria (AEAT) para fijar un criterio \u00fanico en la toma de decisiones. Corresponde a la AEAT la competencia para negociar y suscribir convenios por parte del Ministerio, si bien la representaci\u00f3n y defensa de los cr\u00e9ditos del Ministerio en el concurso recae sobre la Abogac\u00eda General del Estado.<\/p>\n\n\n\n

En la junta de acreedores, el Ministerio y la entidad financiera votar\u00e1n en el mismo sentido<\/strong>, aunque de manera independiente. En representaci\u00f3n del Ministerio emitir\u00e1 el voto el Servicio Jur\u00eddico de la AEAT o, en aquellas provincias en que no haya Servicio Jur\u00eddico, por la Abogac\u00eda General de Estado.<\/p>\n\n\n\n

Excepcionalmente, si la financiaci\u00f3n avalada por el ICO contara con otro tipo de garant\u00eda real, el cr\u00e9dito del Ministerio y el de la entidad financiera tendr\u00e1n el rango de cr\u00e9dito con privilegio especial<\/strong> (no general). En ese caso, el Ministerio y la entidad financiera quedar\u00e1n al margen de un eventual convenio y tendr\u00e1n derecho a recuperar sus cr\u00e9ditos a trav\u00e9s del bien o derecho en garant\u00eda.<\/p>\n\n\n\n

Renegociaci\u00f3n de los pr\u00e9stamos con aval p\u00fablico: requisitos y tr\u00e1mites<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

El Ministerio de Asuntos Econ\u00f3micos se subrogar\u00e1 y se coordinar\u00e1 con la entidad financiera en la fase de convenio<\/p>\n","protected":false},"featured_media":2344,"template":"","pub_categoria":[38],"class_list":["post-3289","publicaciones","type-publicaciones","status-publish","has-post-thumbnail","hentry","pub_categoria-concurso-de-acreedores"],"yoast_head":"\n\u00bfQu\u00e9 papel desempe\u00f1ar\u00e1 el ICO si una empresa avalada se declara en concurso? - PradaGayoso<\/title>\n<meta name=\"description\" content=\"Si una empresa avalada por el ICO entra en concurso, el Ministerio de Asuntos Econ\u00f3micos se subrogar\u00e1 por el ICO y se coordinar\u00e1 con el banco.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/pradagayoso.com\/blog\/concurso-de-acreedores\/papel-ico-concurso-empresa-avalada\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 papel desempe\u00f1ar\u00e1 el ICO si una empresa avalada se declara en concurso? 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