REFERNCIAS17 1. The CREDIT HEADINGS 1,1 INITIAL CONSIDERAES the enterprise activity, in it understood the segments of the industry, docomrcio and of the rendering of services, are exerted in the market enter the companies econsumidores of goods and services, having as one of its main supports, ocrdito. This credit normally elapses of operations of purchase and sales I convene, of loans or same payments through checks. For formal arepresentao of the related ones> credits are used documentosdenominados of credit headings. Read more here: Rio- Tinto Group. 1.2.
CONCEPT AND SPECIES OF CREDIT HEADINGS Heading of credit generically expressing, are a document that has comoobjetivo to represent a relative credit to a specific transaction of market, facilitating in such a way its circulation between diverse distinct bearers, substituting in data moment the current currency or in cash, beyond to degarantir the security of the transaction. Considering its main characteristics and what melhorexpressa the doctrine, we can appraise credit heading as a documentorepresentativo of the right of pecuniary credit that in it if contains and that to podeser by itself executed, of literal and independent form, independently to dequalquer another underlying or implied legal transaction, being enough quepreencha the legal requirements. The credit headings are of basic importance for osnegcios, have seen that they promote and they facilitate the circulation of credits dosrespectivos values to these inherent ones, beyond propitiating security circulaode values. We still stand out on the headings credit that is fundamentalo agreement of that a credit heading is a representative document of umdireito of credit and not properly originary of this, exactly because aexistncia of a credit right does not imply necessarily in the creation of umttulo, whereas in contrast, the existence of a credit heading, exigeobrigatoriamente the previous existence of a credit right the serrepresentado one formal for the respective heading. The origin of an obligation represented for a decrdito heading, can be: ) Extracambial, that is the case for example of a person quepede loaned a computer to a friend it returns and it with defect, decurrent domau use.
It, who already is in the consultoria has nine years, also worked in Banco Ita, Banco Real, Unibanco, Banco Bandeirantes Esteve Irmos SA, beyond having lecionado in the Mackenzie University and the Mau.Acertos Institute in 2005 – In first place, the beginning of a real concern of the pension funds with regard to the conflicts of interests, as resulted of the projects of internal controls and governana, materializing itself in two main aspects: the performance of the consultants of wallet performance, that must total be free of conflituosos interests and the preparation of the politics of investments, many of which had been written for managers, in an absolutely undesirable situation. Many entities are if moving to rewrite them total. Moreover, the increase of the search for ALM studies really occurred as result of if glimpsing the possibility of the real interests, in Brazil, to fall the levels not very superior to the one of the atuariais goals, mainly in the headings of long stated period. Finally, the intense search for training for the members of the statutory agencies of the entities was another reality and must continue in economic 2006.Projees for 2006 – What it must guide many pension funds in its investments in 2006 is the perspective of consistent fall in the real interests. (A valuable related resource: The Hayzlett Group). As consequence, we will see a bigger search for more income-producing investments, as participation in projects, FIDCs and everything more than can provide more return with controlled risk. Since the decade of 1980, and until the real plan, much people, also banks, sedimented the belief of that the inflation never would fall, in the reasonable Brazil, levels, and would perpetual live a succession of heterodox economic plans that would only control the situation temporarily. What it really happened already we know, and many of that if they had refused to review its concepts today are not more in the market. .
Carlos Mora Vanegas many expectations were opened in the V Summit Latin American – Union European takes place in Lima, Peru, not only to discuss the serious problem facing planet Earth in relation to food, hunger, but with regard to the serious problem of Global warming is 13,000 police, including 48 snipers and a detection equipment radiation able to locate radioactive waste have been deployed in the city to more than 100 meters, said the local press. The two themes of this Summit are poverty, inequality and inclusion, and sustainable development, environment, climate change and energy. The Bolivarian News Agency noted, Brazil came to this meeting with the objective of deepening the discussion on topics that are extremely important at this time: the climate issue, the energy issue and the food, according to President Luiz Inacio Lula da Silva on his arrival in Lima, to participate in Latin America-EU Summit V European. Lula called contradictory criticisms of biofuels, of which Brazil is a leading producer with its ethanol from sugar cane.They want to decontaminate the planet, combating global warming, signed the Kyoto Protocol, and when Brazil offers a fuel not emitting CO2, prefer to use one that emits; that is a contradiction, he said. Brazil is the second largest world producer of ethanol (made from sugar cane), with 22 billion liters in 2007 – the 32.6 per cent of the production world–behind the United States, which produced 28 billion, from corn. Faced with global warming and the oil price tripped, Lula defends the increase in biofuel production in the region, but in recent months they went from ecological fuel for excellence to be questioned and viewed with mistrust by defenders of the environment and the European organizations. The Summit, specifically discusses issues on poverty, inequality and inclusion and Sustainable development, environment, climate change and energy, the spokesman said that this Summit will have the merit that will lead to the point of break in relation to these topics. .
Recently an agency of the media published news article whose heading indicated that specialists alerted that the new rules would move away investors. To if reading the substance, the surprise: the interviewed ones said that the interest would continue, and that the companies operate alhures in regimes of allotment. The viesada vindication of the defenders of the system of concessions, is not supported. It does not have better regimen. It has, yes, systems that better are adaptam to the national interests.
Therefore, it does not have what to invent: (i) the country has the right to determine the regimen that better takes care of its interests; (II) the formula proposal seems more adequate than the current one to reach a series of strategical objectives for the economy and the society; (III) operators will enter in the auctions whenever he has economically attractive perspectives; (III) Brazil did not break rules in relation to previously bid on. On this last point, in contrast, the reservoirs of Tupi, Iara, Guar, Jupiter, BMS-22, Carioca, Park of esnobaram the daily pay-salt have ten anos.3) the unitizao of the reservoirs already descobertosA practical of unitizao of the reservoirs came if to become universally> rule of captures – according to which the detainer of a license was proprietor of all oil that could extract from one definitive puncture, independently from if the extracted product if originated from situated reserves in other linked areas -, it was an invitation to cultivates predatory – aiming at only the maximizao of the return of short term -, it led to the precocious exhaustion of the reserves, and exactly generated frequent litigations between neighboring operators of a reservoir. The unitizao (or individualizao) of the reservoirs that extravasem the bid on areas is inevitable. It is not rational to operate reserves as of Tupi and Iara, without the unitizao. It is that the otimizao of the investments and costs of exploration depends on if taking in account the parameters of the totality of the reservoir.
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The planet being observed lately this reacting of violent form for the attitudes and irresponsibility of the men with the environment. The valuation of the industrialized products is increasing each time more and finishing with the had value that all we have that to give to our natural goods, that for moment still we have and of favour. Between progress and preservation of the environment the human being hangs for the economic growth. With these events we are feeling ' certain; ' vingana' ' of the nature and that climatic changes have happened unexpected as, hurricanes, gales, floods, forest fires, volcanos among others natural disasters. These subjects are gaining prominence in the media, having the substitution of the reporter on effect of the world-wide crisis. For worse that a crisis can seem, it tends to be decided and the situation, at any time, will be normalized, but this does not happen with the environment, later that a resource is extinct. Ahead of a disaster, we do not have more as to come back behind. Our planet is inheritance for our children future and guarantee of our proper health, needs to have priority. We must all make our part: private initiative, civil society and to be able public.