{"id":5135,"date":"2025-02-19T11:27:21","date_gmt":"2025-02-19T10:27:21","guid":{"rendered":"https:\/\/blogs.dlapiper.com\/advocatus\/?p=5135"},"modified":"2025-02-20T11:22:01","modified_gmt":"2025-02-20T10:22:01","slug":"wi-biztositas-hitelezoi-biztositek-a-wi-biztositason","status":"publish","type":"post","link":"https:\/\/blogs.dlapiper.com\/advocatus\/2025\/02\/wi-biztositas-hitelezoi-biztositek-a-wi-biztositason\/","title":{"rendered":"W&I biztos\u00edt\u00e1s: Hitelez\u0151i biztos\u00edt\u00e9k a W&I biztos\u00edt\u00e1son"},"content":{"rendered":"\t\t
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<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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V\u00e1llalatfinansz\u00edroz\u00e1s, akviz\u00edci\u00f3s finansz\u00edroz\u00e1s keret\u00e9ben a hitelez\u0151 \u00e1ltal el\u0151\u00edrt hitelbiztos\u00edt\u00e9kok k\u00f6r\u00e9be nem csak a magyar jog \u00e1ltal hagyom\u00e1nyosan elismert biztos\u00edt\u00e9kok tartozhatnak. A hitelez\u0151k biztons\u00e1g\u00e1t n\u00f6velhetik egy\u00e9b, jogint\u00e9zm\u00e9nyi szinten nem felt\u00e9tlen\u00fcl defini\u00e1lt konstrukci\u00f3k, illetve olyan megold\u00e1sok is, amelyek a hat\u00e1suk miatt tekinthet\u0151k hitelbiztos\u00edt\u00e9knak. A k\u00fcl\u00f6nb\u00f6z\u0151 biztos\u00edt\u00e1si strukt\u00far\u00e1knak nem az els\u0151dleges funkci\u00f3ja a biztos\u00edt\u00e9ki c\u00e9l\u00fa alkalmaz\u00e1s. Ezzel egy\u00fctt a biztos\u00edt\u00f3k p\u00e9nz\u00fcgyi stabilit\u00e1sa, az \u00e1ltaluk alkalmazott, sokszor m\u00e1r hossz\u00fa \u00e9vekre visszamen\u0151 \u00e9s rugalmas k\u00e1rrendez\u00e9si gyakorlat, illetve nemzetk\u00f6zi p\u00e9ld\u00e1k sora alkalmass\u00e1 teszik a biztos\u00edt\u00e1si term\u00e9keket a hitelbiztos\u00edt\u00e9ki szerepre. Legfrissebb cikk\u00fcnkben a finansz\u00edroz\u00f3i k\u00f6r sz\u00e1m\u00e1ra a W&I biztos\u00edt\u00e1sok (Warranty and Indemnity Insurance) hitelbiztos\u00edt\u00e9ki alkalmaz\u00e1s\u00e1val kapcsolatos legfontosabb k\u00e9rd\u00e9seket j\u00e1rjuk k\u00f6r\u00fcl Boros Gy\u00f6rgy szenior finansz\u00edroz\u00e1si \u00fcgyv\u00e9d, Szkiba Tam\u00e1s szenior M&A \u00fcgyv\u00e9d \u00e9s Juh\u00e1sz Gergely tranzakci\u00f3s biztos\u00edt\u00e1si tan\u00e1csad\u00f3 k\u00f6zrem\u0171k\u00f6d\u00e9s\u00e9vel.<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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A W&I biztos\u00edt\u00e1s a hazai M&A piacon is egyre gyakrabban haszn\u00e1lt eszk\u00f6z az elad\u00f3i szavatoss\u00e1gv\u00e1llal\u00e1sok \u00e9s k\u00e1rt\u00e9r\u00edt\u00e9si k\u00f6telezetts\u00e9gek megs\u00e9rt\u00e9s\u00e9b\u0151l ered\u0151 p\u00e9nz\u00fcgyi kock\u00e1zatok kezel\u00e9s\u00e9re. \u00cdgy a W&I biztos\u00edt\u00e1s hat\u00e9kony v\u00e9delmet ny\u00fajthat t\u00f6bbek k\u00f6z\u00f6tt azokban az esetekben, amikor a z\u00e1r\u00e1st k\u00f6vet\u0151en az elad\u00f3 b\u00e1rmely okb\u00f3l jogut\u00f3d n\u00e9lk\u00fcl megsz\u00fcntet\u00e9sre ker\u00fcl vagy teljes\u00edt\u0151k\u00e9pess\u00e9ge (m\u00e9rt\u00e9k\u00e9ben \u00e9s id\u0151belis\u00e9g\u00e9ben) bizonytalan (mert pl. egy SPV illetve nincs anyav\u00e1llalati helyt\u00e1ll\u00e1s vagy m\u00e1s biztos\u00edt\u00e9k). A W&I biztos\u00edt\u00e1s megk\u00f6t\u00e9se azonban nemcsak az elad\u00f3 \u00e9s a vev\u0151, hanem az M&A \u00fcgylethez kapcsol\u00f3d\u00f3 akviz\u00edci\u00f3s hitelt ny\u00fajt\u00f3 bankok sz\u00e1m\u00e1ra is el\u0151ny\u00f6s lehet a fedezetek kisz\u00e9les\u00edt\u00e9se r\u00e9v\u00e9n.<\/p>

F\u0151szab\u00e1ly szerint a bank az SPA alapj\u00e1n befoly\u00f3 vev\u0151t megillet\u0151 fizet\u00e9seken biztos\u00edt\u00e9kot alap\u00edt. Ezek a kifizet\u00e9sek tipikusan valamilyen k\u00e1r\u00e9rt vagy \u00e9rt\u00e9kcs\u00f6kken\u00e9s\u00e9rt val\u00f3 elad\u00f3i helyt\u00e1ll\u00e1sb\u00f3l erednek, \u00e9s azt a vev\u0151nek a hitelszerz\u0151d\u00e9s szerint k\u00f6telez\u0151 el\u0151t\u00f6rleszt\u00e9sre vagy a k\u00e1r elh\u00e1r\u00edt\u00e1s\u00e1ra kell ford\u00edtania. A W&I biztos\u00edt\u00e1s alapj\u00e1n a biztos\u00edt\u00f3 ezen kifizet\u00e9sek tekintet\u00e9ben az elad\u00f3 hely\u00e9be l\u00e9p, ez\u00e1ltal az akviz\u00edci\u00f3t finansz\u00edroz\u00f3 bank helyzete is javul az\u00e1ltal, hogy egy t\u0151keer\u0151sebb szerepl\u0151t\u0151l k\u00f6vetelhet\u0151ek az esetleges kifizet\u00e9sek.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Alkalmazand\u00f3 jog szerepe<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Akviz\u00edci\u00f3s hitel eset\u00e9n finansz\u00edroz\u00f3i szempontb\u00f3l kiemelt figyelmet \u00e9rdemel a W&I biztos\u00edt\u00e1sra (biztos\u00edt\u00e1si k\u00f6tv\u00e9nyre) alkalmazand\u00f3, tipikusan, a felek \u00e1ltal kik\u00f6t\u00f6tt ir\u00e1nyad\u00f3 jog. A hitelez\u0151 ugyanis ezen joggal egyez\u0151 jog alatt szeretne biztos\u00edt\u00e9kot kapni az \u00e1ltala finansz\u00edrozott vev\u0151t\u0151l annak \u00e9rdek\u00e9ben, hogy az elt\u00e9r\u0151 jogok alkalmaz\u00e1s\u00e1b\u00f3l fakad\u00f3 esetleges jogi kock\u00e1zatok a finansz\u00edroz\u00e1s kapcs\u00e1n kiz\u00e1rhat\u00f3ak lehessenek. A bank \u00e1ltal elv\u00e1rt, alkalmazand\u00f3 jogot befoly\u00e1solhatja az is, hogy a biztos\u00edt\u00f3val szemben annak esetleges fizet\u00e9sk\u00e9ptelens\u00e9ge eset\u00e9n melyik orsz\u00e1gban kell \u00e9rv\u00e9nyes\u00edteni a biztos\u00edt\u00e9kot.<\/p>

Megjegyezz\u00fck, hogy ide\u00e1lis esetben a W&I biztos\u00edt\u00e1si k\u00f6tv\u00e9nyre (policy) az M&A \u00fcgylettel kapcsolatos r\u00e9szv\u00e9ny\/\u00fczletr\u00e9sz ad\u00e1sv\u00e9teli szerz\u0151d\u00e9sre (SPA) alkalmazand\u00f3 jog ir\u00e1nyad\u00f3, szint\u00e9n az elt\u00e9r\u0151 alkalmazand\u00f3 jogokb\u00f3l ered\u0151 kock\u00e1zatok kiz\u00e1r\u00e1sa \u00e9rdek\u00e9ben. Ez alapj\u00e1n teh\u00e1t azonos a W&I biztos\u00edt\u00f3 \u00e9s a finansz\u00edroz\u00f3 bank megk\u00f6zel\u00edt\u00e9se. \u00cdgy v\u00e9gs\u0151 soron az SPA-ra ir\u00e1nyad\u00f3 jog hat\u00e1rozza meg mind a W&I biztos\u00edt\u00e1sra, mind az akviz\u00edci\u00f3s finansz\u00edroz\u00e1s biztos\u00edt\u00e9kaira ir\u00e1nyad\u00f3 jogot.<\/p>

A fentiekre tekintettel teh\u00e1t m\u00e1r a finansz\u00edroz\u00e1si folyamat megind\u00edt\u00e1sakor figyelemmel kell lenni arra, hogy az M&A \u00fcgyletben sor ker\u00fcl-e W&I biztos\u00edt\u00e1s megk\u00f6t\u00e9s\u00e9re, \u00e9s ha igen, akkor milyen jog alatt annak \u00e9rdekben, hogy az ad\u00e1sv\u00e9teli szerz\u0151d\u00e9s, a biztos\u00edt\u00e1si k\u00f6tv\u00e9ny \u00e9s a biztos\u00edt\u00e9ki szerz\u0151d\u00e9sek azonos jog alatt legyenek. Ellenkez\u0151 esetben el\u0151\u00e1llhat az a nem k\u00edv\u00e1nt helyzet, hogy az azonos alkalmazand\u00f3 jog ir\u00e1nti ig\u00e9nyre csak a banki finansz\u00edroz\u00e1sra ir\u00e1nyad\u00f3 term sheet al\u00e1\u00edr\u00e1sa ut\u00e1n der\u00fcl f\u00e9ny, \u00e9s \u00edgy a term sheet vagy a banki d\u00f6nt\u00e9s ut\u00f3lagos m\u00f3dos\u00edt\u00e1sa sz\u00fcks\u00e9ges, amely jelent\u0151sen megn\u00f6velheti az akviz\u00edci\u00f3s finansz\u00edroz\u00e1s jogi k\u00f6lts\u00e9geit az el\u0151zetesen tervezettekhez k\u00e9pest \u00e9s jelent\u0151s id\u0151vesztes\u00e9ggel j\u00e1rhat. <\/strong><\/p>

A piacon jelenl\u00e9v\u0151 biztos\u00edt\u00f3k k\u00f6z\u00fcl t\u00f6bb is k\u00edn\u00e1l W&I biztos\u00edt\u00e1st magyar jog alatt, \u00edgy erre vonatkoz\u00f3 finansz\u00edroz\u00f3i ig\u00e9ny eset\u00e9n lehet\u0151s\u00e9g van a teljes tranzakci\u00f3s dokument\u00e1ci\u00f3ra (azaz az SPA-ra, a policyre \u00e9s a biztos\u00edt\u00e9ki szerz\u0151d\u00e9sre is) a magyar jogot alkalmazni.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Elad\u00f3 \u00e9s vev\u0151 oldali W&I biztos\u00edt\u00e1sok biztos\u00edt\u00e9ki szempontb\u00f3l<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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A W&I biztos\u00edt\u00e1sokat kett\u00e9 lehet osztani aszerint, hogy a biztos\u00edtott f\u00e9l a vev\u0151 (buy-side policy) vagy az elad\u00f3 (sell-side policy). A nemzetk\u00f6zi piacokon a biztos\u00edt\u00e1sok d\u00f6nt\u0151 t\u00f6bbs\u00e9ge (ipar\u00e1gi forr\u00e1sok szerint t\u00f6bb, mint 95%-a) vev\u0151 oldali W&I: mind a vev\u0151, mind az elad\u00f3 oldal\u00e1r\u00f3l \u00e9rkez\u0151 biztos\u00edt\u00e1si ig\u00e9ny eset\u00e9n ez a megold\u00e1s terjedt el. (ld. az elad\u00f3 \u00e1ltal kezdem\u00e9nyezett, de v\u00e9g\u00fcl a vev\u0151t biztos\u00edt\u00f3 seller-to-buyer flip konstrukci\u00f3t bemutat\u00f3 cikk\u00fcnket<\/a>). \u00a0\u00a0\u00a0<\/p>

A magyar jogi k\u00f6rnyezet elm\u00e9letileg megfelel\u0151 mind a vev\u0151-oldali, mind pedig az elad\u00f3-oldali W&I biztos\u00edt\u00e1s alapj\u00e1n ig\u00e9nyelhet\u0151 k\u00f6vetel\u00e9seken biztos\u00edt\u00e9k alap\u00edt\u00e1s\u00e1ra.<\/p>

Ezzel egy\u00fctt a nemzetk\u00f6zi M&A gyakorlatban az elad\u00f3 oldali biztos\u00edt\u00e1st sokszor a vev\u0151 tudta n\u00e9lk\u00fcl k\u00f6tik meg. \u00cdgy a vev\u0151i oldal eset\u00e9ben az elad\u00f3 SPA alatti k\u00e1rfelel\u0151ss\u00e9g\u00e9t biztos\u00edt\u00f3 W&I biztos\u00edt\u00e1sr\u00f3l a vev\u0151i oldalnak \u00e9s az \u0151ket finansz\u00edroz\u00f3 banknak sok esetben nem is lehet tudom\u00e1suk. A W&I biztos\u00edt\u00e1sokat a hazai akviz\u00edci\u00f3s finansz\u00edroz\u00e1s jelenleg nem igaz\u00e1n veszi figyelembe. A hazai gyakorlat kialak\u00edt\u00e1s\u00e1n\u00e1l teh\u00e1t \u00e9rdemes tekintettel lenni arra, hogy akviz\u00edci\u00f3s finansz\u00edroz\u00e1s eset\u00e9n a finansz\u00edroz\u00e1st \u00e9rtelemszer\u0171en a vev\u0151 kapja, \u00edgy amennyiben a hitelez\u0151i biztos\u00edt\u00e9ki csomag kisz\u00e9les\u00edt\u00e9se is c\u00e9l, akkor finansz\u00edroz\u00f3i szempontb\u00f3l \u00e9rdemes a vev\u0151 oldali W&I biztos\u00edt\u00e1shoz ragaszkodni (hiszen k\u00f6nnyen bel\u00e1that\u00f3, hogy az elad\u00f3 oldali biztos\u00edt\u00e1shoz a vev\u0151t finansz\u00edroz\u00f3 bank k\u00f6zvetlen\u00fcl nem tud re\u00e1lisan hozz\u00e1f\u00e9rni, ugyanakkor az elad\u00f3 teljes\u00edt\u0151k\u00e9pess\u00e9g\u00e9t el\u0151seg\u00edtheti).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Biztos\u00edt\u00e9k alap\u00edt\u00e1s\u00e1val kapcsolatos k\u00e9rd\u00e9sek<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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A magyar jogban k\u00f6vetel\u00e9seken (ide\u00e9rtve a W&I biztos\u00edt\u00e1sb\u00f3l ered\u0151 k\u00f6vetel\u00e9seket) a hitelez\u0151 jav\u00e1ra alap\u00edtott biztos\u00edt\u00e9kk\u00e9nt jelz\u00e1logjog vagy biztos\u00edt\u00e9ki c\u00e9l\u00fa engedm\u00e9nyez\u00e9s mer\u00fclhet fel lehet\u0151s\u00e9gk\u00e9nt. Az sem kiz\u00e1rt, hogy a vev\u0151 \u00e9s a hitelez\u0151 a W&I biztos\u00edt\u00e1sb\u00f3l ered\u0151 k\u00f6vetel\u00e9sek tekintet\u00e9ben mindkett\u0151 biztos\u00edt\u00e9kot megalap\u00edts\u00e1k \u00e9s a hitelez\u0151 a kiel\u00e9g\u00edt\u00e9si jog megny\u00edl\u00e1sa eset\u00e9n v\u00e1lasszon, hogy a biztos\u00edt\u00e9kok k\u00f6z\u00fcl melyiket \u00e9rv\u00e9nyes\u00edti. A jelz\u00e1logjog el\u0151nye, hogy a biztos\u00edt\u00e9k t\u00e1rgy\u00e1nak megfelel\u0151 meghat\u00e1roz\u00e1sa eset\u00e9n a jelz\u00e1logjog automatikusan kiterjed a k\u00f6r\u00fcl\u00edr\u00e1snak megfelel\u0151, de csak a j\u00f6v\u0151ben megk\u00f6t\u00e9sre ker\u00fcl\u0151 W&I biztos\u00edt\u00e1sokra is, ugyanakkor engedm\u00e9nyezni (biztos\u00edt\u00e9ki c\u00e9llal is) csak m\u00e1r l\u00e9trej\u00f6tt szerz\u0151d\u00e9sen alapul\u00f3 k\u00f6vetel\u00e9seket lehet. Tapasztalatunk szerint jelenleg ez ut\u00f3bbi z\u00e1logjogos biztos\u00edt\u00e9k tekinthet\u0151 elterjedtebbnek, \u00f6n\u00e1ll\u00f3an vagy a biztos\u00edt\u00e9ki c\u00e9l\u00fa engedm\u00e9nyez\u00e9ssel egy\u00fcttesen alkalmazva.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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A W&I biztos\u00edt\u00f3 \u00e9rtes\u00edt\u00e9se \u00e9s az \u00e9rtes\u00edt\u00e9s biztos\u00edt\u00f3i z\u00e1rad\u00e9kol\u00e1sa<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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A W&I biztos\u00edt\u00e1si k\u00f6vetel\u00e9sekkel kapcsolatos biztos\u00edt\u00e9ki szerz\u0151d\u00e9s al\u00e1\u00edr\u00e1s\u00e1t k\u00f6vet\u0151en ker\u00fcl sor a W&I biztos\u00edt\u00f3 \u00e9rtes\u00edt\u00e9s\u00e9re a biztos\u00edt\u00e9k alap\u00edt\u00e1s\u00e1r\u00f3l, de ide\u00e1lis esetben a biztos\u00edt\u00f3 m\u00e1r kor\u00e1bban bevon\u00e1sra ker\u00fcl a szerz\u0151d\u00e9sk\u00f6t\u00e9si folyamatban. Az \u00e9rtes\u00edt\u00e9shez a Ptk. \u00e1ltal meghat\u00e1rozott joghat\u00e1sok kiv\u00e1lt\u00e1sa mellett praktikus okokb\u00f3l is ragaszkodnak a hitelez\u0151k: az \u00e9rtes\u00edt\u00e9ssel garant\u00e1lhat\u00f3, hogy a W&I biztos\u00edt\u00f3 igazolhat\u00f3an tudom\u00e1ssal rendelkezzen a biztos\u00edt\u00e9k l\u00e9tez\u00e9s\u00e9r\u0151l \u00e9s v\u00e1llalja, hogy azzal kapcsolatban a felek meg\u00e1llapod\u00e1s\u00e1nak megfelel\u0151en fog elj\u00e1rni k\u00fcl\u00f6n\u00f6sen is a teljes\u00edt\u00e9sek helye vonatkoz\u00e1s\u00e1ban.<\/p>

Annak \u00e9rdek\u00e9ben, hogy az \u00e9rtes\u00edt\u00e9s tartalm\u00e1val kapcsolatban a vev\u0151, a hitelez\u0151 \u00e9s a biztos\u00edt\u00f3 k\u00f6z\u00f6s \u00e1ll\u00e1sponton legyen, \u00e9rdemes m\u00e1r a biztos\u00edt\u00e9ki szerz\u0151d\u00e9sk\u00f6t\u00e9si folyamat sor\u00e1n meg\u00e1llapodni (a v\u00e1lasztott biztos\u00edt\u00e9kt\u00f3l f\u00fcgg\u0151en) a z\u00e1logjogr\u00f3l \u00e9s\/vagy biztos\u00edt\u00e9ki c\u00e9l\u00fa engedm\u00e9nyez\u00e9sr\u0151l sz\u00f3l\u00f3 \u00e9rtes\u00edt\u00e9s sz\u00f6vegez\u00e9s\u00e9ben \u00e9s annak mint\u00e1j\u00e1t mell\u00e9kelni a W&I biztos\u00edt\u00e1si k\u00f6tv\u00e9nyhez. Ez\u00e1ltal biztos\u00edthat\u00f3, hogy a mint\u00e1nak megfelel\u0151 tartalm\u00fa \u00e9rtes\u00edt\u00e9s elk\u00fcld\u00e9sekor a biztos\u00edt\u00f3 az arra vonatkoz\u00f3 tudom\u00e1sulv\u00e9teli nyilatkozatot bels\u0151 j\u00f3v\u00e1hagy\u00e1si folyamat (\u00e9s esetleg m\u00f3dos\u00edt\u00e1si javaslat) n\u00e9lk\u00fcl al\u00e1\u00edrja.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Szerz\u0151k: Boros Gy\u00f6rgy, Szkiba Tam\u00e1s, Juh\u00e1sz Gergely<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\"borosg\"\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\tBoros Gy\u00f6rgy*\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\u00dcgyv\u00e9d,

Senior Associate\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t

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\n\t\t\t\t\t\t\tBoros Gy\u00f6rgy\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\tBoros Gy\u00f6rgy a DLA Piper Hungary finansz\u00edroz\u00e1si csoportj\u00e1nak szenior \u00fcgyv\u00e9dje. Gy\u00f6rgy az elm\u00falt \u00e9vekben struktur\u00e1lt finansz\u00edroz\u00e1s (ide\u00e9rtve akviz\u00edci\u00f3- \u00e9s projektfinansz\u00edroz\u00e1si \u00fcgyleteket is), r\u00e9szv\u00e9nyek \u00e9s hiteljogviszonyt megtestes\u00edt\u0151 \u00e9rt\u00e9kpap\u00edrok els\u0151dleges \u00e9s m\u00e1sodlagos kibocs\u00e1t\u00e1sa, fizet\u00e9sk\u00e9ptelens\u00e9gi elj\u00e1r\u00e1sok \u00e9s p\u00e9nz\u00fcgyi szab\u00e1lyoz\u00e1s ter\u00fclet\u00e9n szerzett szakmai tapasztalatot. \u00dcgyfelei k\u00f6z\u00f6tt megtal\u00e1lhat\u00f3ak nyilv\u00e1nosan m\u0171k\u00f6d\u0151 r\u00e9szv\u00e9nyt\u00e1rsas\u00e1gok, p\u00e9nz\u00fcgyi int\u00e9zm\u00e9nyek, alapkezel\u0151k, valamint az ingatlanszektor, az energetika \u00e9s a p\u00e9nz\u00fcgyi szolg\u00e1ltat\u00e1sok ter\u00fclet\u00e9n m\u0171k\u00f6d\u0151 hitelfelvev\u0151k. \t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tE-mailt k\u00fcld\u00f6k\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\tSzkiba Tam\u00e1s*\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\t\u00dcgyv\u00e9d,

Senior Associate\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t

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\n\t\t\t\t\t\t\tSzkiba Tam\u00e1s\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\tTam\u00e1s a DLA Piper Hungary t\u00e1rsas\u00e1gi jog \u00e9s M&A csoportj\u00e1nak szenior \u00fcgyv\u00e9dje. T\u00f6bb mint 10 \u00e9ves nemzetk\u00f6zi tan\u00e1csad\u00f3i tapasztalattal rendelkezik, jogi mester diplom\u00e1j\u00e1t (LL.M.) a Harvard Egyetemen szerezte. Jelent\u0151s tapasztalattal rendelkezik v\u00e1llalatfelv\u00e1s\u00e1rl\u00e1si (M&A) \u00fcgyekben, k\u00fcl\u00f6n\u00f6sen az energia- \u00e9s p\u00e9nz\u00fcgyi szektorokban, valamint a tranzakci\u00f3s (W&I) biztos\u00edt\u00e1s ter\u00fclet\u00e9n.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tE-mailt k\u00fcld\u00f6k\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\"Juh\u00e1sz\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t

\n\t\t\t\t\t\t\t\tJuh\u00e1sz Gergely\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\t\tTranzakci\u00f3s biztos\u00edt\u00e1si tan\u00e1csad\u00f3\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t
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\n\t\t\t\t\t\t\tJuh\u00e1sz Gergely\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t\tGergely 2011 \u00f3ta foglalkozik tranzakci\u00f3s biztos\u00edt\u00e1sokkal, 2018 \u00f3ta a Risk Finance Brokers Consulting vezet\u0151je, a UlysseRe nemzetk\u00f6zi biztos\u00edt\u00e1si alkusz egy\u00fcttm\u0171k\u00f6d\u0151 partnere.\n\nJogi Diplom\u00e1j\u00e1t 2005-ben a PPKE jogi kar\u00e1n szerezte. 2009-ben szakvizsg\u00e1zott, a Budapesti \u00dcgyv\u00e9di Kamara tagja (jelenleg sz\u00fcnetelteti tev\u00e9kenys\u00e9g\u00e9t). Nemzetk\u00f6zi v\u00e1llalatokn\u00e1l dolgozott Budapesten, Londonban, illetve t\u00f6bb eur\u00f3pai orsz\u00e1gban. 2018 \u00f3ta tranzakci\u00f3s biztos\u00edt\u00e1si tan\u00e1csad\u00f3, t\u00f6bb piacvezet\u0151 alkuszc\u00e9ggel, biztos\u00edt\u00f3val dolgozik egy\u00fcttm\u0171k\u00f6d\u00e9sben a UlysseRe (2014 el\u0151tt: MAI Re) biztos\u00edt\u00e1si alkuszc\u00e9g keretei k\u00f6z\u00f6tt.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\tE-mailt k\u00fcld\u00f6k\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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K\u00e9rd\u00e9se van? Keressen minket bizalommal!<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tKapcsolatfelv\u00e9tel<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t
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K\u00f6vesse LinkedIn oldalunkat!<\/b><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tDLA Piper Hungary<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Kapcsol\u00f3d\u00f3 tartalmaink<\/strong><\/h4>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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\"Szavatossa\u0301gi<\/div><\/a>\n\t\t\t\t
Corporate, M&A | T\u00e1rsas\u00e1gi jog<\/div>\n\t\t\t\t
\n\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tW&I biztos\u00edt\u00e1s: Hitelez\u0151i biztos\u00edt\u00e9k a W&I biztos\u00edt\u00e1son\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Legfrissebb cikk\u00fcnkben a finansz\u00edroz\u00f3i k\u00f6r sz\u00e1m\u00e1ra a W&I biztos\u00edt\u00e1sok hitelbiztos\u00edt\u00e9ki alkalmaz\u00e1s\u00e1val kapcsolatos legfontosabb k\u00e9rd\u00e9seket j\u00e1rjuk k\u00f6r\u00fcl.<\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tTov\u00e1bb \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\n\t\t\tDLA Piper\t\t<\/span>\n\t\t\t\t\n\t\t\t2025-02-19\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t
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\"W&I<\/div><\/a>\n\t\t\t\t
Corporate, M&A | T\u00e1rsas\u00e1gi jog<\/div>\n\t\t\t\t
\n\t\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\n\t\t\t\tW&I biztos\u00edt\u00e1s: a szavatoss\u00e1gi biztos\u00edt\u00e1s alapjai I. r\u00e9sz \u2013 ismeretlen kock\u00e1zatok kezel\u00e9se M&A \u00fcgyletekben\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t
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Az ismeretlen kock\u00e1zatok \u00e9s a W&I biztos\u00edt\u00e1s \u00f6sszef\u00fcgg\u00e9seit mutatjuk be Szkiba Tam\u00e1s, a DLA Piper szenior M&A \u00fcgyv\u00e9dje \u00e9s Anton Schnopper, az Aon tranzakci\u00f3s biztos\u00edt\u00e1si tan\u00e1csad\u00f3ja k\u00f6zrem\u0171k\u00f6d\u00e9s\u00e9vel.<\/p>\n\t\t<\/div>\n\t\t\n\t\t\n\t\t\tTov\u00e1bb \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t

\n\t\t\t\t\t\n\t\t\tDLA Piper\t\t<\/span>\n\t\t\t\t\n\t\t\t2025-01-23\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

Legfrissebb cikk\u00fcnkben a finansz\u00edroz\u00f3i k\u00f6r sz\u00e1m\u00e1ra a W&I biztos\u00edt\u00e1sok hitelbiztos\u00edt\u00e9ki alkalmaz\u00e1s\u00e1val kapcsolatos legfontosabb k\u00e9rd\u00e9seket j\u00e1rjuk k\u00f6r\u00fcl.<\/p>\n","protected":false},"author":1,"featured_media":5139,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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