Los perjuicios patrimoniales de las fianzas de seguro en la contrataci?n p?blica paname?a

 

Authors

Bonilla, Amilcar

Format

Article

Status

publishedVersion

Description

El objetivo de la investigaci?n consiste en demostrar que las garant?as de contratos expedidas por las compa??as de seguro en Panam?, no representan efectividad en caso de incumplimiento del contrato por parte del deudor principal. El estudio aplica la t?cnica de la entrevista a treinta abogados, de ministerios y de las entidades aut?nomas que comprenden el noventa y cinco por ciento de todos los contratos p?blicos que celebra el Estado. En el informe del Contralor del 1? de noviembre de 2018 al 31 de octubre de 2019, aparecen atendidos en ese per?odo 1,259,728 contratos, convenios y acuerdos por un monto de B/22,182,634,866.00 (p?g.48), solo para tener una idea de la cantidad y su monto. Se incluye en el an?lisis los perjuicios patrimoniales de las fianzas de seguro planteados en el t?tulo como variable independiente y la contrataci?n p?blica paname?a como variable dependiente que se complementan en esta investigaci?n. Al aplicar la entrevista se muestran gu?as por parte del autor y hace un an?lisis de datos cualitativos al recolectarlos y valorarlos. Como hallazgos de la investigaci?n encontramos que el Estado adelant? 31 millones de d?lares a la empresa Hidalgo & Hidalgo, garantizado con una compa??a de seguros que no ha honrado su obligaci?n como fiadora. El Art?culo 111 de la Ley 61 de 2017 se refiere a la constituci?n de fianzas: en efectivo, en t?tulos de cr?ditos del Estado, en fianzas emitidas por compa??as de seguros o mediante garant?as bancarias o en cheques certificados o de gerencia y llegamos a determinar que m?s del 90% de las garant?as se constituyen con aseguradoras, porque la Contralor?a le ha autorizado un formato de tres p?ginas de concesiones que las libera de su responsabilidad. La garant?a bancaria cubre media p?gina donde se identifican las partes, montos, garant?a y vigencia hasta que se termine el proceso, obra o servicios, sin m?s condiciones que la de pagar. Concluimos que las fianzas de Compa??as de seguro no han representado ning?n beneficio para el Estado paname?o y le han ocasionado millones de d?lares en p?rdidas.
The objective of the investigation is to demostrate that the contract guarantees issued by the insurance companies in Panama are not effective in regards to cases of breach of contract by the main deptor. The study applies the interview technique to thirty lawyers, from ministries and from autonomous entities, that comprise ninety-five percent of all public contracts that the state enters into. In the comptroller?s report from November 1, 2018 to October 31, 2019, 1,259,728 contracts, covenants, and agreements in the amount of B/22, 182, 634, 866.00 (page 48) were attended to in that period, just to give you an idea of the sheer number we?re dealing with and the total amount. The analysis includes the capital losses of the insurance bonds set forth in the title as an independent variable and in Panamanian public procurement as a dependent variable, which are complemented in this investigation. When applying the interview, guides are shown by the authors and he makes an analysis of cualitative data when collecting and evaluating them. The finding during this investigation show the State gave an advance of 31 million dolars to the Company Hidalgo & Hidalgo, guaranteed with an insurance Company that has not honored its obligation as guarantor. Article III of law 61 of 2017 refers to the Constitution of sureties: in cash, in government credits, in sureties issued by insurance companies, or by bank guarantees or certified or cashier?s cheks. It is determined that more than 90% of the guarantees are made whit insures, because the comptoller?s office has authorized a three-page concession format that releases them from their responsibility. The bank guarantee is half a page explaining in detail the parts, amounts, guarantee, and everything that will be covered until the process, work, or services are completed, with no conditions other than payment. The results of the investigation include that the surities of insurance companies have not represented any benefit for the panamanian state and have caused millions of dollars in losses.

Publication Year

2020

Language

spa

Topic

Patrimonio
Fianza
Contrataci?n
Seguro

Repository

RI de la Universidad Metropolitana de Educación, Ciencia y Tecnología

Get full text

https://repositorio.umecit.edu.pa/handle/001/4146
https://doi.org/10.37594/cathedra.n12.374
https://repositorio.umecit.edu.pa

Rights

openAccess

License

Atribuci?n-NoComercial 4.0 Internacional (CC BY-NC 4.0)