O que são CRAs (Certificados de Recebíveis do Agronegócio)?

por: SobreMoney Foto: Canva

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[{"selector":"#anim-94171376-be21-4a2c-8193-a886e74b80cc","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8cfff330-6770-4161-a35f-b34eb945d935","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-106bcc31-bb12-438c-b4c0-dc3041575dbb","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-83ab99ba-9432-47e8-bf3d-9d412926297c","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e936d424-6d7b-4446-b5fd-c439560621d2","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b7170f69-82f7-41ab-b8e8-c8698e340530","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Produtores rurais vendem seus direitos creditórios a uma securitizadora, que emite CRAs e antecipa o pagamento aos credores. Seta

[{"selector":"#anim-bf6d9694-f493-45c8-891a-ce5520ca098f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8160fddb-2d05-400e-9c7f-dd4d90c6f1ae","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a0e78d1e-0bb8-4747-9426-22608db1c51e","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-71200ef8-29f6-42d1-a15e-20a5a3cf6a24","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d81ae606-291f-4df1-832d-d41da13fe4aa","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e29e75fa-dc57-44b9-a8cf-9a11d1994a87","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Podem ser prefixados, pós-fixados ou híbridos, dependendo da estrutura de remuneração. Seta

[{"selector":"#anim-15185e45-88ee-4127-ba6b-923e814134f8","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5448fab8-d54b-41a7-b6f2-0a987cbb1a9d","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-472c38c5-fa0a-46c2-8f7e-87641a310cb6","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b1ca756f-ed5f-44ae-97b5-cfecc40b9a21","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-24a9dd2d-26ed-4e0a-85c0-87c0c7ad40e8","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d5acf850-cc9b-42c2-b863-5fc145341734","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Proporciona liquidez para produtores, oferece isenção de impostos para investidores e distribui risco de crédito. Seta

[{"selector":"#anim-0a965550-2174-40ab-8dea-517fcc4ae6c6","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a9dff7f9-786d-4da7-bbf8-4810443f7011","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6deae004-f507-423b-bfbb-1d0ba01a9eee","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2942348b-dc99-4800-a34b-6702d7854f88","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-34421cb6-fcdb-4599-86f7-a7b0cb95c7eb","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-01f17b6d-3289-4cb8-9d1c-6ddb34ea7955","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] Incluem risco de crédito (calote dos devedores) e liquidez (dificuldade na venda antecipada). Seta

[{"selector":"#anim-800871a3-ed0d-418f-87f5-698017b5e999","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e52d6ae4-c32f-4c12-834c-9caad8d5dfbf","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-41c5d647-9272-4069-be96-31f85a9267fd","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f68feb43-312e-433d-b3a3-071923acb4e9","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f05be7ae-8d34-45de-9547-81c47b8a876d","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c98888a6-a10f-4229-987c-e7477b802377","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] CRIs são relacionados ao setor imobiliário, enquanto CRAs são específicos para o agronegócio. Seta

[{"selector":"#anim-b1058071-a9bf-4dab-adde-f55b5cd07ea5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b7ab3abe-5ba3-4622-a31b-c07632ce4879","keyframes":{"transform":["translate3d(84.42623%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2d4f7bc2-7368-49b2-b4d7-499e14f30626","keyframes":{"opacity":[0,1]},"delay":400,"duration":3500,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-348af2f3-f13e-4e3f-9ed7-ab3e0c2bb47b","keyframes":{"transform":["translate3d(-200.36497%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ab193779-16e2-4664-954f-2885b7835fbe","keyframes":{"opacity":[0,1]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9dd4d7aa-fe23-460d-b9bd-af1be364d8b7","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":5000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] CRAs são uma boa opção de financiamento para o agronegócio, mas exigem atenção aos riscos associados. Seta

[{"selector":"#anim-8deaebde-4c45-4da3-83fa-dfe7a535d4ed","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-30cfe7c8-af74-4367-a969-0852dbbeff79","keyframes":{"transform":["translate3d(0px, -1557.48909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e920b792-f6a8-46f8-8363-0978e91fc97e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-82826dbf-7bcc-4747-9fd9-99d280237cda","keyframes":{"transform":["translate3d(0px, 1655.55596%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Foto: Canva LEIA MAIS EM SOBREMONEY.COM.BR Seta