Legal Analysis of Bank Compliance in Implementing the Principle of Prudence in Credit with Trade Receivables Fiduciary Guarantee

prudential principle is a fundamental pillar in maintaining the stability and security of bank finances, especially in the distribution of credit with fiduciary guarantees for trade receivables. Credit secured by trade receivables has special characteristics that require a more in-depth risk evaluation, given the intangible nature of receivables and dependence on the ability of third parties to pay. This study discusses how the prudential principle is applied by banks in the process of creditworthiness analysis, assessing the quality of trade receivables as collateral, and managing related risks, including liquidity, default, and legal risks. In addition, this study highlights the importance of fiduciary registration and complete legal documentation to protect banks from potential legal disputes and ensure effective collateral execution in the event of default. By implementing strict prudential principles and comprehensive risk management, banks can minimize the risks associated with the distribution of credit guaranteed by fiduciary on trade receivables, thereby maintaining their financial and operational stability.