Kredyt na samochód - Third Party Administrators
Stroną dominującą w stosunku kredytowym wobec kredytobiorcy jest bank, który określa warunki kredytu i jest uprawniony do kontroli jego wykorzystania oraz uzależnia przyznanie kredytu od zdolności kredytowej, przy czym nie jest zobowiązany do udzielenia kredytu, nawet jeżeli osoba ubiegająca się o kredyt ją posiada.
Kredyt preferencyjny - kredyt z dopłatami budżetu państwa wykorzystywany jako instrument sterowania rolnictwem. Stanowi pośrednią formę dofinansowania rolnictwa z budżetu państwa. Minusy: zniekształcają rachunek ekonomiczny i nie zabezpieczają przed wykorzystaniem środków.
Kredyt bankowy - operacja polegająca na postawieniu przez bank do dyspozycji kredytobiorcy na czas oznaczony określonej kwoty środków pieniężnych, z przeznaczeniem na określony cel. Kredytobiorca zobowiązuje się do korzystania z kredytu na warunkach określonych w umowie, zwrotu kwoty wykorzystywanego kredytu wraz z odsetkami w określonym terminie spłaty oraz zapłaty prowizji od udzielonego kredytu.
W zależności od okresu kredytowania wyróżniamy kredyty krótkoterminowe (do 1 roku), średnioterminowe (od 1 roku do 3 lat) i długoterminowe (powyżej 3 lat).
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Kredyt towarowy (zwany również kupieckim lub handlowym) to postawienie do dyspozycji towarów będących przedmiotem wymiany rynkowej. Występuje on wówczas, gdy normalna transakcja kupna-sprzedaży przekształca się w stosunek kredytowy ze względu na odroczenie terminu zapłaty. Kredyt umożliwia prowadzenie działalności handlowej w sytuacji, gdy potencjalni nabywcy nie mają wystarczających środków finansowych, aby kupić towar w momencie oferowania go do sprzedaży, a równocześnie sprzedawcy nie mogą znaleźć nabywców, którzy mogliby natychmiast zapłacić im gotówką.
Kredyt preferencyjny - kredyt z dopłatami budżetu państwa wykorzystywany jako instrument sterowania rolnictwem. Stanowi pośrednią formę dofinansowania rolnictwa z budżetu państwa. Minusy: zniekształcają rachunek ekonomiczny i nie zabezpieczają przed wykorzystaniem środków.
Kredyt bankowy - operacja polegająca na postawieniu przez bank do dyspozycji kredytobiorcy na czas oznaczony określonej kwoty środków pieniężnych, z przeznaczeniem na określony cel. Kredytobiorca zobowiązuje się do korzystania z kredytu na warunkach określonych w umowie, zwrotu kwoty wykorzystywanego kredytu wraz z odsetkami w określonym terminie spłaty oraz zapłaty prowizji od udzielonego kredytu.
W zależności od okresu kredytowania wyróżniamy kredyty krótkoterminowe (do 1 roku), średnioterminowe (od 1 roku do 3 lat) i długoterminowe (powyżej 3 lat).
Top: Business: Financial Services: Insurance: Third Party Administrators
See also:
- Business: Business Services: Outsourcing (227)
- Business: Financial Services: Insurance: Claims: Insurance Industry Support (76)
- Business: Financial Services: Insurance: Consulting (36)
- Business: Healthcare: Case Management: Providers (40)
- American Administrators - A provider of benefits administration for self-funded employee benefit plans. Located in Iowa, USA.
- Association Group Insurance Administrators (AGIA) - Insurance administrator providing group insurance administration to the business community. Offices in Arizona, California and Minnesota.
- Atlantic Risk Management, Inc. (ARM) - Delivers claim administration and loss prevention services throughout the USA. Specializes in commercial transportation including auto, truckers, cargo, property, general liability, and workers' compensation.
- Automated Administration Services Inc. (AAS) - Located in Ontario, Canada; specializes in employee benefit plan administration of traditional and ASO benefit programmes.
- Beneficial Administration Company - A USA-national independent third party administrator (TPA) of medical, dental, vision, life and disability programs. [requires Flash plugin]
- Benefit Management Systems, Inc. (BMS) - Third party administrator for self-funded health benefit plans. Located in Mississippi, USA, and serves several states.
- Benefit Plan Services, Inc. (BPS) - Provides administrative and consulting services to employers that self-fund their employee benefit plans. Located in North Carolina, USA.
- BeniComp, Inc. - Specializes in health coverage, mortgage lending, and insurance products to consumers, professionals, and businesses. Located in Indiana, USA. [English, some documents in Spanish]
- Business Administrators & Consultants, Inc. - A professional third party contract administrator providing a full range of administrative and claims services for health and welfare benefit plans and cafeteria plans. Has offices in Ohio, Indiana, and Texas, USA.
- Claim Management Services, Inc. - Third party administrator (TPA) specializing in customized self-funded employee health benefit plans offering a variety of insurance management services throughout the USA.
- Claims Management, Inc. - Licensed in California, USA, as a TPA; administers workers' compensation and long-term disability claims for self-insured entities and unbundled-claims service for insurance companies and rent-a-captives.
- Coastal Administrative Services, Inc. - A TPA located in Washington with the focus on self-insurance. Medical, dental, vision, MSA plans, FLEX, Section 125 and Cafeteria plans are offered.
- CobraAid - Provides a complete COBRA manual with all forms, plus 60 minutes of toll free consultation each year.
- Compliance Research Services (CRS) - An insurance regulatory and compliance consulting firm providing insurance compliance, regulatory filing, and third party administrator (TPA) licensing services throughout the USA.
- Cornerstone Preferred Resources - A Texas based, national Third Party Administrator for self-funded employers. Develops employee benefit and claims administration programs to meet the specific needs of each client.
- D & H Alternative Risk Solutions - Third party claims administration and risk management, for traditional and self-insurance. Specializes in workers' compensation and occupational accident claims.
- Direct Reimbursement - Provider of self-funded direct reimbursement dental plans.
- Direct Response Insurance Administrative Services, Inc. (DRIASI) - An administrator for group plans of banks and other financial organizations. Provides claims, customer service, billing, and collection and fulfillment services.
- Disability Management Services, Inc. (DMS) - An independent, full-service third-party administrator and consulting firm, specializing in the management of individual disability insurance claims.
- Diversified Management Group - Workers compensation, ergonomics, and vocational rehabilitation services covering the entire state of California.
- Eagle Claims - An administrator of workers' compensation and short term disability claims, licensed in Michigan and Indiana, USA.
- Employee Benefit Management Services, Inc. (EBMS) - A benefit administration and management company. Has offices in Montana, Oregon, and Utah, USA. Site describes services and lists PPOs associated with the firm.
- Employers Claim Service - A third party administrator for Illinois, USA, employers who self-insure their workers' compensation.
- F. A. Richard & Associates, Inc. - Provides third party administration (TPA) and operational services, including risk management and health plan benefits, to P&C insurers, self-insured, and government entities.
- Fleet Claims Administration, Ltd. - Provides a motor claims handling facility for self-insured fleets in the United Kingdom.
- GeniSystems.ca Services - Specializes in business process outsourcing solutions for the life insurance industry. Services include underwriting, customer service, and claims. [site may not function in all modern browsers]
- George Michael & Associates, Inc. (GM&A) - Texas, USA, firm specializes large group health plans, both self-funded and fully insured.
- Health India - An IRDA licenced third party administrator for corporate employee wellness programmes and insurance-based health coverage plans. A subsidiary of Bhaichand Amoluk Insurance Services Pvt Ltd.
- Health Plan Administrators, Inc. (HPA) - A third party administrator operating throughout the USA. Specializes in those with non-traditional jobs, as well as people in career transition.
- Healthcare Management Administrators, Inc. (HMA) - Third party administrator located in Bellevue, Washington, USA. Administers self-insuring groups of 100 or more employees.
- Healthcomp - Includes company history, details of services, and job openings. Offices in Fresno California, Seattle Washington, and Reno Nevada.
- Infinisource - Services throughout the USA include COBRA administration, seminars, and premium collection. Formerly COBRA Compliance Systems.
- Insurance Design Administrators (IDA) - Designer and administrator of self-funded benefit plans in New Jersey, USA. Site includes descriptions of services, the claims system, and the self-funded concept.
- Insurance Specialists, Inc. - Third party administrator of insurance programs for associations in Georgia, Alabama, and California, USA. Services include term and supplemental life, major medical, and disability.
- Interactive Medical Systems - Third party administrator provides claims processing, reporting, and consulting services for employee benefit programs. Located in North Carolina, USA.
- Marsh Advantage America - A service of Seabury & Smith, Inc., designs, manages and administers insurance programs for businesses, associations and affinity groups, educational institutions, non-profits, and individuals.
- The Maxon Company - Providing services for the professional management of various styles of employee medical benefit programs. Also offers outsourcing of any health or pension-related insurance product.
- MES Vision - Administrator of supplemental eyecare insurance plans for healthcare provider networks and employer groups. Offers claim processing and payment.
- National Marketing and Administration - A full-service third-party administrator which provides plan administration and management services to self-funded employers, HMOs, and insurance companies. Licensed and bonded in most of the USA.
- National Plan Administrators, Inc. (NPA) - Specializes in the administration of Section 125 cafeteria plans and supplemental insurance plans for several major insurance companies in the USA.
- Neuman Claims Administrators, Inc. - Offers both insured and self-insured workers' compensation and disability benefits services in New York, USA. Serves primarily contractors, manufacturers and building material dealers. [may not function in all modern browsers]
- North American Health Plans, Inc. - [USA] Specializing in the administration of self-funded healthcare plans and claims services to HMOs and insurers. It also offers outsourcing to the healthcare industry as an application service provider.
- Northwest Administrators, Inc (NWA) - Based in Washington, USA, the company works in the field of pension and health and welfare employee benefit administration. Site includes newsletter and career information. [may not function in all modern browsers]
- Performax - A national company headquartered in Maryland, USA. Offers employee health and benefits plans, custom designed to support each client's business objectives.
- Polaris Benefits Administrators - A third party administrator specializing in self funding of benefits for pharmacy, mail order, stop loss, reinsurance, and insurance services. Located in Westerville, Ohio, USA.
- POMCO - Provides self-insured clients with comprehensive professional benefits administration solutions. Located in central New York, USA.
- q3 Business Technology Corporation - A full service third party administrator for self-funded plans. Located Indiana, USA, and operates in a number of midwestern and southeastern states. It is compensated on a fee-only basis, leaving full commissions to the producers.
- RH Administrators - Administers health and life benefit plans, including claims processing. Licensed in Texas, USA.
- Rockville Risk Management Associates, Inc. - A third party administrator located in New York and providing services throughout the USA. Offers property-related claims management, audits, trial preparation and subrogation.
- Self Insured Benefit Administrators (SIBA) - Third party administration for employers who have chosen to self fund their employee benefit plans. Located in Florida; services available throughout the USA. A subsidiary of the FNB Corporation.
- Sheffield Olson & McQueen - Administrators of employee benefit plans, especially medical, dental, and disability. Description of their services to United States employers. Forms for employers, employees, and health care providers.
- Smith Administrators - Designs, implements, and manage employee benefit programs for hundreds of companies throughout the world. Offices in Utah and Texas, USA.
- Society of Professional Benefit Administrators (SPBA) - The national association of Third Party Administration (TPA) firms who are contracted to administer employee benefit plans on an ongoing basis.
- United Group Programs, Inc. - Health plan administrator firm located in Florida, providing services throughout the USA. Site describes the firm and its programs, and offers an online newsletter.
- United Medical Resources, Inc. (UMR) - [USA] An independent national third party administrator for self-funded health benefit plans.
- The Vita Companies - Three companies in one, specializing in executive and employer benefits, welfare plan compliance and administration, and personal insurance and investment planning.
- Wakely and Associates, Inc. - An online third party administrator (TPA) to the health insurance industry offering actuarial consulting, claims adjudication, and preparation of reserves and financial statements.
- Wausau Benefits, Inc. - [USA] A health plan administrator and manager for self-funding employers. Site describes the company, its products and services, and a web tour of its offerings.
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filmy kioski internetowe Przeprowadzki Katowice torby bawełniane Suknie Ślubne
Kredyt towarowy (zwany również kupieckim lub handlowym) to postawienie do dyspozycji towarów będących przedmiotem wymiany rynkowej. Występuje on wówczas, gdy normalna transakcja kupna-sprzedaży przekształca się w stosunek kredytowy ze względu na odroczenie terminu zapłaty. Kredyt umożliwia prowadzenie działalności handlowej w sytuacji, gdy potencjalni nabywcy nie mają wystarczających środków finansowych, aby kupić towar w momencie oferowania go do sprzedaży, a równocześnie sprzedawcy nie mogą znaleźć nabywców, którzy mogliby natychmiast zapłacić im gotówką.