Kredyt na samochód - Regulators

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).

Top: Society: Government: Finance: Regulators

Insurance (89)

Canada (6)
United States (70)

United Kingdom@ (11)

See also:

This category in other languages:

French (16)

Russian (2)

Spanish (22)

Anguilla - Financial Services Department - Includes ACORN, Anguilla's Commercial Online Registration Network, by which companies can be registered.
Argentina - Comisón Nacional de Valores - The National Securities Commission of the Argentine Republic ensures the transparency of Argentina's securities markets, watches over the market price formation process and thus protects investors.
Australian Prudential Regulatory Authority - APRA is the prudential regulator of banks, insurance companies and superannuation funds, credit unions, building societies and friendly societies.
Australian Securities and Investment Commission - Enforces company and financial services laws to protect consumers, investors and creditors; regulates and informs the public about Australian companies, financial markets, financial services organisations and professionals who deal and advise in investments, superannuation, insurance, deposit taking and credit.
Austrian Financial Market Authority - Combines the former regulatory roles of the Federal Ministry of Finance and the Austrian Securities Authority (Bundes-Wertpapier-Aufsicht).
Bangladesh - Securities and Exchange Commission - Mission is to protect the interests of securities investors; develop fair, transparent and efficient securities markets; and ensure proper compliance with securities laws.
Belgium - Banking, Finance and Insurance Commission - The single supervisory authority for the Belgian financial sector.
Brazil - Securities and Exchange Commission of Brazil - Comissão de Valores Mobiliários, with a section of regulations of interest to foreign investors.
Bulgaria - Financial Supervision Commission - Unifies the regulatory functions formerly performed by the former State Securities Commission, the State Insurance Supervision Agency and the Insurance Supervision Agency.
Chile - Superintendencia de Valores y Seguros - The Chilean securities and insurance regulator, with copies of most financial laws, and more content in Spanish.
China Securities Regulatory Commission - The CSRC is the executive branch of State Council Securities Commission, which is the central market regulation authority.
Danish Financial Supervisory Authority - The Finanstilsynet attends to the financial regulation in Denmark, and is an institution under the responsibility of the Minister for Economic Affairs.
El Salvador - Superintendencia de Valores de El Salvador - Superintendence of Securities, the regulator of the securities market in El Salvador.
Estonia - Finantsinspektsioon - Papers and rules by the Financial Supervision Authority, an autonomous agency of the Bank of Estonia.
Financial Action Task Force on Money Laundering - Inter-governmental body developing and promoting policies to combat money laundering and terrorist financing. Includes a summary of the FATF country evaluations.
Finland - Financial Supervision Authority - Supervises about five hundred entities in Finland, including banks, brokerage firms, stock and derivatives exchanges, and management companies for mutual funds. Operates in connection with the Bank of Finland but is an independent decision making body.
France - Autorité des marchés financiers - A subset of the notices and rules are available in English, most only in French.
Germany - Bundesanstalt für Finanzdienstleistungsaufsicht - BaFin, the Germany's Federal Financial Supervisory Authority.
Gibraltar - Financial Services Commission - Statutory body corporate established by the 1989 Financial Services Commission Ordinance.
Guernsey Financial Services Commission - Objective is to protect the public against financial loss due to dishonesty, incompetence or malpractice, and to protect and enhance the reputation of the Bailiwick as a financial centre.
Hong Kong - Office of the Commissioner of Insurance - Regulatory body set up for the administration of the Insurance Companies Ordinance.
Hong Kong - Securities and Futures Commission - Unified regulator for Hong Kong's financial markets.
Hungarian Financial Supervisory Authority - Also known as Pénzügyi Szervezetek Állami Felügyelete.
Iceland - Financial Supervisory Authority - The Fjármálaeftirlitsins is responsible for the official regulation and supervision of financial operations in Iceland.
India - Securities and Exchange Board of India - SEBI protects the interests of investors in securities and promotes the development of the securities market through appropriate regulation.
International Organization of Securities Commissions - Has as members the individual securities regulators.
Isle of Man - Financial Supervision Commission - Manx body responsible for the licensing and supervision of banks, building societies, investment business, collective investment schemes and corporate service providers.
Italy - Commissione Nazionale per le Società e la Borsa - CONSOB is the public authority responsible for regulating the Italian securities market, the activity of which is aimed at the protection of the investing public.
Japan - Financial Services Agency - The FSA is responsible for ensuring the stability of the financial system in Japan, protection of depositors, insurance policy-holders and securities investors.
Latvia - Securities Markets Commission of the Republic of Latvia - Ensuring overall stability in the financial and capital markets.
Malaysia - Labuan Offshore Financial Services Authority - Deeply committed to the objective of turning Labuan into a full-fledged and premier international offshore financial centre in the world, perhaps second to none in Asia.
Malaysia - Securities Commission of Malaysia - Combined Malaysian regulator with the aim of protecting the investor, and encouraging and promoting the development of the securities and futures markets in Malaysia.
Mauritius - Financial Services Commission - The regulatory authority which licenses, regulates and supervises non-bank financial institutions in Mauritius.
Namibia Financial Institutions Supervisory Authority - With information about the legal position of NAMFISA, its consumer education bulletins, and an online complaints form.
Netherlands - Pensions and Insurance Supervisory Authority of the Netherlands - Pensioen + Verzekeringskamer (PVK) is responsible for the supervision of insurance companies and pension funds in the Netherlands.
Netherlands Authority for the Financial Markets - Autoriteit Financiële Markten. Includes a warning list of those known to be offering financial services without proper authorization.
New Zealand - Securities Commission of New Zealand - To encourage, promote and facilitate good securities and corporate practice and to discourage malpractice, both in the promotion of securities and in the management of investors' funds.
Norway - Banking, Insurance and Securities Commission of Norway - The Kredittilsynet, with limited content in English, mostly in Norwegian.
Panama - Superintendencia de Bancos - Some information in English, mostly in Spanish.
Papua New Guinea - Securities Commission of Papua New Guinea - The SCPNG is a division of the Investment Promotion Authority.
Portuguese Insurance Institute - Instituto de Seguros de Portugal is the body that controls and supervises the business of insurance and reinsurance, pension funds and brokerage.
Portuguese Securities Market Commission - The Comissão do Mercado de Valores Mobiliários, the CMVM, is supervises and regulates securities and other financial instruments markets, as well as those who operate within said markets.
Puerto Rico - Office of the Commissioner of Financial Institutions - Responsible for supervising and regulating Puerto Rico's financial sector to guarantee the safety and soundness of the financial system as well as assure compliance with the industry's laws and regulations.
Russia - Federal Financial Markets Service - FFMS, the federal executive body that supervises the financial markets, and regulates pension savings. Maintains stability in the financial markets, makes the markets efficient and attractive to investors, and increases market transparency thereby reducing investment risks.
Society of Financial Examiners - Professional society for examiners of insurance companies, banks, savings and loans, and credit unions.
South Africa - Financial Services Board - Regulating insurers, intermediaries, retirement funds, friendly societies, unit trust schemes, management companies, and financial markets.
South Korea - Korea Financial Supervisory Commission - Lists recent proposals and initiatives, with links to English versions. More in Korean.
Swedish Financial Supervisory Authority - Finansinspektionen is responsible for supervising companies in the insurance, credit and securities markets.
Switzerland - Federal Office of Private Insurance - The task of the Bundesamt für Privatversicherungen is to ensure that private insurance companies are able to meet their obligations towards insured parties at all times.
Switzerland - Swiss Federal Banking Commission - Also known by its German-language initials, EBK. Supervises banks, investment funds, mortgage bond issuance, stock exchanges and securities dealers, and disclosure of shareholdings and public takeover bids.
Thailand - Office of the Securities and Exchange Commission - Supervises Thailand's capital markets.
Turkey - Capital Markets Board of Turkiye - The regulatory and supervisory authority in charge of the securities markets in Turkey
United Kingdom - Financial Services Authority - Regulator of all providers of financial services in the UK; Bank of England retains responsibility for systemic risk.

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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.