Kredyt na samochód - United States

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: United States

Workers' Compensation@ (20)

See also:

Alabama Department of Insurance - Has separate divisions for producer licensing, life and health, receivership, property and casualty, financial examiners, and the fire marshal.
Alaska Division of Insurance - Part of the Alaska Department of Community and Economic Development. Develops, interprets, and enforces the insurance statutes and regulations; protects and educates the consumer; and enhances the insurance business environment.
Arizona Department of Insurance - Executes the state insurance laws in a manner that protects insurance consumers and encourages economic development. [consumer content available in English and Spanish]
Arkansas Insurance Department - State regulatory authority for the insurance industry in Arkansas
California Department of Insurance - Works to foster an insurance market that is fair, competitive and accessible to all Californians. Site designed to assist consumers, aid in the licensing of insurance agents or brokers, and serve as a source of information on insurance law.
Colorado Division of Insurance - State regulatory authority for the insurance industry in Colorado.
Connecticut - State of Connecticut Insurance Department - Seeks to communicate with and serve the public as well as those it regulates in the most efficient and responsive manner.
Delaware Insurance Department - State regulatory authority for the insurance industry in Delaware.
District of Columbia Department of Insurance and Securities Regulation (DISR) - Provides content for both consumers and the industry. Includes news, forms, licensing information, and filing requirements.
Florida Division of Rehabilitation and Liquidation - Part of the Department of Financial Services, but separate from the Office of Insurance Regulation. Liquidator and rehabilitator of insolvent insurance companies.
Florida Office of Insurance Regulation - Part of the Department of Financial Services. Responsible for regulation, compliance, and enforcement of statutes related to the business of insurance and the monitoring of industry markets.
Georgia Insurance and Safety Fire Commissioner - State regulatory authority for the insurance industry in Georgia. [some content available in Spanish]
Idaho Department of Insurance - State regulatory authority for the insurance industry in Idaho.
Illinois Department of Insurance - Protects the rights of Illinois citizens in their insurance transactions and monitors the financial solvency of all regulated entities.
Illinois Office of the Special Deputy Receiver - Statutory Receiver of insurance companies incorporated or organized under Illinois law which the state court has found to be insolvent, in a hazardous condition, or meets one of the other grounds for conservation, rehabilitation or liquidation.
Indiana Department of Insurance - Protects Indiana's insurance consumers by monitoring and regulating the financial and market conduct activities of insurance companies and agents.
Iowa Insurance Division - State regulatory authority for the insurance industry in Iowa.
Kansas Insurance Department - Regulate and reviews companies, educates and assists consumers, and licenses agents.
Kentucky Department Of Insurance - A division of the Public Protection and Regulation Cabinet. State regulatory authority for the insurance industry. Site includes news and sections for consumers, agents, and companies.
Louisiana Department of Insurance - State regulatory authority for the insurance industry in Louisiana.
Maine Bureau of Insurance - State regulatory authority for the insurance industry in Maine.
Maryland Insurance Administration - Independent State agency that regulates Maryland's insurance industry and protects consumers by ensuring that insurance companies and health plans act in accordance with insurance laws.
Massachusetts Division of Insurance - Monitors the solvency of its licensees in order to promote a healthy, responsive and willing marketplace for consumers who purchase insurance products.
Michigan Office of Financial and Insurance Services (OFIS) - State regulatory agency for insurance companies, banks, and other financial businesses. Consumer and business information, online publications. Extensive database of statutes, rules and regulations.
Minnesota Department of Commerce - Insurance Portal - Information and instructions for insurance companies and licensed professionals. Access is portalized, providing a virtual site for insurance regulation.
Mississippi Department of Insurance - Impartially enforces the laws and regulations to create a competitive marketplace for the sale of insurance products and services while protecting the State's consumers.
Missouri Department of Insurance - State regulatory authority for the insurance industry in Missouri. Site offers news, consumer complaints, and information on the industry and related laws.
Montana State Auditor Office - Insurance Division - Regulates the third largest industry in Montana.
Nevada Insurance Commissioners Office - Also known as the Division of Insurance, it regulates insurance companies and agents in Nevada.
New Hampshire Insurance Department - State regulatory authority for the insurance industry in New Hampshire.
New Jersey Department of Banking and Insurance (DOBI) - State regulator of the banking, insurance, and real estate industries. Convenient sections for consumers, insurance industry, banking industry, etc.
New York State Insurance Department - Responsible for supervising and regulating all insurance business in New York State.
North Carolina Department of Insurance - The Commissioner and the Department of Insurance regulate the various kinds of insurance sold in North Carolina and the companies and agents that sell it.
North Dakota Department of Insurance - Protects the public good by fairly and effectively administering the laws of North Dakota.
Ohio Department of Insurance - State regulatory authority for the insurance industry in Ohio.
Oklahoma Insurance Department - Serve and protect the insurance buying public by assuring that consumers have available a solvent insurance market, a well-educated industry from which to purchase insurance, and by providing high-quality policyholder service and education.
Oregon Insurance Division - Part of the Department of Consumer and Business Services, the Insurance Division ensures the financial soundness of insurers, the availability and affordability of insurance, and fair treatment of policyholders and claimants. [some content available in Spanish]
Pennsylvania Insurance Department - State regulatory authority. Site provides information for consumers, producers, and the insurance companies themselves.
Pennsylvania Insurance Fraud Prevention Authority (IFPA) - Works to eliminate fraud in the insurance industry. Site describes types of fraud, and offers consumer information and Pennsylvania statistics.
Rhode Island Division of Insurance Regulation - Part of the Department of Business Regulation. Offers regulations, licensing, bulletins, and consumer guides.
South Dakota Division of Insurance - Part of the Department of Revenue and Regulation. Provides information for consumers as well as content directed at the industry.
Tennessee Insurance Division - Part of the Department of Commerce and Insurance. Provides extensive content for both the industry and consumers.
Texas Department of Insurance - Regulates the state's insurance industry, encouraging competition to make insurance available and affordable. [some content available in Spanish]
Utah Insurance Department - Protects the public and consumers of insurance products by reasonably and fairly regulating the Utah insurance industry; by fostering a competitive insurance market in the state and by monitoring and promoting the solvency of insurance companies in Utah.
Utah Insurance Receivers' Office - Assists the Insurance Commissioner, in his capacity as liquidator of Utah insolvent insurance companies, in winding up the affairs of those insolvent companies.
Vermont Insurance Division - Part of the Department of Banking, Insurance, Securities, and Health Care Administration (BISHCA). Describes the division itself, and offers extensive consumer and regulatory content.
Virginia Bureau of Insurance - Ensures that citizens are provided with access to adequate and reliable insurance protection.
Washington State Office of the Insurance Commissioner - Includes sections for consumers, insurers, and agents/brokers.
West Virginia Insurance Commission - Regulating insurers to protect the insurance-buying public. Site includes sample auto insurance rates for various types of drivers.
Wisconsin Office of the Commissioner of Insurance - Includes a list of all companies, fraternal benefit societies, associations, town mutual insurers, and rate service organizations allowed to transact insurance in Wisconsin.
Wyoming Insurance Department - Licenses and regulates insurance companies, risk retention and purchasing groups, motor clubs, pre-need funeral homes, agents, brokers, adjusters, and consultants; approves policy filings, investigates consumer complaints; monitors financial condition and solvency of insurance companies and collects premium and surplus lines taxes.

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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.