L\u2019asseguran\u00e7a de cr\u00e8dit indemnitza a les empreses per les vendes a cr\u00e8dit que resultin impagades. No obstant aix\u00f2, no totes les asseguradores estan donant la cobertura sota el concepte d’IMPAGAMENT, unicament 2 de les principals asseguradores estan cobrint l’IMPAGAMEN , mentre que les quatre restants estan cobrint la INSOLV\u00c8NCIA PROVISIONAL I DEFINITIVA.<\/p>\n
Quina \u00e9s la difer\u00e8ncia entre IMPAGAMENT i INSOLV\u00c8NCIA ?<\/p>\n
L’IMPAGAMENT significa que el deutor no ha pagat un deute al seu venciment, segons les condicions del contracte de compravenda.<\/p>\n
La INSOLV\u00c8NCIA, \u00e9s un concepte jur\u00eddicament m\u00e9s estricte, ja que implica que perqu\u00e8 hi hagi INSOLV\u00c8NCIA ha de mantenir-se la situaci\u00f3 d’impagament per un per\u00edode determinat de temps.<\/p>\n
Hi ha asseguradores que identifiquen diferents tipus d’INSOLV\u00c8NCIA : INSOLV\u00c8NCIA PROVISIONAL, INSOLV\u00c8NCIA DEFINITIVA, INSOLV\u00c8NCIA DE FET i INSOLV\u00c8NCIA DE DRET. LA INSOLV\u00c8NCIA DE DRET i la INSOLV\u00c8NCIA DEFINITIVA es vinculen a una resoluci\u00f3 judicial o proc\u00e9s concursal , mentre que la INSOLV\u00c8NCIA DE FET I LA PROVISIONAL, requereixen que es mantingui la situaci\u00f3 d’impagament durant un termini determinat des del venciment del deute.<\/p>\n
Per a l’assegurat \u00e9s molt millor disposar d’un contracte d\u2019asseguran\u00e7a que indemnitzi l’IMPAGAMENT , ja que li permet declarar el sinistre immediatament despr\u00e9s del venciment del deute impagat, i per tant cobrar la indemnitzaci\u00f3 molt m\u00e9s r\u00e0pid que si se li cobr\u00eds la INSOLV\u00c8NCIA , ja que en aquest cas cal esperar per norma general un m\u00ednim de 120 dies.<\/p>\n
<\/p>\n
Jordi Maeso<\/strong> Ho sentim, aquesta entrada es troba disponible \u00fanicament en Espa\u00f1ol.<\/p>\n","protected":false},"author":3,"featured_media":383,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-385","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","post-has-thumbnail"],"_links":{"self":[{"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/posts\/385","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/comments?post=385"}],"version-history":[{"count":3,"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/posts\/385\/revisions"}],"predecessor-version":[{"id":388,"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/posts\/385\/revisions\/388"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/media\/383"}],"wp:attachment":[{"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/media?parent=385"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/categories?post=385"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.manubrok.com\/ca\/wp-json\/wp\/v2\/tags?post=385"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\nDirector de Manubrok.
\nTots els drets reservats.<\/em><\/p>","protected":false},"excerpt":{"rendered":"