Chirairo chinorayirwa chinobhadharwa chinowanzonyorwa kana bhizinesi riri kushandisa pfuma yeumwe munhu. Kurasikirwa kwekweretesa chikwereti chinobhadharwa kunokumbirwa nemunhu anokweretesa. Heano muenzaniso.
Muenzaniso
Bill Buckley pachake Buckley's Service Station, nzvimbo yegesi iri muPleasantville. Bill ari kuwedzera bhizinesi rake kuti aise mitambo yekugeza motokari. Ari kuwedzera imwe yende itsva iyo ichava itsva yekutsvaga motokari iyo Buckley iri kutenga nekwereti yebhangi. Chimwe chechipiri chichava ne self-service car washing device iyo Buckley's inotora kubva kuLaver Supply, motokari yekushambisa.
Bill akagamuchira zvidimbu zviviri. Kutanga, Kudyiswa Kwepamberi kunoda Bill kuti ichengetedze Lavhisi sekurasikirwa payee pasi pehurumende yeBuckley yekutengesa pfuma kuburikidza nehora rinorasikirwa rinobhadharwa. Chechipiri, Pleasantville Bank, uyo anokweretesa, ari kutsvaga kugoverwa sekurashikirwa payee pasi pehurumende yeBuckley yemapurisa kuburikidza nemutengo wekubhadhara chikwereti chinokwaniswa.
Chii chinonzi Loss Payee?
Izwi kurasikirwa payee ishoko rechiito rinoreva munhu kana sangano rine chido mune zvakachengetwa zvakasungwa kana kushandiswa neumwe munhu. Kurasikirwa kuripo kunogona kuva muridzi weimba, unokweretesa, mutengi weimba kana zvimwewo.
Muchirevo chiri pamusoro apa, Pleasantville Bank inofarira mumotokari yemotokari kushambidza kumwero wekwereti yakaenderera kuna Buckley's. Laver Supply ine chido muzvigadziro zvebasa-nokuti chigadziri chine mudziyo.
Izwi rokuti kurasikirwa payee rinowanzoreva mumwe munhu ane chido mumunhu wepamba.
Kurasikirwa kunofanira kuenzaniswa nemunhu anotora chikwereti . Izwi rekupedzisira rinoreva chikwereti chinopa mari yekutenga chaiyo pfuma (nyika uye / kana zvivako). Imitoro inoshongedzwa pasi pechirongwa chekutenga chikwereti chinowanikwa mune zvakawanda zvematongerwo emitemo.
Kurasikirwa Kunobhadharwa Zvirongwa Endorsement
Kurasika payees kunowanzovharwa pasi pehuwandu ( ISO ) kugamuchirwa kunowanikwa mune zvekutengeserana purogiramu yemiti. Izvi zvinogamuchirwa zvine kodzero yekurasikirwa inoshandiswa. Kurasikirwa kwega kwega kwepaye kuvharwa kunofanirwa kunyoreswa mubvumo. Kubvumirana kunorondedzera zita rakarasika uye zita rekurasikirwa pamwe chete nekutsanangurwa kweimba iyo kurashikirwa kwepaye kune chido.
Kurasikirwa kunobhadhara kubvumirwa kunosanganisira zvose kurashikirwa kuripa chikwereti uye kurasikirwa kwekweretesi chikamu chinobhadharwa. Kurasikirwa kunokwaniswa kunogona kuvharwa pasi peimwe kana imwe asi kwete dzose mbiri. Izvozvo zvikamu zviviri zvinosiyana kune mumwe nemumwe. Ichinyorwa chipi chakakodzera chinoenderana nehukama hwekurasikirwa nehupfumi.
Kurasikirwa Kunokwana Mutemo
Iko Inoshandiswa Mutemo Inoshandiswa inowanzoshandiswa apo kurasikirwa kuripo kune muridzi weimba panzvimbo pane muteresi. MuBuckley's Service Station muenzaniso wakataurwa pamusoro apa, Laver Supply ane gorozi yekuchenesa motokari. Nokudaro, Muvhisi ane chido chisingavimbiki mumushini.
Kuti dzichengetedze humwe hunodikanwa mumotokari yekuchenesa motokari, Mushonga unoda Buckley kuvhara Laver sekurasikirwa payee pasi pehurongwa hweBuckley hwepfuma. Kana iyo mishonga ichikuvara panguva yekubhajisa nedambudziko rakafukidzwa nemutemo weBuckley, mutemo weBuckley unofanirwa kuvhara kurasikirwa. Cherechedza kuti Buckley's insurer achagadzirisa kurasikirwa naBuckley, kwete Chevha. Uyezve, iyo inshuwarheni ichaita kuti kurasikirwa kuripo pamwe chete naBuckley uye Laver.
Kukwereta kweLender Kubhadharwa Mutemo
Iri gwaro rinoshandiswa apo kurasikirwa kuripo ndeye chikwereti. Kuti munhu ane chikwereti ave akafukidzirwa pasi pechirevo ichi, kufarira kwayo kunofanira kusimbiswa netsamba yakanyorwa yakadai sekugamuchira mari yekuchengetedza kana bhadha yekutakura. Kana pfuma iyo kurashikirwa payee ine chikwereti chisingaregi ichikuvadzwa nenjodzi yakavharidzirwa, iyo inshurensi ichapa mubhadharo wekukanganisa zvakananga kune kurasika payee.
Nokuda kwezvikonzero zvakanyorwa pasi apa, Lender's Loss Payable Clause inopa kurasikirwa kworuzhinji zvakanyanya kudzivirirwa kupfuura Mutemo Wechibharo unorondedzerwa pamusoro apa.
Kufananidza Action
Kurasikirwa kuripo kune kodzero yekuwana kubhadhara kwekurasikirwa kunyange kana yakatanga kufambisa kana zvimwe zvakaitwa pane imwe nzvimbo yakavharwa. Somuenzaniso, fungidzira kuti Buckley's Service Station inokundikana kubhadhara chikwereti chayo kubva kuPleasantville Bank. Bhenji inotanga kufambisa mberi. Vhiki mbiri gare gare, motokari inoshandiswa motokari inoshambadza inoparadzwa nemoto. Kunyange zvazvo bhengi rave rafanotaura nezvechikwereti chakaitwa kuBuckley's Service Station, ichiri kukodzera kubhadhara kubhadhara pasi pehurongwa hweBuckley hwepfuma.
Mabhuku Akaitwa neVashandi
Kurasikirwa kunowanikwa kodzero yekuwana mari yekurasikirwa kunyange kana iyo inshurenzi inoramba kubatsiri kwekutsvaga nekuda kwezviito zvinotsigirwa nehutsikiti (sekusatendeseka) kana nokuti iyo inshukoni yakundikana kutevedzera mitemo yemutemo. Semuenzaniso, Pleasantville Bank ichachengetedza kodzero yayo yekuwana kubhadhara kwekurasikirwa kwakafukidzwa kunyange kana Bill akundikana kubhadhara premium yerinomwe inokodzera. Zvisinei, bhagheni rinofanira kuzadzikisa mamwe mabasa.
Chokutanga, kurasikirwa kwepayee kunofanirwa kubhadhara chero purogiramu yakakosha inokodzera. Kana bhizinesi ikakundikana kutumira chisimbiso, chisimbiso chekurasika, kurasikirwa payee kunofanira kutumira imwe. Kurasikirwa kuripo kunofanirawo kuzivisa iyo inshuwarheni kana muridzi weimba yehupfigiro yakashandurwa (somuenzaniso, kurasika payee kungangodzokororazve pfuma).
Cancellation
Kurasikirwa kuripo kuchazoziviswa kana inshuwarisi ichikanganisa mutemo kana kuti inosarudza kuti isati ishurezve. Kana iyo inshudha ikakundikana kubhadhara mubayiro, iyo inshurensi ichapa chinyorwa chemazuva gumi kuti inoda kuregera mutemo wekusabhadhara kwepayumu. Iyo inshuwarheni ichapa chinyorwa chemazuva makumi matatu kana ichikanganisa mutemo kune chimwe chikonzero. Kana iyo inshuwarisi inosarudza kuti isati ivandudze mutemo, ichazivisa kurasikirwa kwemazuva gumi isati yapera purogiramu.
Vanokwereta Vanoda Kuwedzerwa Kuchengetedzwa
Zviri pachena kuti vateresi vanowana kuchengetedzwa kwakanyanya kune zvivako zvekurasikirwa kana vaine inshumo pasi pehurongwa hwehupfumi kuburikidza nehodha yekwereta inobhadharwa chikamu panzvimbo pekurasikirwa kunobhadharwa. Chengeta ichi mupfungwa kana kambani yako ikwereta mari kana kutumira chikwereti kune mamwe mabhizinesi.