100% satisfaction guarantee Immediately available after payment Both online and in PDF No strings attached
logo-home
Samenvatting ITLB - Schriftelijk examen - Betalings- en financieringstechnieken $16.86   Add to cart

Summary

Samenvatting ITLB - Schriftelijk examen - Betalings- en financieringstechnieken

12 reviews
 326 views  13 purchases
  • Course
  • Institution

Cursus ITLB Vakbekwaamheid van goederenvervoer over de weg

Preview 3 out of 29  pages

  • February 25, 2020
  • 29
  • 2021/2022
  • Summary

12  reviews

review-writer-avatar

By: florencecasier • 9 months ago

review-writer-avatar

By: achrafhajjaji72 • 1 year ago

review-writer-avatar

By: senenaga • 1 year ago

review-writer-avatar

By: info2218 • 1 year ago

review-writer-avatar

By: maximvanroy • 9 months ago

review-writer-avatar

By: hasanalshemmeri • 2 year ago

review-writer-avatar

By: ckurt19 • 2 year ago

Show more reviews  
avatar-seller
Financierings- en betalingstechnieken
1 De rekeningen................................................................................................................ 4
1.1 Documenten die de factuur voorafgaan .......................................................................... 4
1.1.1 Verzendingsnota .............................................................................................................................. 4
1.1.2 Gewichtsnota ................................................................................................................................... 4
1.2 De factuur ...................................................................................................................... 4
1.2.1 Definitie ........................................................................................................................................... 4
1.2.2 Vermeldingen .................................................................................................................................. 4
1.2.3 De verschillende types van facturen ................................................................................................ 5
1.3 De debetnota (gaat uit van de koper) ............................................................................. 5
1.4 De creditnota (gaat uit van de verkoper)......................................................................... 5
2 De betaling en de betalingsmethoden ............................................................................ 6
2.1 Algemeenheden ............................................................................................................. 6
2.2 De bevestiging van de betaling ....................................................................................... 6
2.2.1 De kwijting ....................................................................................................................................... 6
2.2.2 Het kwijtschrift ................................................................................................................................ 6
2.2.3 Het ontvangstbewijs ........................................................................................................................ 6
2.2.4 Verschil tussen kwijtschrift en ontvangstbewijs ............................................................................... 6
2.3 De verplichting tot betalen ............................................................................................. 6
2.3.1 De verjaring ..................................................................................................................................... 7
2.3.2 Praktische opmerking ...................................................................................................................... 7
2.4 De betalingsmethoden ................................................................................................... 7
2.4.1 Het geld ........................................................................................................................................... 7
2.4.2 Betalingen door tussenkomst van financiële instellingen ................................................................. 8
2.4.2.1 De cheque ................................................................................................................................................................ 8
2.4.2.2 De bankkaart ........................................................................................................................................................... 9
2.4.2.3 Het overschrijvingsorder ......................................................................................................................................... 9
2.4.3 Het accreditief ................................................................................................................................. 9
2.4.4 De wisselbrief .................................................................................................................................. 9
2.4.4.1 Algemeenheden ...................................................................................................................................................... 9
2.4.4.2 Vermeldingen op de wisselbrief .............................................................................................................................. 9
2.4.4.3 Enkele begrippen in verband met de wisselbrief .................................................................................................. 10
2.4.4.4 Nut van de wisselbrief ........................................................................................................................................... 10
2.4.5 Het documentair incasso................................................................................................................ 11
2.4.6 Het orderbriefje ............................................................................................................................. 11
2.4.6.1 Definitie ................................................................................................................................................................. 11
2.4.6.2 Vorm ...................................................................................................................................................................... 11
2.4.6.3 Wettelijke bepalingen ........................................................................................................................................... 11
2.4.6.4 Vergelijking van orderbriefje met de wisselbrief ................................................................................................... 12
2.4.7 Postdocumenten ............................................................................................................................ 12




1

,3 Kredietvormen ............................................................................................................. 13
3.1 Situering van het financieringsprobleem ....................................................................... 13
3.1.1 De actieve benadering ................................................................................................................... 13
3.1.1.1 Indeling naar tijd of liquiditeit ............................................................................................................................... 13
3.1.1.2 De grootte van de financieringsbehoeften ............................................................................................................ 13
3.1.2 De passieve benadering (passiefzijde van de balans) ..................................................................... 13
3.1.2.1 Indeling naar tijd of graad van opeisbaarheid ....................................................................................................... 13
3.1.2.2 Indeling naar herkomst van de financieringsmiddelen.......................................................................................... 13
3.1.3 Grondprincipe ................................................................................................................................ 13
3.2 Kredietvormen ............................................................................................................. 14
3.2.1 Bankkredieten op KORTE termijn ................................................................................................... 14
3.2.1.1 Voorschottenkrediet in rekening-courant (kaskrediet) ......................................................................................... 14
3.2.1.2 Gespecifieerde voorschottenkredieten ................................................................................................................. 14
3.2.1.3 Vaste voorschotten op korte termijn (straight loans) ........................................................................................... 14
3.2.1.4 Incassokrediet........................................................................................................................................................ 15
3.2.1.5 Discontokrediet ..................................................................................................................................................... 15
3.2.1.6 Discontokrediet warrants ...................................................................................................................................... 15
3.2.1.7 Acceptkrediet ........................................................................................................................................................ 15
3.2.2 Bankkredieten op LANGE termijn ................................................................................................... 16
3.2.2.1 Termijnkrediet ....................................................................................................................................................... 16
3.2.2.2 Vaste voorschotten op lange termijn .................................................................................................................... 16
3.2.2.3 Afbetalingskrediet ................................................................................................................................................. 16
3.2.2.4 Hypotheeklening ................................................................................................................................................... 17
3.2.3 Handtekeningkredieten ................................................................................................................. 17
3.2.3.1 Borgstellingskrediet ............................................................................................................................................... 17
3.2.3.2 Documentair krediet.............................................................................................................................................. 18
3.2.4 Andere mogelijkheden tot bedrijfsfinanciering .............................................................................. 20
3.2.4.1 (Financiële) leasing ................................................................................................................................................ 20
3.2.4.2 Renting .................................................................................................................................................................. 20
3.2.4.3 Factoring ................................................................................................................................................................ 20
3.2.4.4 Investeringsmaatschappijen .................................................................................................................................. 20




2

, 4 Zekerheden.................................................................................................................. 22
4.1 Inleiding....................................................................................................................... 22
4.1.1 Indeling der waarborgen ................................................................................................................ 22
4.1.1.1 Zakelijke waarborgen ............................................................................................................................................ 22
4.1.1.2 Persoonlijke waarborgen ....................................................................................................................................... 22
4.1.1.3 Semi-zakelijke waarborgen .................................................................................................................................... 22
4.1.1.4 Morele waarborgen ............................................................................................................................................... 22
4.2 Bespreking van de verschillende waarborgen................................................................ 23
4.2.1 De hypotheek ................................................................................................................................ 23
4.2.1.1 Definitie ................................................................................................................................................................. 23
4.2.1.2 Wat is vatbaar voor hypotheekneming? ............................................................................................................... 23
4.2.1.3 Geldigheidsvereisten ............................................................................................................................................. 23
4.2.1.4 Vormvereisten van de hypotheek ......................................................................................................................... 23
4.2.1.5 Welke waarde heeft een hypotheek als waarborg? .............................................................................................. 23
4.2.1.6 De scheepshypotheek ........................................................................................................................................... 23
4.2.2 Het pand op het handelsfonds ....................................................................................................... 24
4.2.2.1 Definitie ................................................................................................................................................................. 24
4.2.2.2 Geldigheidsvereisten ............................................................................................................................................. 24
4.2.2.3 Vormvereisten van het pand op handelsfonds ...................................................................................................... 24
4.2.2.4 Waarde van deze waarborg door 3 elementen bepaald ....................................................................................... 24
4.2.3 De borgstelling ............................................................................................................................... 25
4.2.3.1 Definitie ................................................................................................................................................................. 25
4.2.3.2 Geldigheidsvereisten ............................................................................................................................................. 25
4.2.3.3 Vormvereisten voor borgstelling ........................................................................................................................... 25
4.2.3.4 Waarde als waarborg van de borgstelling ............................................................................................................. 25
4.2.3.5 Speciale vormen van borgstelling .......................................................................................................................... 25
4.2.4 Het pand ........................................................................................................................................ 26
4.2.4.1 Definitie ................................................................................................................................................................. 26
4.2.4.2 Verschil tussen een handelspand en een burgerlijk pand ..................................................................................... 26
4.2.4.3 Wat kan in pand gegeven worden? ....................................................................................................................... 26
4.2.5 De voorrechten .............................................................................................................................. 26
4.2.5.1 Definitie ................................................................................................................................................................. 26
4.2.5.2 De subrogatie als waarborgvorm .......................................................................................................................... 26
4.2.6 De volmacht tot hypotheekstelling ................................................................................................ 27
4.2.6.1 Definitie ................................................................................................................................................................. 27
4.2.6.2 Vormvereisten ....................................................................................................................................................... 27
4.2.6.3 Waarde als waarborg............................................................................................................................................. 27
4.2.7 De volmacht tot inpandneming van een handelsfonds .................................................................. 27
4.2.7.1 Definitie ................................................................................................................................................................. 27
4.2.7.2 Waarde als waarborg............................................................................................................................................. 27
4.2.8 De verbintenis om niet te vervreemden, noch te hypothekeren .................................................... 27
4.2.9 De subordinatieverklaring .............................................................................................................. 28
4.2.10 De akte van loonafstand ................................................................................................................ 28
4.2.11 De overheidswaarborg ................................................................................................................... 28
4.2.12 Intentieverklaring .......................................................................................................................... 28
5 Voorbeeld examenvragen ............................................................................................ 29




3

The benefits of buying summaries with Stuvia:

Guaranteed quality through customer reviews

Guaranteed quality through customer reviews

Stuvia customers have reviewed more than 700,000 summaries. This how you know that you are buying the best documents.

Quick and easy check-out

Quick and easy check-out

You can quickly pay through credit card or Stuvia-credit for the summaries. There is no membership needed.

Focus on what matters

Focus on what matters

Your fellow students write the study notes themselves, which is why the documents are always reliable and up-to-date. This ensures you quickly get to the core!

Frequently asked questions

What do I get when I buy this document?

You get a PDF, available immediately after your purchase. The purchased document is accessible anytime, anywhere and indefinitely through your profile.

Satisfaction guarantee: how does it work?

Our satisfaction guarantee ensures that you always find a study document that suits you well. You fill out a form, and our customer service team takes care of the rest.

Who am I buying these notes from?

Stuvia is a marketplace, so you are not buying this document from us, but from seller Zoenemegheer. Stuvia facilitates payment to the seller.

Will I be stuck with a subscription?

No, you only buy these notes for $16.86. You're not tied to anything after your purchase.

Can Stuvia be trusted?

4.6 stars on Google & Trustpilot (+1000 reviews)

75632 documents were sold in the last 30 days

Founded in 2010, the go-to place to buy study notes for 14 years now

Start selling
$16.86  13x  sold
  • (12)
  Add to cart