이본즈 - 보험동산채권,보상채권 계약서 및 증명서 관리

▶Main functions
- Application for transfer contract of transferee insurance property bond
- Application for transfer certificate of insurance property bond from transferee
- Transferee contract management (check progress)
- Transferor contract management (check progress)
- Download the transferor and transferee agreement

▶What is bond transfer?
- Transfer of receivables while maintaining the identity of the receivables.
- Company A transfers the claim (goods price) for Company B to Company C.
- In this case, Company C becomes a creditor and directly claims payment from Company B.
- The transfer of claims is made through a transfer contract between the original creditor (A) and the transferee (C).

▶Effect of bond transfer
- The receivable is transferred directly from the transferor to the transferee.
- In practice, it is common to transfer bonds in lieu of monetary payment.
- The rights (interest, penalty, guarantee) attached to the original bond are also transferred to the transferee.
- Defects attached to the original bond (absence of part of the bond) are also inherited.
- In other words, no new receivables are created for the transferee.

▶Credit transfer procedure
- A bond transfer and transfer contract is drawn up between the bond transfer and transfer parties (A and C).
- The transferor must “notify” the debtor (B) of the transfer of the claim.
- The debtor (B) may consent to the transfer of the claim to the transferor or transferee.
- If you wish to act against a third party, you must be notified and approved by a certificate with a fixed date.
- The above procedure can be done through an electronic contract through an app.

▶Bonds whose transfer is prohibited
- Bonds whose contents change when the creditor changes (bonds that teach a specific person, etc.)
- Bonds whose exercise method changes when the creditor changes (lease rights, labor contracts, etc.)
- Support claim, pension claim, disaster compensation claim, national compensation claim, military insurance claim, etc.