CPIC国内贸易信用保险(短期)条款

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国内短期贸易信用保险条款

长安责任保险股份有限公司国内短期贸易信用保险条款总则第一条本保险合同由保险条款、投保单、保险单以及批单等有关文件组成。

凡涉及本保险合同的约定，均应采用书面形式。

第二条凡在中华人民共和国境内（不包括港、澳、台地区）注册的法人企业均可作为本保险合同的投保人和被保险人。

第三条保险人在本保险合同下仅承保试销合同和寄售合同除外的符合以下条件的国内买卖合同：（一）买方是在中华人民共和国境内（不包括港、澳、台地区）注册的法人企业；（二）标的物限于货物以及相关劳务；（三）合同中以书面形式明确约定了商品的品名、质量、数量、价格、付款方式、商品移交方式和运输方式等内容；（四）价款是以银行汇票、商业汇票、本票、托收承付、支票等银行结算方式支付，并且信用期限不超过180天。

保险责任第四条保险人对被保险人在保险期间内销售商品并提供如安装、调试等相关劳务，在按买卖合同约定将商品交付买方、并且买方接受商品后，由于下列原因引起的货款损失，保险人按照本保险合同的约定负责赔偿：（一）买方破产；“破产”指买方被法院宣告破产，或已接到法院关于破产清算的判决或裁定；或买方已由法院委任的清算人接管。

（二）买方的债权人已接收买方的全部资产。

（三）买方超过买卖合同约定的付款日期四个月仍未支付或未付清货款。

第五条保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对应由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其他必要的、合理的费用（以下简称“法律费用”），保险人按照本保险合同约定也负责赔偿。

责任免除第六条下列原因造成的损失、费用和责任，保险人不负责赔偿：（一）被保险人的故意行为、违约行为或违法行为；（二）被保险人依法可以终止履行买卖合同时，仍向买方发货；（三）核反应、核辐射和放射性污染；（四）买方所在地区发生战争、军事行为、恐怖事件、武装冲突、叛乱、暴动、民众骚乱、飓风、洪水、地震、火山爆发和海啸；（五）国家机关的执法或司法行为。

国内贸易短期信用保险条款

国内贸易短期信用保险条款国内贸易短期信用保险条款第一章总则第一条注意事项下列注意事项构成本保险合同的一部分。

这是一个短期国内信用保险合同。

本保险合同含有部分专属本合同的特定条款与要求，这些条款与要求与被保险人可能已经购买的其它保险合同是完全不一致的。

请认真阅读本保险合同的各项条款。

本保险合同的抬头与标题中的说明仅供参考与阅读方便，并不存在任何合约性的意义。

第二条保险合同保险明细表中指明的保险人，向保险明细表中指明的被保险人，签发保险合同。

本保险合同由保险条款、投保单、保险明细表与其他任何注明与保险合同共同使用的批单或者特别约定、及所有信用额度批单构成。

本保险合同的效力高于双方先前就本合同或者合同有关要紧事项所作的任何声明、承诺或者表述。

第二章保险责任第三条承保的缺失本保险的目的是，假如下列任何一项致损原因发生，导致买方拖欠应付款造成被保险人的缺失，保险人根据保单条款规定，按照约定的承保比例负责予以赔偿：（一）买方无清偿能力本保险合同下承保的“买方无清偿能力”包含下列情形：1、买方已接到法院关于破产、清算的判决或者裁定；或者买方已由法院委任的清算人接管；2、买方被法院宣告破产；3、强制执行法院判决所得仍不能全数清偿买方应付款；或者4、根据法院裁决，为保护买方债权人的通常利益而订立的有效转让、合并或者其他安排；或者5、为结束买方营业通过了一项有效决议；或者6、所有买方财产由指定的管理机构或者其他监督人或者管理人接管；或者7、被保险人能够证明买方的财务状况甚至已无法支付部分应付款，即便是法院判决强制执行、申请买方破产或者清算的判决也不能预见可获得有效的赔偿，甚至不能补偿诉讼成本，对此情形保险人也表示认可。

8、经保险人认可的, 相当于以上第1项到第7项所提及的类似情况或者事件。

（二）买方延期付款本保险合同下承保的“买方延期付款”是指，买方在最初付款到期日后的6个月内未能根据合同将应付款支付给被保险人。

第三章责任免除第四条保险人对下列各项不承担赔偿责任：（一）被保险人的过失保险人不承担因被保险人或者被保险人的代理未履行合同任一条款或者未遵守任一法律（包含任何有法律效力的判决、法令或者法规）的规定而导致的任何缺失。

短期出口贸易信用保险条款

中国人民财产保险股份有限公司短期出口贸易信用保险条款总则第一条本保险合同由《短期出口贸易信用保险投保单》、《保险单》、《短期出口贸易信用保险条款》、《出口信用保险国家（地区）风险分类表》、《信用限额申请表》、《信用限额审批单》、《出口申报单》、《批单》以及其他相关单证组成。

凡涉及本保险合同的约定，均应采用书面形式。

适用范围第二条凡在中华人民共和国境内注册的企业均可作为本保险合同的投保人和被保险人。

第三条本保险合同承保同时符合以下条件的出口贸易：（一）货物从中华人民共和国境内出口；（二）销售合同真实、合法、有效，应明确订立合同人、货物种类、数量、价格、付款条件及交货日期、地点及方式；（三）以信用证和非信用证为支付方式，信用期限不超过360天；其中，信用证应为按照约定的《跟单信用证统一惯例》开立的不可撤销的跟单信用证。

第四条投保人可以选择将所有以信用证和非信用证为支付方式、或所有以信用证为支付方式、或所有以非信用证为支付方式的出口贸易向保险人投保。

投保人和保险人对适保范围的约定在保险单中载明。

本保险合同遵循统保原则，投保人应就适保范围内的全部出口向保险人投保、申报出口额并缴纳保险费，保险人依据本保险合同承担保险责任。

保险责任第五条在保险期间内，被保险人按销售合同约定出口货物后，或作为信用证受益人按照信用证条款规定提交单据后，因下列风险引起的直接损失，在投保人按照本保险合同约定足额缴纳保险费,并且符合本保险合同所约定的其他条件下，保险人按本保险合同约定承担保险责任。

（一）商业风险，包括：非信用证支付方式下包括以下情形：1．买方破产或无力偿付债务；2．买方拖欠货款；3．买方拒绝接受货物。

信用证支付方式下包括以下情形：1.开证行破产、停业或被接管；2.开证行拖欠；3.开证行拒绝承兑，指在单证相符、单单相符的情况下，开证行拒绝承兑远期信用证项下的单据。

（二）政治风险，包括：非信用证支付方式下包括以下情形：1．买方所在国家或地区颁布法律、法令、命令、条例或采取行政措施：（1）禁止或限制买方以销售合同发票载明的货币或其他可自由兑换的货币向被保险人支付货款；（2）禁止买方所购的货物进口；（3）撤销已颁发给买方的进口许可证或不批准进口许可证有效期的展延；2.买方所在国家或地区，或货款须经过的第三国颁布延期付款令；3．买方所在国家或地区发生战争、内战、叛乱、革命或暴动，导致买方无法履行合同；4．导致买方无法履行合同的、经保险人认定属于政治风险的其他事件。

国内短期贸易信用险

金融危机中的企业状况
索尼 SONY 14年来首次年度亏损 14年来首次年度亏损裁员：16000人裁员：16000人亏损：1500亿亏损：1500亿日元松下来首次年度亏损 7年来首次年度亏损 15000人 15000人亏损： 3800亿亏损： 3800亿日元沃尔玛中国首次亏损？首次亏损裁员：10000人裁员：10000人亏损：亏损：？美元飞利浦 PHILIPS 年来首次季度亏损 5年来首次季度亏损预计裁员：9000人预计裁员：9000人亏损： 14. 亏损： 14.7亿欧元
信用额度– 信用额度– 变更
2. 当某一买方的财务状况或相关国家、相关国家撤消信用额度当某一买方的财务状况或相关国家、地区的经济情况发生恶化时，保险人有权撤消授予该买方的信用额度。情况发生恶化时，保险人有权撤消授予该买方的信用额度。保险人将书面通知被保险人撤消对该买方的信用额度。将书面通知被保险人撤消对该买方的信用额度。本通知仅适用于接到保险人通知以后所发生的交付。然而，在一定的本通知仅适用于接到保险人通知以后所发生的交付。然而，条件下，保险人可能同意承保必须完成的订单（详见前页“ 条件下，保险人可能同意承保必须完成的订单（详见前页“必须完成的订单” 成的订单”）。被保险人在收到撤消信用额度的通知时，会同时收到一张表格“ 被保险人在收到撤消信用额度的通知时，会同时收到一张表格“交货申请表” 申请表”。被保险人须在该表内列明被保险人对该买方的应收账款明细以及需要完成的订单情况，并在约定的时间内提交保险人。明细以及需要完成的订单情况，并在约定的时间内提交保险人。
保费计算方法
最低保费 : CNY 400,000 Case 1: 保单到期时实际累计应收账款总额 : CNY 110M 补交保费 :(110 M x 0.5% - 400,000) = CNY150,000 Case 2 保单到期时实际累计应收账款总额 : CNY 70M 保险公司只收取最低保费

短期贸易信用保险条款

寄售需提供寄售合同向保险公司申请，待审批同意后方可实施交易。
3
承保风险
商业风险
买方破产 “破产”指买方被法院宣告破产，或已接到法院关于破产清
算的判决或裁定
买方拖欠应收帐款买方超过贸易合同约定的应付款日，及被保险人与保险人约
定的等待期，仍未支付或未付清的应收帐款
4
承保风险
商业风险
等待期
被保险人向关联方的交易发生的损失；
被保险人未按本保险合同约定申报的交易，或申报后未按约定交付保险费的贸易合同下的损失；
买方信用限额撤销通知的生效日期之后，被保险人仍继续履行贸易合同而发生的损失；
除本保险合同另有约定外，被保险人任何的利息损失；
其它不属于本保险合同责任范围的一切损失、费用和责任
等待期
PICC: 从贸易合同约定的应付款日次日起算六个月 (有其它规定者除外)
COFACE: 从发生逾期帐款通知并提交保险人介入并启动催收通知日开始起算五个月
5
承保风险
商业风险
除外责任
被保险人及其雇员的故意行为、违反贸易合同义务的行为或违法行为；
被保险人依法或依照约定可以终止履行贸易合同时，仍继续履行贸易合同；
帐款到期日起68天内
PICC申报补充条款：买方应收帐款若小于或等于RMB1万，且金额不超过保险人最近批复限额的5%时，最迟可出货日期为帐款到期日起68天内(PICC USD 除外）
18
可能损失通报
立案
该买方信用限额自动被撤销
被保险人若全部或部分收回欠款，不论此时保险公司是否已经赔偿，均应立即如实书面告知保险公司
信用期限
最长信用期限 PICC：180天 (自应收帐款次日起算，即指实际收款天数）

国内分期付款贸易短期信用保险条款

安邦财产保险股份有限公司国内分期付款贸易短期信用保险条款总则第一条本保险合同（以下简称为“本合同”）由投保单、保险单或其他保险凭证及所附条款，与本合同有关的投保文件、声明、批注、附贴批单及其他书面文件构成。

凡涉及本合同的约定，均应采用书面形式。

第二条凡是在中华人民共和国（不含香港、澳门特别行政区和台湾地区，下同）境内依法设立，采用分期付款方式销售或出租货品的企业法人和其他组织，均可作为本合同的被保险人。

第三条本合同适用于符合下列条件的分期付款销售或出租货品的贸易：（一）销售或租赁合同（以下统称为“贸易合同”）以书面形式订立，且真实、合法、有效；（二）贸易合同在中华人民共和国境内签订并履行。

保险责任第四条在保险期间内，被保险人与购买者或承租者（以下统称为“租购方”）签订了分期付款贸易合同，并且该租购方资信情况和贸易合同已事先经保险人或其授权代表审核，保险人书面确认承保该贸易合同的，如果该租购方在接受货品后违反贸易合同的约定，超过保险单中约定期数未履行支付货款或租金（以下统称为“债款”）义务，对于被保险人因此而未能收取的债款，保险人将根据本合同的约定承担赔偿责任。

责任免除第五条出现下列任一情形时，保险人不负责赔偿：（―）租购方资信情况和贸易合同事先未经保险人或其授权代表审核，或者虽经审核但保险人未书面确认承保该贸易合同的；（二）未经保险人书面同意变更、转让贸易合同；（三）贸易合同为无效合同，或被依法撤销，或由当事人协商一致予以解除；（四）租购方拒绝接受货品或要求退货。

第六条下列原因造成的损失、费用和责任，保险人不负责赔偿：（―）被保险人或其雇员、代理人的故意行为、违法行为；（二）因被保险人或者租购方未能及时获得各种所需许可证或批准书，致使贸易合同无法继续履行；（三）因国家和政府部门所颁布的法律、法规、规章及其他规范性文件致使贸易合同无法继续履行；（四）因战争、敌对行为、军事行动、武装冲突、恐怖主义活动、罢工、暴动、民众骚乱、行政行为、司法行为、核爆炸、地震、海啸、洪水及其他人力不可抗拒的自然灾害致使贸易合同无法继续履行；（五）被保险人或其代理人违反贸易合同的约定。

国内贸易短期信用保险条款的费率(2013版) 保险基础知识学习资料条款产品开发

XX财产保险股份有限公司
国内贸易短期信用保险费率表(2013版)
一、基准费率
二、调整系数
三、保险费计算
保险费=可承保营业额（赊销额）×基准费率×调整系数1×调整系数2×调整系数3×调整系数4
投保时，按照保险期间内预计赊销额计收预付保险费；保险期间届满后，根据保险期间内实际赊销额计收实际保险费。

实际保险费若高于预付保险费，被保险人应补交其差额；若预付保险费高于实际保险费，保险人退还其差额，但实际保险费不得低于保险单载明的最低保险费。

1。

国内短期贸易信用保险

国内短期贸易信用险介绍企业风险点的分析：在企业日常经营中，因买方破产、无力偿付债务和恶意拖欠贷款，或者买方拒绝接受货物等状况而带来的商业风险。

因银行授信额度以及企业抵押限制，企业往往面临融资难的问题。

险种介绍：1、保障范围：国内短期贸易信用保险是我国境内（不包括港澳台地区）注册的法人企业之间在开展国内贸易业务时，保险人对被保险人因买方商业信用而导致的应收货款损失进行赔偿的，且信用期限不超过1年的保险业务。

同时，投保企业根据保险公司承保的金额，以保单作为抵押向银行融取资金。

如发生恶意拖欠或者买方无力偿还的情况，保险公司将负责将保单应赔偿款项交与银行，再由保险公司向债务方追偿，银行不会承担贷款损失的风险。

2、险种功能与特点：（1）、降低企业坏账风险，增强生产经营的可预见性企业采取赊销不可避免的会面对应收账款不能按时按量回收的经营困境，通过信用险可以将风险转接出去，规避坏账风险，增强经营的可预见性。

（2）保护企业经营业绩，保证现金流的稳定性信用险保证企业能到期顺利回收资金，在发生恶意拖欠或者无力偿还情况后，也能得到保险赔款，保证了企业生产经营的现金流的稳定，使企业的再生产能够顺利进行。

（3）、提高融通资金的速度和企业流动资金的利用效率企业的赊销行为必定会占用企业的流动资金，减慢资金的周转速度，从而降低资金的使用效率，进而影响企业的盈利能力与利润率。

利用国内短期贸易信用险融资可以提高企业资金周转速度，提高企业的盈利能力，增加企业收入。

（4）、信用险融资帮助企业提高管理信用风险的水平信用险融资过程中，保险公司要通过实地调查、分析财务数据、销售记录、信用记录等方式对买方的信用进行审核，帮助企业提高信用风险管理水平，提升企业的风险管理能力，优化企业资源流向。

与普通银行融资的区别：1、授信对象不同：普通银行融资授信对象为企业，企业在银行的授信额度有限，达到授信额度则无法再从银行取得融资，而通过国内短期贸易信用保险取得的融资，使用的是买方在银行的授信额度，不受银行对企业授信额度限制。

国内贸易短期信用保险附加险条款 (2013版)(英文版) 保险基础知识学习资料条款产品开发

Short-Term Domestic Trade Credit Insurance Terms &ConditionsAdditional Clauses（Version 2013）1. QUERIED INVOICES ENDORSEMENT (URE 215000002)Paragraph 1 Application of EndorsementParagraph 2 Interpretation of Endorsement2. THRESHOLD ENDORSEMENT (URE 202035003)Paragraph 1Losses PayableParagraph 2DefinitionsParagraph 3Qualifying Costs and ExpensesParagraph 4Interpretation of Endorsement3. MAXIMUM AGGREGATE CREDIT LIMIT AMOUNT (URE 233001001)Paragraph 1 Application of EndorsementParagraph 2 Conditions of Maximum Aggregate Credit Limit AmountParagraph 3 DefinitionsParagraph 4 Interpretation of the endorsement4. PREMIUM IN ADV ANCE WITH RECONCILIATION AND MINIMUM PREMIUM(UVR603017002)5. ATRADIUS SHANGHAI AS CREDIT LIMIT SERVICE PROVIDER V ARIATION (UVR609022001)6. SINGLE CREDIT LIMIT CHARGES V ARIATION (UVR618704001)7. INCLUSION OF V AT (UVR626010001)8. DECLARATION PER INDIVIDUAL BUYER(UVR709009001)9. AGGREGATE FIRST LOSS ENDORSEMENT (URE 202003001)Paragraph 1ClaimsParagraph 2RecoveriesParagraph 3Costs and ExpensesParagraph 4DefinitionsParagraph 5Interpretation of Endorsement10. EACH & EVERY FIRST LOSS ENDORSEMENT (URE202002002)Paragraph 1Amount of Losses PayableParagraph 2DefinitionsParagraph 3Qualifying Costs and ExpensesParagraph 4Interpretation of Endorsement11. DATUM LINE ENDORSEMENT TO COMMERCIAL RISKS POLICY (URE 404001001)Paragraph 1The Datum LineParagraph 2Written Credit LimitsParagraph 3Adding New BuyersParagraph 4Removal of Old BuyersParagraph 5DefinitionsParagraph 6Interpretation of Endorsement12. DATUM LINE ENDORSEMENT (URE 203714001)Paragraph 1 The Datum LineParagraph 2 Written Credit LimitsParagraph 3 DeclarationsParagraph 4 DefinitionsParagraph 5 Interpretation of Endorsement13. CHINA DISCRETIONARY LIMIT ENDORSEMENT (URE 413001001)Paragraph 1 Establishing a Credit Limit via a Discretionary LimitParagraph 2 Interpretation of Endorsement14. RECORD OF UNDERSTANDING (UVR614000001)15. CONSULTATION ENDORSEMENT (URE227745001)Paragraph 1 Application of EndorsementParagraph 2 Consultation PeriodParagraph 3 Sharing of InformationParagraph 4 Agreement on Course of ActionParagraph 5 Interpretation of Endorsement16. NOMINATION OF LOSS PAYEE V ARIATION(UVR630701001)17. UP FRONT CREDIT LIMIT CHARGES (UVR618002002)18. INCREASED IML FOR SPECIFIED CONTRACTS (UVR615006002)QUERIED INVOICES ENDORSEMENT (URE 215000002)Paragraph 1 Application of EndorsementA. Where the buyer disputes or queries that an amount is owing, and wherethe cumulative total of such amounts is less than ________% of theCredit Limit, then shall apply.Notification B. You need not notify us that such an amount is overdue at the expiry of theMaximum Extension Period.C.Notwithstanding that such an amount is overdue at the expiry of theMaximum Extension Period, we will continue to be liable for contractsmade with and goods dispatched (or invoices submitted) to that buyer. Aged Debt Listing D. You must submit to us a quarterly aged debt listing showing all amountswhich are still overdue at the expiry of the Maximum Extension Periodand are the subject of queries or disputes.Financial Difficulties E. The requirement to notify us of the occurrence of any event likely tocause a loss remains unaffected by this Endorsement.Paragraph 2 Interpretation of EndorsementThe stipulations and provisions of the Policy shall apply in full to this Endorsement unless they conflict, in which case the Endorsement shall prevail.THRESHOLD ENDORSEMENT (URE 202035003)Paragraph 1 Losses PayableWe shall not be liable to pay you for a loss sustained in relation to a buyer unless that Loss equals or exceeds the amount of the Threshold.Paragraph 2 DefinitionsA. Threshold“Threshold” means the amount shown on the Schedule effective at the date risk commenced under your Policy.B. Loss“Loss” means the cumulative total of your losses in relation to a buyer irrespective of when cover commenced.Paragraph 3 Qualifying Costs and ExpensesWe will only contribute towards your costs and expenses in respect of a Loss where our contribution, proportionate to our liability, amounts to CNY ________ or more.Paragraph 4 Interpretation of EndorsementThe stipulations of and provisions of the rest of the Policy shall apply in full to this Endorsement unless they conflict, in which case the Endorsement shall prevail.MAXIMUM AGGREGATE CREDIT LIMIT AMOUNT (URE 233001001)Paragraph 1 Application of EndorsementThis Endorsement applies to contracts made with buyers where you have obtained a Credit Limit from us.Paragraph 2 Conditions of Maximum Aggregate Credit Limit AmountThe aggregate amount of all Credit Limit Decisions shall not exceed ________at any one time. As soon as the aggregate of your Credit Limit Decisions reaches this figure, we have the right to postpone the processing of any further Credit Limit applications. As soon as we exercise this right you will be informed in writing.In order to avoid this, you should on a regular basis, reduce the aggregate amount of all Credit Limit Decisions by lowering existing Credit Limit Decisions or cancelling those that are no longer in use.Paragraph 3 DefinitionsThe aggregate amount of all Credit Limit Decisions shall mean the total value of agreed credit limit decisions which are current at any one time.Paragraph 4 Interpretation of the endorsementThe stipulations and provisions of the rest of the policy shall apply in full to this Endorsement unless they conflict, in which case the Endorsement shall prevail.PREMIUM IN ADV ANCE WITH RECONCILIATION AND MINIMUMPREMIUM(UVR603017002)At the end of the policy Period, we shall calculate the total premium due on the business you declare to us in respect of the Policy Period. If the calculated premium exceeds the Advance Premium, you shall pay the difference on demand. If the calculated premium is less than the Advance Premium, we shall refund the difference to you. However, we will retain the Minimum Premium which will not be subject to any refund.ATRADIUS SHANGHAI AS CREDIT LIMIT SERVICE PROVIDER V ARIATION(UVR609022001)All the provisions of your policy referring to Credit Limits obtained from us (as your Insurer) will also apply to Credit Limits obtained from Atradius Credit Information Consulting (Shanghai) Co., Ltd.You have agreed to the appointment of Atradius Credit Information Consulting (Shanghai) Co., Ltd. who will perform the credit investigation and assessment, following your credit limit application. Notwithstanding that Atradius Credit Information Consulting (Shanghai) Co., Ltd. will provide this credit limit service and will charge the credit limit charges specified in the Schedule directly to you, you will receive your credit limits from us.SINGLE CREDIT LIMIT CHARGES V ARIATION (UVR618704001)We shall charge you only once per buyer per year (at the rates specified in Schedule which we may vary from time to time) for all responses, decisions and yearly reviews we give in respect of Credit Limits from us.INCLUSION OF V AT (UVR626010001)The policy shall apply to the amount in any contract which relates to Value Added Tax (VA T). Declarations should therefore include V AT. When calculating your loss, we shall include any amounts owing to you from the buyer which relates to V A T.DECLARATION PER INDIVIDUAL BUYER (UVR709009001)Your declarations which you have to return to us as specified in the policy must be specified by country and by each individual buyer.AGGREGATE FIRST LOSS ENDORSEMENT (URE 202003001)Paragraph 1 ClaimsExceeding the Aggregate First lossA. We shall only make payment of claims to the extent that the Covered Percentage of the aggregate of all your losses (which relate to a Policy Period) exceeds the Aggregate First Loss. Examination of ClaimsB. We will still examine claims where the Covered Percentage of your aggregate losses does not exceed the Aggregate First Loss, except claims in relation to individual losses of less than the Non-Qualifying Loss. The term ''your losses'' in this Endorsement shall be calculated as being the amounts examined and accepted by us, but shall not include those losses which are less than the Non-Qualifying Loss.Paragraph 2 RecoveriesRecoveries which may be retainedA. While the Covered Percentage of the aggregate of all your losses is less than the Aggregate First Loss, you may retain Recoveries, and your losses will be reduced accordingly. You must notify us promptly of any such Recoveries.Recoveries which must be remittedB. However, as soon as the Covered Percentage of your losses exceeds the Aggregate First loss, the Covered Percentage of all Recoveries must be remitted to us. We shall retain this amount until we have fully recovered any payment we may make.Paragraph 3 Costs and ExpensesWe will only contribute towards your costs and expenses in respect of your losses where our contribution, proportionate to our liability, amounts to ________or more.Paragraph 4 DefinitionsLosses relating to a Policy PeriodA. Losses ''which relate to a Policy Period'' shall mean losses under contracts for which our liability commences during that Policy Period.Aggregate First LossB. ''Aggregate First Loss'' shall mean the amount shown on Schedule 1.Non-Qualifying lossC. ''Non-Qualifying Loss'' shall mean the amount shown in Schedule 1.Paragraph 5 Interpretation of EndorsementThe stipulations and provisions of the policy shall apply in full to this Endorsement unless they conflict, in which case the Endorsement shall prevail.EACH & EVERY FIRST LOSS ENDORSEMENT (URE202002002)Paragraph 1 Amount of Losses PayableWe will deduct the Each and Every First Loss from your loss and pay you the Covered Percentage of the balance. Where your loss is greater than the value of the Credit Limit, we will deduct the Each and Every First Loss from that Credit Limit and pay you the Covered Percentage of the balance.Paragraph 2 Definitions"Each and Every First Loss" A "Each and Every First Loss" means the amount shown on the Schedule effective at the date risk commenced under your Policy."Loss" B Loss "which relate to a policy period" shall mean the cumulative total of your losses in relation to a buyer under contracts for which our liability commenced during the Policy Period.Paragraph 3 Qualifying Costs and ExpensesWe will only contribute towards your costs and expenses in respect of a Loss where our contribution, proportionate to our liability, amounts to CNY ________or more.Paragraph 4 Interpretation of EndorsementThe stipulations and provisions of the Policy shall apply in full to this Endorsement unless they conflict, in which case the Endorsement shall prevail.DATUM LINE ENDORSEMENT TO COMMERCIAL RISKS POLICY (URE 404001001)Paragraph 1 The Datum LineThe policy shall only apply to contracts made with a buyer where you have had an Amount Outstanding during the Policy Period, or the twelve months preceding this period, which equals or exceeds the Datum line.Paragraph 2 Written Credit LimitsYou must obtain a Credit limit in writing from us for every buyer to which the policy applies. The value of the Credit limit must equal or exceed the Datum Line.Paragraph 3 Adding New BuyersCredit Limit Application A If at any time during the Policy Period you have an Amount Outstanding with an additional buyer which equals or exceeds the Datum Line, you must immediately apply for a written Credit Limit on that buyer.Addition of a Buyer B On approval of the Credit Limit, the buyer shall be added to the policy in respect of goods delivered (or services invoiced) on or after the date of application. The policy shall also apply to all amounts outstanding with the buyer at the date of application, but shall not include any amount which is overdue beyond the expiry of the Maximum Extension Period at that date.Declarations C In respect of goods delivered (or services invoiced) prior to the date of application, the relevant amount must be added to the next monthly declaration.Paragraph 4 Removal of Old BuyersRemoval A If the amount Outstanding with a particular buyer fails to exceed the Datum Line during the twelve months preceding a Policy Period, the policy shall not apply to goods delivered (or services invoiced) to that buyer on or after the commencement of that Policy Period.Reapplying for Cover B However, if you have an Amount Outstanding with that buyer at a later date which equals or exceeds the Datum line, you must reapply for cover.Paragraph 5 DefinitionsDatum Line A "Datum Line shall mean the amount shown in Schedule 1.Amount Outstanding B ‘Amount Outstanding' shall mean the highest amount which has at any one time been owed by the buyer, but shall not include any amount which is overdue beyond the expiry of the Maximum Extension Period.Policy Period C "Policy Period" shall mean the period the policy is in force, as shown in Schedule 1.Paragraph 6 Interpretation of EndorsementThe stipulations of and provisions of the policy shall apply in full to this Endorsement unless they conflict, in which case the Endorsement shall prevail.DATUM LINE ENDORSEMENT (URE 203714001)Paragraph 1 The Datum LineThe policy shall apply to contracts made with:a) Buyers where the Amount Outstanding from the Buyer equals or exceeds the amount of the Datum Line at any time during the Policy Period. In this case you must apply for a Credit Limit for such Buyers without undue delay.b) Buyers where the Amount Outstanding from the Buyer is below the Datum Line, but you wish to include these in the insurance cover. In this case you may apply for a Credit Limit for such Buyers.In both cases, the policy shall only apply to these Buyers, where you have obtained a valid Credit Limit from us.Paragraph 2 Written Credit LimitsYou must obtain a Credit Limit in writing from us for every buyer to which the policy applies. The amount of your Credit Limit application must be sufficient to cover the Amount Outstanding from the Buyer, but in any case must equal or exceed the amount of the Datum Line. On our approval of the Credit Limit, cover shall apply up to the amount of the Credit Limit Decision to the amounts outstanding with the Buyer that comply with the policy terms and conditions, even though the Credit Limit Decision may be less than the amount of the Datum Line.Paragraph 3 DeclarationsIn respect of goods despatched (or services invoiced) prior to the date of the Credit Limit Decision, the relevant amount must be added to the next monthly declaration.Paragraph 4 DefinitionsDatum Line A "Datum Line" shall mean the amount shown in Schedule. Amount Outstanding B "Amount Outstanding" shall mean the highest amount which has at any one time been owed by the buyer.Paragraph 5 Interpretation of EndorsementThe stipulations and provisions of the rest of the policy shall apply in full to this Endorsement unless they conflict, in which case the Endorsement shall prevail.”CHINA DISCRETIONARY LIMIT ENDORSEMENT (URE 413001001)Paragraph 1 Establishing a Credit Limit via a Discretionary LimitDiscretionary Credit Limit A. You may justify a Discretionary Credit Limit yourself using,credit reports or trading experience as set out below, but theamount justified must not exceed the MaximumDiscretionary Limit specified in Schedule. We shall not beliable for any loss where you have not complied with theterms and conditions of the Credit Limit or thisEndorsement or where you have not established a CreditLimit before the date of ascertainment of loss.Credit Reports B. Where a credit report is used, it must be obtained from anindependent credit agency or bank in your country duringthe 12 months preceding the despatch of goods or (in thecase of services) the submission of the invoice and it mustpositively recommend the amount you wish to justify.Trading Experience C. Using your own trading experience with the buyer you mayjustify a Discretionary Credit Limit of ________ more thanthe highest amount (excluding any amount payable on cashin advance or secured terms) which has at any time beenowed to you by the buyer on credit terms. Such amountmust have been paid on or before the expiry of theMaximum Extension Period during the 12 monthspreceding the despatch of goods or (in the case of services)the submission of the invoice. However, the credit terms onwhich you trade under such Credit Limit must not be morefavourable to the buyer or less secure than those on whichyou traded with the buyer during the previous 12 months. Overriding Credit Limit D. Any Credit Limit from Us (including a nil Credit Limit) shallFrom Us override any Discretionary Credit Limit you may justify onthe same buyer.Paragraph 2 Interpretation of EndorsementThe stipulations and provisions of the policy shall apply in full to this Endorsement unlessthey conflict, in which case the Endorsement shall prevail.RECORD OF UNDERSTANDING (UVR614000001)We shall not be liable in respect of any loss you may sustain in relation to goods despatched or, in the case of services, invoices submitted after the date of any of the following circumstances of Automatic Stoppage of Cover, except where otherwise stated:a)payment of an amount is still overdue from a buyer at the expiry of the MaximumExtension Period specified in Schedule 1. However, if such amount is paid within________ days after the expiry of the Maximum Extension Period, cover shall bereinstated with retroactive effect in relation to goods despatched or, in the case ofservices, invoices submitted after the expiry of the Maximum Extension Periodfor such amount, provided no other circumstance of Automatic Stoppage ofCover applies. If such amount is paid later than ________ days after the expiry ofthe Maximum Extension Period, cover shall be reinstated only for goodsdespatched or, in the case of services, invoices submitted after the date ofpayment, provided no other circumstance of Automatic Stoppage of Coverapplies.b)you have placed for collection amounts owing to you from the buyer. As soon asthese amounts are paid, cover shall apply again for goods despatched or, in thecase of services, invoices submitted after the date of payment, provided no othercircumstance of Automatic Stoppage of Cover applies.c)the Buyer's Insolvency; ord)we withdraw the Credit Limit for the buyer or withdraw cover in respect of thecountry of the buyer.CONSULTATION ENDORSEMENT (URE227745001)Paragraph 1 Application of EndorsementThis Endorsement shall apply to contracts where we plan to withdraw, amend or reduce Credit Limits or change the Maximum Extension Period or the Maximum Credit Terms. Paragraph 2 Consultation PeriodWe will consult with you in the event that we plan to withdraw, amend or reduce a Credit Limit or change the Maximum Extension Period or the Maximum Credit Terms, due to a perceived deterioration of the risk on a Buyer, country or industry.Paragraph 3 Sharing of InformationWe will share the information with you on which we based our aim to withdraw, amend or reduce the Credit Limit or change the Maximum Extension Period or the Maximum Credit Terms, unless we are prevented from doing so by reasons of confidentiality.Paragraph 4 Agreement on Course of ActionWe will discuss and make all reasonable efforts to agree on a course of action with you. In the absence of any contrary agreement, we reserve the right to withdraw, amend or reduce the Credit Limit or change the Maximum Extension Period or the Maximum Credit Terms, ________ working days after the start of the consultation.In the event that we, in our sole opinion, believe there is a high likelihood of a loss occurring, we reserve the right to withdraw a Credit Limit with immediate effect. In such an event we will contact you with an explanation of our decision, unless confidentiality prevents us from such explanation.Paragraph 5 Interpretation of EndorsementThe stipulations and provisions of the rest of the policy shall apply in full to this Endorsement in case they conflict, in which case this Endorsement shall apply.NOMINATION OF LOSS PAYEE V ARIATION(UVR630701001)We acknowledge that all claims payments are to be made to ________( the Nominated Loss Payee). However, your obligations under the policy remain unaffected.UP FRONT CREDIT LIMIT CHARGES (UVR618002002)The total charge for all Credit Limit responses and decisions for the Policy Period shall be ________ for the first ________ credit limit applications.Should the total of credit limit applications exceed this number, any and all further credit limit applications shall be charged as follows:________INCREASED IML FOR SPECIFIED CONTRACTS (UVR615006002)In respect of contracts made with ________, the maximum amount we shall be liable to pay in respect of all such contracts for which our liability commences during the Policy Period shall be ________.。

国内短期贸易信用保险条款20060418

d)
e)如果买方以任何理由不付全部或部分应付账款，被保险人在追收欠款过程中或被保险人在为自己进行辩护过程中所产生的任何法律和其他费用。
f)
g)任何银行手续费，除非在与买方的销售合同中被定为应收账款的一部分
h)
其他保险
E.保险人不承担任何被保险人可以通过投保其他保险而获得赔偿的损失，或被保险人有权因其他保险而受益或获得赔偿的损失。
B．本保险合同下承保的 “买方延期付款”是指，买方在最初付款到期日后的6个月内未能根据合同将应付账款支付给被保险人。
第3条承保的合同和保险责任的开始
承保的合同
A．本保单适用用于被保险人与买方所签定的，与保险明细表上规定的贸易与服务相关的销售或服务合同。合同须以书面形式订立，且真实、合法、有效。合同必须注明待售产品（或待提供服务）的性质和数量以及付款条件与付款期限，付款期限绝对不能超过保险明细中规定的最长信用期限。除非保险人书面同意，否则本保险合同不适用于以下合同：
汇票等
D.除非被保险人事先获得保险人的书面同意，否则以上付款到期日的延长不能用于汇票、承兑汇票、本票、见单即付、跟单即期汇票、付款交单或是信用证等付款方式。
第8条减少损失及追收账款
通知
A．发生下列任何可能导致损失的事件，被保险人应立即通知保险人。这些事件包括但不限于：
a)最大延长期后20天买方未付款；或
损失计算
B．保险人计算损失金额时，损失金额为买方账款减去 (i)被保险人或买方有权用付款、抵消、反索赔、扣减或其他方式在定损日已接受，已贷记，而买方已支付，已借记买方账户的金额，以及 (ii) 被保险人节省的任何费用。赔偿金额将包括截至到付款到期日产生的利息。
损失确定日期
C．被保险人的损失金额将按如下损失确定的日期核定：

国内贸易信用险介绍

28
目录
• • • • PICC简介及信用险业务优势国内短期贸易信用险产品投保信用险对企业的价值投保企业与PICC的合作流程
29
投保企业与PICC的合作流程
• 投保人填写《投保单》 • 保险人签发《保险单》 • 收取最低保险费
• 被保险人为每一买家申请信用限额，填写《买方信用限额申请表》 • 保险人做买家资信调查、评估，审批信用限额，签发《买方信用限额清单》
15
投保国内短期贸易信用险对企业的价值
您的公司是否面临以下需求？

信用险能为您带来：

希望通过赊销方式扩大销售渠道和规模随着生产能力及销售能力的增加，对信用风险的担忧有银行融资的需求

投保国内短期贸易信用险
增加贸易机会，做大贸易规模。通过买方信用评估，开拓市场，发掘优质新客户，帮助企业其竞争对手为下游买方提供更有利的贸易条件，获得更多有付款保证的交易。
PICC国内短期贸易信用保险介绍
1
目录
• • • • PICC简介及信用险业务优势国内短期贸易信用险产品投保信用险对企业的价值投保企业与PICC的合作流程
2
公司发展历史
1949

1996

1999

2003

2008

在北京成立
人保公司改组为人保集团，下设中保财险、中保人寿和中保再保等子公司
• 面临问题：

进取型企业

预计09年销售规模增长超过70% 为了维持销售规模增长，原材料采购及销售渠道均会要求大量的资金占用，企业需要融资
• 解决方案：

新版短期贸易信用险保单样本包含必加附加条款及主条款

承保比例 Insured Percentage
最长付款期限
Maximum Terms of Payment
付款条件说明
Terms of Payment Description
最长展延期限
Maximum Extension Period
------------------------ 结束END -------------------------
第一章总则本保险单（即保险合同，下同）由投保单、明细表、保险条款、批单、附件、限额审批单组成。凡涉及本保险单的约定，均应采用书面形式。保险人接纳投保人的投保申请，并签发明细表后本保险单即告成立。本保险单由保险人向明细表第 1 部分所列明的被保险人签发。
第二章保险责任第一条投保人（即为被保险人，下同）已向保险人提交书面投保单、申请投保贸易信用保险，保险
业务归属机构：业务员/经办：录单员：核保员：上年度保单号码：
宝太平财产保险有限公司深圳分公司
Taiping General Insurance Co., Ltd. Shenzhen Branch
---------------(签章)------------
珠
基
泓
4
保单号：-
太平财产保险有限公司国内短期贸易信用保险条款(2014 版)
保费计算方法
泓 Premium Calculation Method
保险费率 Rate for Calculation of Premium
预计保费总额 Total Estimated Premium
保费-交易营业额申报（批单 3） Premium - Turnover Declaring (Endorsement 3)

阳光保险——国内短期贸易信用保险条款

被保险人必须向保险人申报本保险所承保的贸易合同项下所有发送的货物或为服务开立的发票的销售价格（扣除增值税或其他类似的税）。如果情况特殊，即使是零申报也必须提交申报单。申报单必须在保险单明细表中规定的时间之前提交给保险人。
第十二条风险保费投保人（被保险人）应支付与每一份承保的贸易合同相关的保费及所有相应的保费
第二条保险合同保险单明细表中指明的保险人，向保险单明细表中指明的被保险人，签发本保险合
同。本保险合同由包括但不限于保险条款、投保单、保险单明细表和其他任何注明与保险合同共同使用的批单或特别约定、及所有信用额度批单组成。本保险合同的效力高于双方先前就本保险合同或合同相关主要事项所作的任何声明、承诺或表述。
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3、如果买方以任何理由不付全部或部分应付款，被保险人在追收应付款过程中或被保险人在为自己进行辩护过程中所产生的任何法律和其他费用；或
4、被保险人为建立有效并可执行的第三方付款担保或保证、获得可执行的最终判决以及通过法院执行担保过程中所产生的全部费用（法律费用或其他），若此付款担保或保证是承保该信用额度的前提条件；或
以在信用额度的批单上附以保险人认为合适的额外条件，这些条件可以与保险合同条件不同。除非保险人取消或更新保险合同，否则保险人批复的信用额度将一直有效直至保险合同到期。
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第九条遵守信用额度规定如果被保险人未遵守与信用额度相关的规定、条件，保险人不承担任何损失。
第十条保险人取消或降低信用额度保险人就某一贸易合同或某一买方可以随时以任何理由书面通知被保险人取消其
信用额度及承保责任。保险合同不承保在此书面通知中规定的日期当天或之后发送的货物或（针对服务）提交的发票。保险人也可以随时以任何理由书面通知被保险人降低某一买方的信用额度。此降低信用额度的通知适用于所有在通知规定日期的当天或之后发送的货物或（针对服务）提交的发票。

中国出口信用保险公司短期出口信用保险综合保险条款

中国出口信用保险公司短期出口信用保险综合保险条款第一章总则第一条为了规范中国出口信用保险公司（以下简称“本公司”）短期出口信用保险（以下简称“本保险”），加强对我国出口企业的信用风险保护，维护我国经济稳定发展和对外贸易的顺利进行，依照《中华人民共和国保险法》和其他相关法律法规，制定本保险条款。

第二条本保险适用于符合我国法律法规规定，从事合法正常的出口业务并且具备独立承担民事责任能力的中国境内出口企业（以下简称“投保人”）。

第三条投保人在购买本保险前需提供真实、完整、准确的企业信息和贸易合同等相关资料，接受本公司的风险评估和审查。

第四条保险类型包括短期出口信用保险（两年以下）和中期出口信用保险（两年以上），本保险条款仅适用于短期出口信用保险。

第二章保险责任第五条本公司在投保人支付保险费后，按照保险合同约定承担以下责任：1.信用风险承担责任：当被投保买方无法履行贸易合同约定的付款义务时，本公司将按照约定进行赔付。

2.政治风险承担责任：当投保贸易合同因政治风险原因导致无法履行时，本公司将按照约定进行赔付。

3.商业风险承担责任：当投保贸易合同因商业原因导致无法履行时，本公司将按照约定进行赔付。

第六条本公司保险责任的期限为贸易合同约定的履行期限内，并以保险合同约定的解除日为终止。

第三章保险费和赔偿第七条投保人应按照本公司的保险费率和计算方式支付保险费，并在保险合同生效前足额缴付。

第八条投保人在贸易合同发生未按约定履行的情况下，应按照合同约定向本公司提出赔付申请，并提供相关资料和证明。

第九条本公司在接到赔付申请后，将委托专业的风险评估机构进行调查核实，对符合赔付条件的申请进行赔付。

第十条本公司赔付的金额不超过保险金额的总额，并按照实际损失进行赔付，但不包括投保人主观上的损失和由于投保人故意违约或过失行为导致的损失。

第四章争议解决第十一条本保险合同中的争议应由双方协商解决，如协商不成，则提交本公司所在地人民法院裁决。

国内贸易信用保险条款

中国出口信用保险公司国内贸易信用保险条款本保险单指本《国内贸易信用保险单》，其中包括《投保单》、《保险单明细表》、《批单》、《国内贸易信用保险条款》、《信用限额申请表》及其附表、《信用限额审批单》、《索赔单证明细表》、《委托代理协议书》、《申报单》及其它相关单证。

第一章适保范围第一条本保险单适用于在中华人民共和国境内注册的企业进行的符合下列条件的贸易，但寄售除外：（一）贸易合同以书面形式订立，且真实、合法、有效；（二）信用期限不超过本保险单约定的最长信用期限。

第二章保险责任第二条在本保险单有效期内，被保险人按贸易合同交付货物或提供服务后,且在《保险单明细表》列明的发票开票期限内开具发票，因下列风险引起的直接损失，在被保险人履行本保险单各项约定的条件下，保险人按本保险单的规定承担保险责任：（一）买方破产或无力偿付债务；（二）买方拖欠。

第三章除外责任第三条除非本保险单另有规定，保险人对下列损失不承担赔偿责任：（一）通常可由其它财产保险承保的损失；（二）除买方外，包括被保险人在内的任何其他方的破产或无力偿付债务、违约、欺诈或其它违法行为引起的损失；（三）被保险人知道或应当知道买方负面信息以及本条款第二条项下约定的风险已经发生，或交付货物或提供服务前被保险人依照贸易合同或相关法律的规定有权拒绝履行或中止履行交付货物或提供服务义务，仍继续向买方交付货物或提供服务所遭受的损失；（四）因被保险人或买方未能及时获得各种所需许可证或批准书，致使贸易合同无法继续履行而造成的损失；（五）因国家及地方各级国家机关所颁布的法律、法规、规章、其它规范性文件以及发布的命令、决定等导致贸易合同无法继续履行而造成的损失；（六）因不可抗力导致的损失；（七）被保险人与具有关联关系的主体之间贸易项下发生的损失；（八）被保险人依据法律规定或贸易合同约定应向买方收取的利息、罚息和违约金；（九）本保险单保险责任以外的其它损失。

第四章责任限额第四条本保险单责任限额包括最高赔偿限额和信用限额。

国内贸易短期信用保险条款(2013版) (英文) 保险基础知识学习资料条款产品开发

Short-Term Domestic Trade Credit Insurance Terms & ConditionsEnglishVersion 2013CatalogueContents Page Article 1 Notice 3 Article 2 The Policy 3 Article 3 Losses Covered 3 Article 4 Exclusions 4 Article 5 Contracts Covered 5 Article 6 Commencement of Cover 6 Article 7 Despatch 6 Article 8 Credit Limits 6 Article 9 Compliance with Credit Limit 6 Article 10 Withdrawal by Us 6 Article 11 Declarations 7 Article 12 Risk Premium 7 Article 13 Credit Limit Charges 7 Article 14 Credit beyond the Due Date 7 Article 15 Maximum Extension Period 7 Article 16 No Liability beyond Maximum Extension Period 8 Article 17 Bills of Exchange etc. 8 Article 18 The Proposal and Disclosure of Facts 8 Article 19 Minimising Loss and Obtaining Recoveries 9Contents Page Article 20 Period for Submission and Payment 10 Article 21 Calculation of Loss 10 Article 22 Date of Ascertainment of Loss 10 Article 23 Insurer’s Maximum Liability 10 Article 24 Allocation of Moneys Received and Recoveries 11 Article 25 Assignment of Policy Rights 11 Article 26 Assignment of Contract Rights 11 Article 27 Observance of Stipulations and Confidentiality 12 Article 28 Joint and Several Obligations 12 Article 29 Retained Risk 12 Article 30 Trade Disputes and Third Party Guarantees of Payment 13 Article 31 Misrepresentations or Fraudulent Acts 13 Article 32 Set Off 13 Article 33 Currencies 13 Article 34 Variations of Terms of Cover 14 Article 35 Your Insolvency 14 Article 36 Law, Arbitration and Language 14Chapter 1 General RulesArticle 1 NoticeThe following Notice is incorporated in and made part of this Policy.This is a Short-Term Domestic Trade Credit Insurance Policy. The insurance period under this policy is no more than one year subject to the date of the commencement and date of termination indicated in the Schedule. This Policy has certain provisions and requirements unique to it and may be different from other policies you may have purchased.Please read this Policy carefully.The descriptions in the headings and titles of this Policy are solely for reference and convenience and do not lend any meaning to this agreement.Article 2 The PolicyWe, the Insurer named in the Schedule, have issued this Policy of insurance to you, the Insured named in the Schedule. This Policy includes, without limitation, these General Terms, the Proposal, the Schedule and any endorsements or other documents expressly incorporated thereby and all Credit Limits. This Policy supersedes any previous statement, promise or representation by the parties relating to the agreement or its subject matter. Chapter 2 Insurance CoverageArticle 3 Losses CoveredThe purpose of this insurance is to indemnify you, in accordance with the terms of this Policy, up to the Covered Percentage of any loss you may sustain because of the occurrence of any of the following causes of loss, provided in each case that there is an amount owing from the buyer which shall constitute such loss:A. InsolvencyThe Insolvency of any of your buyers. For the purposes of this Policy "Insolvency"shall occur if:a. a bankruptcy, winding-up or administration order is made against the buyer; orb. the buyer is declared bankrupt by the People’s Court; orc. in the course of execution of a judgment the levy of execution fails to satisfy the debt in full; ord. a valid assignment, composition or other arrangement is made for the benefit of the buyer’s creditors generally according to a decision of the People’s Court; ore. an effective resolution is passed for the winding-up of the buyer; orf. a liquidation committee, an administrative or other receiver or manager of any of thebuyer ’s property is appointed; org. you sh ow, to our satisfaction, that the buyer ’s financial state is such that even partial payment is unlikely and that to enforce judgment or to apply for a bankruptcy or winding-up order would have no foreseeable result other than one disproportionate to the likely cost of the proceedings.h. such situations or events which, in our sole opinion, in substance or effect are equivalent to the situations and events described above.B. DefaultThe failure of a buyer to pay you the amount owing under the contract within 6months of original due date of payment.Chapter 3 ExclusionsArticle 4 The insurer shall not be liable for any loss arising in connection with any of the following：A. Failure by YouWe shall not be liable for any loss you may sustain where there has been any failureby you or by any person acting on your behalf to fulfill any of the terms andconditions of the contract or to comply with the provisions of any law (including any order, decree or regulation having the force of law).B. Radioactive ContaminationWe shall not be liable for any loss directly or indirectly caused by, contributed toby or arising from the ionising, radioactive, toxic, explosive or otherhazardous or contaminating properties or effects of any explosive nuclear assembly or component thereto, nuclear fuel, combustion or waste.C. WarWe shall not be liable for any loss arising directly or indirectly from war (whether before or after the outbreak of hostilities) between any country.D. Interest/penalties/damages/costsWe shall not be liable for any loss you may sustain in respect ofa. any interest accruing after the original due date of payment, orb. any penalties or damages, whether contractual or otherwise, which you may be entitled to be paid by the buyer in addition to the amount owing, orc. any costs, legal or otherwise, which you incur in pursuing payment of any amount owing where the buyer claims for any reason whatsoever to be justified in withholding payment of all or part thereof or in defending any proceedings brought against you, ord. any costs, legal or otherwise, which you incur in establishing the validity and enforceability of a guarantee of payment or surety, obtaining a final enforceablejudgement and enforcing the guarantee or surety in a court, where we have made this a condition of cover, ore.. any banking costs, unless contractually agreed to be part of the amount owing from the buyer.E. Other InsuranceWe shall not be liable for any loss you may sustain where such loss is (or would bebut for the existence of this Policy) capable of being covered by any other insurance held by you.or from which you may be entitled to benefit or receive paymentF. Non-acceptance of goodsWe shall not be liable for any loss you may sustain where the buyer has failed or refused to accept good despatched. However, if such failure or refusal is in breach ofthe contract, this exclusion shall not apply.G. State or Government actionWe shall not be liable for any loss arising from any decision taken by a State or government department, local authority or any entity which cannot be declared insolvent that either hinders execution of the contract or prevents payment.H. Natural DisasterWe shall not be liable for any loss directly or indirectly caused by, contributed to by or arising from cyclone, flood, earthquake, volcanic eruption or tidal wave or otherforms of natural disaster or force majeure.Chapter 4 Contracts covered and Commencement of CoverArticle 5Contracts CoveredThe Policy applies to all contracts you make with buyers in your country inconnection with your Trade as specified in the Schedule. Contracts must be true,legally effective, binding and in writing. They must also specify the nature andquantity of the goods to be sold (or the services to be performed), as well as the termsof payment, which must not exceed the Maximum Credit Terms specified in the Schedule. Unless we agree otherwise in writing, the Policy does not apply to:a. any contracts you make with buyers over whom you have direct or indirect controlor in whom you have a direct or indirect interest or who have such control over or interest in you or where there is any family relationship or there exists any loans or guarantees between you and the buyer, either directly or indirectly;b. any contracts you make with private individuals, sole proprietorships or partnerships;c. any contracts you make with state or governmental departments, local authorities, institutions or organisations or any entity which cannot be declared insolvent;d. trial/approval contracts or to sales from consignment stock.Article 6 Commencement of CoverRisk shall attach in respect of those contracts for which cover commences during the Policy Period specified in the Schedule. Cover commences when the goods are despatched or, in the case of services, when each invoice for services performed is submitted to the buyer. Invoices for goods despatched or services performed must be submitted to the buyer within the Invoicing Period specified in the Schedule. This Invoicing Period commences on the day of despatch of such goods or, in the case of services, on the date when the contract is made.Article 7 DespatchDespatch is deemed to be made when you, or anyone acting on your behalf, parts with possession of the goods for the purpose of transmitting them to the buyer in accordance with the terms and conditions of the contract.Chapter 5 The Credit Limit and Withdrawal of CoverYou must have a Credit Limit for every buyer. In the event of a claim, we will not be liable to pay more than the Covered Percentage, specified in the Schedule, of the Credit Limit.Article 8 Credit LimitsYou may obtain a Credit Limit from us. The amount shall be determined from us at our discretion and shall be approved on the terms and conditions we think appropriate. Those terms and conditions may vary any provision of the Policy. Credit Limits from us remain valid until expiry of the Policy Period unless we cancel them or renew the Policy.Article 9 Compliance with Credit LimitWe shall not be liable for any loss where you have not complied with the terms and conditions of the Credit Limit.Article 10 Withdrawal by UsWe may at any time and for any reason by written notice to you cancel any CreditLimit and withdraw cover in respect of any contract or buyer. The policy will notapply in relation to goods despatched or, in the case of services, to invoices submitted,on or after the date specified in the notice. We may also at any time and for any reasonby written notice to you reduce any Credit Limit and such reduction shall apply inrelation to any goods despatched or, in the case of services, to invoices submitted, on or after the date specified in the notice.Chapter 6 Declarations, Premium and ChargesArticle 11 DeclarationsYou must declare to us the sale price (net of Value Added Tax or other similar tax) in respect of all goods despatched or services invoiced under contracts to which the policy applies. Where appropriate, a nil declaration must be submitted. Declarations must be returned to us by the time specified in the Schedule.Article 12 Risk PremiumPremium is payable, together with any applicable Insurance Premium Tax or other similar tax, in relation to each contract to which the policy applies. Premium is calculated at the percentage rate specified in the Schedule in respect of the amount of business declared. Payment of premium must be made at the times we specify.Article 13 Credit Limit ChargesWe shall also charge you (at the rates specified in the Schedule, which we may vary from time to time) for each response, decision and yearly review we give in respect of Credit Limits from us. Payment of all charges must be made at the times we specify.Chapter 7 Credit Beyond Due DateArticle 14 Credit beyond the Due DateYou may, if the need arises, allow credit to run for a period beyond the due date of payment specified in the contract with the buyer, or agree in writing to an extension of due date, provided that the period or extension you allow or agree is not longer thanthe Maximum Extension Period specified in the Schedule. If the buyer fails to pay infull by the expiry of the first such period or extension that you allow or agree, youmust not allow or agree to any further period or extension unless we agree otherwisein writing. You must not agree in the contract itself to any term which provides for the due date to be extendedArticle 15 Maximum Extension PeriodThe Maximum Extension Period commences on the day after the original due date of payment and ends on the expiry of either:(a) the number of calendar days specified as the Maximum Extension Period in the Schedule or(b) if shorter, the period or extension you allow or agree. We may vary the Maximum Extension Period by written notice at any time.Article 16 No liability beyond Maximum Extension PeriodIf payment of any amount is overdue from a buyer at the expiry of the Maximum Extension Period, we shall not be liable for any loss you may sustain in relation to goods despatched or in the case of services, to invoices submitted, to that buyer after that date, unless we agree otherwise in writing.Article 17 Bills of Exchange etc.Unless you obtain our prior written agreement, the granting of credit beyond due date is not permitted in the case of bills of exchange, promissory notes, cash against documents, documentary sight draft, documents against payment transactions or wherever payment is to be made out of a letter of credit.Chapter 8 Obligations of the InsuredArticle 18 The Proposal and Disclosure of FactsA. The Proposal for this insurance is incorporated into this Policy as its basis. You must have disclosed, and continue at all times to disclose promptly, all facts which might affect the risks insured. If you intentionally conceal any relevant facts which might affect our risk assessment, or otherwise grossly negligently fail to fulfill your obligation to make a full and accurate disclosure in answer to any questions contained in the Proposal and such concealment or failure adversely affects our underwriting decisions or premium rate assessment, we shall be entitled to avoid the policy and we shall not be liable for any loss you may sustain.B. As soon as it comes to your notice, you must immediately inform us of any substantial or material change in the information given in the proposal form, particularly in the nature or scope of your activities or in your own legal status.C. You undertake to allow us to exercise the right of discovery for checking and verifying that you have fulfilled all your obligations under this Policy. Where we so require, you must also cooperate with a certified auditor or other independent party that we may employ to certify the accuracy of the information and documents you have provided.D. You must disclose promptly and will at all times continue to disclose promptly all information and documents which might affect the risks insured under this Policy ormight influence our acceptance or assessment of the risks and Buyers insured under this Policy.Article 19 Minimising Loss and Obtaining RecoveriesA. NotificationYou must notify us immediately of the occurrence of any event likely to cause a loss. Such an event shall include, without limitation:a. the failure of a buyer to pay any amount still overdue 20 calendar days after the expiry of the Maximum Extension Period; orb. a buyer requesting an amendment of payment terms which is unfavourable to you or an extension of due date beyond the expiry of the Maximum Extension Period; orc. a buyer failing to take up the goods or the documents on first presentation where the payment terms are cash against documents or documents against acceptance; ord. the imminent or actual Insolvency of a buyer; ore. your having reason to believe that a buyer is unable or is likely to be unable to perform or comply with the terms of the contract; orf. the failure of a buyer to honour a bill of exchange or a cheque; org. the institution of any proceedings against a buyer for non-payment of an amount owing.B. Due Care & DiligenceYou must use due care and diligence and take all practicable measures to prevent and minimize loss. This includes, without limitation, ensuring that all rights against the contract goods, buyers and third parties are properly preserved and exercised.C. Taking All StepsYou must take all steps that we may require in connection with a potential or actual loss, including, without limitation, the institution of legal proceedings and such steps,if any, as may be specified in the Schedule. If we require it you must assign to us all rights against the contract goods, buyers or third parties or appoint us as your agent or attorney with power in your name to take legal proceedings or to appoint any personfor the purposes of collection of amounts owing. If you recover the contract goods and, with our prior written approval, resell them, any shortfall between the amount realised on resale and the amount owing from the buyer will be taken into accountwhen calculating your loss.D. InformationYou must provide us with all information and documents that we may require.E. Contributions to your Costs and ExpensesWe will contribute towards costs and expenses that you properly and reasonably incurin fulfilling the above obligations. Our contribution will be proportionate to ourliability for your total loss, including any uninsured portion, or for what such losswould have been but for your action in fulfilling the above obligations. However, wewill not contribute towards your administrative costs and expenses. We will also not contribute (without prejudice to any other rights we may have) to the costs and expenses of collecting any amount owing if you have chosen not to place thecollection of the amount as we may propose or as may be required in the Schedule.F. Failure to complyIf you fail to comply with any of the provisions of this Article after we have made a payment, then you will be liable to refund the payment to us on first written demand. Chapter 9 ClaimsArticle 20 Period for Submission and PaymentClaims (including all available information) must be made within 6 months of the expiry of the Maximum Extension Period, using the form we will provide. Provided that we are satisfied that we are liable to make payment, we will pay you the Covered Percentage either of the amount of your loss or of the Credit Limit for the buyer, whichever is less. We will make such payment no more than 30 days from either the date of receipt of all the information and documents we require or, if later, the date of ascertainment of loss.Article 21 Calculation of LossWe will calculate the amount of your loss as being the amount owing to you from the buyer less (i)any amount which, at the date of ascertainment of loss, you or the buyerare entitled to credit to the buyer ’s account whether by way of payment, set-off, counterclaim, deduction or otherwise and (ii)any expenses which you have saved. Article 22 Date of Ascertainment of LossThe amount of your loss shall be ascertained on the date of ascertainment of loss which shall be as follows:a. for Insolvency, on the day when Insolvency occurs;b. for Default, 6 months after original due date of payment.Article 23 Insurer ’s Maximum LiabilityThe maximum amount which we shall be liable to pay in respect of all contracts taken together for which our liability commences during the Policy Period shall be the amount of the Insurer ’s Maximum Liability shown in the Schedule for that period,notwithstanding that such amount may be less than the Covered Percentage of any individual Credit Limit or aggregate of Credit Limits.Article 24 Allocation of Moneys Received and RecoveriesA. Allocations by Chronological OrderAll amounts whenever received, in connection with any contracts (including contracts not covered by this Policy) shall, for the purposes of this Policy, be applied toamounts owing under all your contracts with the same buyer in chronological order of due dates. If such amounts fall to be applied to amounts owing under a contract on which we have paid a claim, they must be remitted to us and until this remittance is made you receive and hold such amounts in trust for us.B. RecoveriesAll sums whatsoever received, recovered or realised whether by you, by any person acting on your behalf, or by us in relation to a contract after the date of ascertainmentof loss shall be Recoveries. All Recoveries shall immediately be remitted to us. Untilthis remittance is made you receive and hold Recoveries in trust for us. After receiptby us Recoveries will be divided in the proportion in which the loss is borne by eachof us.C. Failure to complyIf you fail to comply with any of the provisions of this Article after we have made a payment, then you will be liable to refund the payment to us on first written demand. Chapter 10 MiscellaneousArticle 25 Assignment of Policy RightsLoss PayeeYou cannot assign or transfer this policy or any of its benefits without our priorwritten consent. You may, however, require claims payments to be made to a namedloss payee, using the form we will provide, your obligations under the policy remaining unaffected.Article 26 Assignment of Contract RightsYou may assign or charge your rights under the contract provided this does not contravene the contract terms and you give us details when making a claim. However, we shall not be liable to pay you for any loss unless: (a) you can show that you, not the person in whose favour the assignment or charge has been made, have sustained such loss and (b) that person has given us a written undertaking in a form acceptable to us that hewill not make any claim to our portion of any Recoveries.Article 27 Observance of Stipulations and ConfidentialityA. Due payment of all premiums and other charges and the due performance and observance of every stipulation in the policy or the proposal shall be your obligation. In the event of any breach of any condition we, according to the relevant stipulations of Insurance Law of the People’s Republic of China,also have the right to retain any premium paid and terminate the Policy from the date of our written notice to you. No variation or waiver relating to any stipulation of the policy shall be binding unless we have specifically agreed the same in writing.B. No failure by you to comply with any of the stipulations of this Policy shall be deemed to have been accepted or excused by us unless the same is expressly so excused or accepted by us in writing. The waiver by us of any breach or default by you in respect of any of the stipulations of this Policy shall not be construed as a waiver of any succeeding breach or default in respect of the same or any other stipulation.C. You must treat any information provided to you in strict confidence and you must not disclose such information to any third party. We shall not be liable for any loss which might arise from third parties gaining access to confidential information. All information, including but not limited to Credit Limit Decisions, is non-binding. We shall not be liable for any loss you may sustain where you use this information, especially for your own commercial decisions.D. If you fail to observe your obligations or stipulations of this insurance contract, and this would have had essential influence on the occurrence of loss or the amount of our liability, your right of indemnification will be forfeited. In such cases we also have the right to terminate the policy with immediate effect, unless otherwise stipulated by laws of the People’s Republic of China.E. You must not disclose the existence of this Policy to any buyer, whether insured or not. Article 28 Joint and Several ObligationsThe obligations of the persons named as the Insured in the Schedule shall be joint and several.Article 29 Retained RiskYou must retain exclusively for your own account as an uninsured risk any amount which exceeds the amount we are liable to pay you under the policy.Article 30 Trade Disputes and Third Party Guarantees of PaymentA. Trade DisputesWe shall not ascertain loss so long as a buyer claims for any reason whatsoever thathe is justified in withholding payment of all or part of an amount owing or in not performing any of his obligations under the contract.B. Third Party Guarantees of PaymentWhere we have made it a condition of cover that there be a guarantee or surety, weshall not ascertain loss until a final judgement for the amount owing has beenobtained against that guarantor or surety in a court in the country specified in such condition.Article 31 Misrepresentations or Fraudulent ActsAny misrepresentation with gross negligence which is material to the risk, or non-disclosure of information, or fraudulent conduct on your part (or on the part of any other person who has a legal or beneficial interest in the policy or its proceeds), in relation to this Policy (including the proposal), to any claim under it, or to any contract to which the Policy applies, will render the Policy void but we may retain any earned premium paid and you will be liable to refund to us any payment we may have made under the Policy unless otherwise stipulated by laws of the People’s Republic of China.Article 32 Set OffWe have the right to apply any amount payable under this policy in or towards payment of any amount owing from you to us (paying interest before principal) whether under this policy or otherwise. You have no right to apply any amount payable by you to us, whether under this policy or otherwise, in or towards payment of any amount owing from us to you.Article 33 CurrenciesA. The policy shall be denominated in the currency specified in the Schedule, which currency shall be used for the purpose of making declarations, paying premium and calculating the amount of any loss. Where you contract in a currency other than the denominated currency, a conversion to the equivalent amount in the denominated currency shall be made using the exchange rate on the last working day of the month during which cover commenced.B. Recoveries, if received in another currency, shall be converted to the denominatedcurrency at the exchange rate on the date of receipt by you or by any person acting onyour behalf.C. The exchange rate on a given date shall be the closing mid-point rate quoted on that date by the People’s Bank of China or, if the rate has not been quoted, such rate on the next succeeding date when the rate is quoted.Article 34 Variations of Terms of CoverWe have the right at any time to vary by written notice any of the provisions of the Policy in respect of contracts made with buyers insured under this Policy. The variation will apply to goods despatched or (in the case of services), to invoices submitted, after the date which will be specified in the notice (not being earlier than the date of the notice).Article 35 Your InsolvencyThe Policy shall terminate automatically with immediate effect if:a. a bankruptcy, winding-up or administration order is made against you; orb. an effective resolution is passed for your winding-up; orc. a liquidation committee, an administrative or other receiver or manager of any of your property is appointed; ord. a valid assignment, composition or other arrangement is made for the benefit of your creditors generally.Article 36 Law, Arbitration and LanguageA. The Policy shall be governed by and construed in accordance with the Law of the People’s Republic of China and subject to the jurisdiction of the arbitral tribunal established in accordance with sub-clause B below.B. All disputes arising under, out of or in connection with this Policy, including without limitation disputes as to its formation and validity, and whether arising during or after the Policy Period, which have not been settled amicably by negotiation between the Parties shall be submitted to China International Economic and Trade Arbitration Commission (CIETAC) for arbitration. The arbitration shall take place at the Place of Arbitration specified in the Schedule. The arbitration shall be conducted in accordance with the CIETAC’s arbitration rules in effect at the date of applic ation for arbitration. The arbitration award shall be final and binding on both parties.C. The Language of Policy shall be that specified in the Schedule. Where we provide translations of the Policy the version in the Language of Policy shall prevail in the event of any conflict or difference in meaning or effect.。

国内贸易短期信用险

应收帐款管理
中期
后期
• 案例1 – – – • 案例2 – –
保单周期末的年赊销总额:人民币8000万增付保费: (8000万 x 0.42% - 168,000) = 人民币168,000
保单期末年赊销总额: 人民币3000万保险公司保留最低保费, 不予退回.
国内贸易短期信用保险的主要内容
• 赔款支付
根据以下条件支付赔款:
• •
• • • •
☆保单管理简便：被保险人只需每季度末申报营业总额，无需申报买家明细营业额。 ☆待交付订单条款：如果保险人决定降低或取消买方的额度，在满足以下条件时，保险人对自通知之日起三个月内被保险人必须对该买方履行的发货或服务义务继续提供保障：
1. 规定发货或提供服务的销售合同是在保险人通知之日前6个月之内签订。 2. 被保险人在保险人通知后的8天内书面要求保险人核准所有上述的发货或提供的服务。 3. 如果被保险人已经或应该向保险人发出买家的逾期欠款通知，则该买家丌在本保障范围内。如果保险人要求被保险人停止对相关买家发货或提供服务，保险人将承担被保险人因重新出售而导致的损失，在无特别说明的情冴下，对该损失的最高赔偿金额为在原核定信用额度内，以发票金额的50％为限。
国内贸易短期信用保险的主要内容
• 信用额度 • 投保人为每个买家申请信用额度，信用额度的数额为在任一时点投保人给予买方的最高帐面放帐总额
• 保险人为每一赊销买家批复一个信用额度：此额度为本保单针对此买家的承保限额。 • 所有批复的信用额度均可循环使用，被保险人在保险期间可根据实际情冴提出的其买家信用额度的变更
保单一年一签
国内贸易短期信用保险的优势____产品优势
• • • ☆ 最长信用期限条款：被保险人可根据自己对买家的判断，自主决定在此期限内延长信用期限或提出索赔申报。该架构能在保障被保险人索赔时效的基础上，又给予被保险人维护好客户关系的自由度 ☆ 全面追偿服务：一旦发生索赔，只要在等待期内，保险人协劣收回的任何款项都是先还给被保险人，冲减损失金额，然后按照债款余额（即净损失）理赔，即使被保险人超出信用额度交易也是如此。这样能最大程度地利用保险的催收工作，降低损失。

国内贸易信用保险(0724)-李

8
• 概念 • 条款 • 流程 • 管理
9
• 特点
灵活设定索赔等待期
坚持统保原则下投保范围有一定灵活性
酌情授予被保险人延长买家付款期限的权
利
承保交易标的可为货物或服务，适用性强
国内短期贸易信用保险
清晰明确的索赔及理赔时间节点
10
• 适用
条款名称国内短期贸易信用保险条款
适用对象投保人/被保险人：在中华人民共和国境内注册的法人企业
• 4、平均信用期限不超过120天；
不予承保的买方业务
• 关联企业交易
• 建筑及安装业
• 房地产业
25
• 政府、军队
投保资料
卖方提供资料
• 1、填写投保单 • 2、买卖明细表 • 3、账龄报告 • 4、去年及今年经审计的三大财报 • 5、卖方已履行了对应交易合同项下的交货义务，并能够提供商业发票、
司有权要求卖方返还赔款
谢谢！
28
举例：
预计次年赊销额: 人民币 6,000,000元付款条件: 供货后2个月货款周转次数：12月/2月=6次
应申请的信用额度
6,000,000 = 6,000,000 = 1,000,000 元
Page
12 / 2
6
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保费如何收取？
保费根据被保险的赊销营业额计算, 预估的年赊销营业额是计算最低保费的基数
保费每季度提前支付（涉及融资的一次性支付）保险期末,根据实际申报的总赊销营业额计算实际保费，如果实际保费高于最低保险费,则做相应的保费调整
最低保费不予退回
举例： 2011年1月1日签订保单
保费费率 : 0.5 %
预计全年累计赊销额 :