Foreign trade enterprises to export credit insuran
[ ] export credit insurance is a country in order to encourage and promote the country's export trade, as many export enterprises to take political risks because the importing countries (including war, foreign exchange controls, import controls and issuing deferred payments, etc. ) and importers of commercial risks (including bankruptcy, arrears and rejected) losses caused by exchange earnings insurance policy. After a decade of continuous exploration and practice, China People's Insurance Company has initiated a comprehensive short-term insurance, long-term export credit insurance buyers and sellers, overseas investment insurance, guarantee insurance and other insurance.
export credit insurance for insurance companies, foreign trade, specifically in the practical operation should note the following:
an application limits should pay attention to:.
1. contract once signed, should immediately apply to insurance companies limit. Credit will take some time because the survey, including internal turnaround time, foreign credit institutions entrusted the investigation period, sometimes up to a month old.
2. before the limit is not approval, if the contract changes in a timely manner with the insurance company.
3. If the contract is a way of L / C or D / P or D / A payment, but the choice of transport by air or bill of lading from the mail, this risk is equal to O / A risk should be Application limits O / A mode.
4. because the insurance company approved only assume foreign exchange risks within the conditions of the buyer's export credit limit, if the insurance company approved the export buyer credit limit is inconsistent conditions, such as the shipment date earlier than the limits in force date, the contract payment terms and payment terms are inconsistent limits, the insurance company will not be liable for damages. .
two for export declaration should be noted:.
1 export goods should be shipped in a timely manner fill "declaration of export credit insurance," the insurance company to declare and pay insurance.
2. according to the terms of export credit insurance Article 18 shall be omitted and false.
three how to handle claims:.
fill in the prescribed form "Claim Form" and provide the following information:.
1 detailed statement of case After a written report and deal with the situation occurs.
2. proof of insurance subject material, including trade contracts, bills of lading, export declaration (original), invoices, packing lists, bills of exchange, D / P or D / A power of attorney and collection methods acceptance documents D / A mode of (the file is in the country of export enterprises own detriment, an external self-protection basis, legal basis but also the external recovered). .
four reasons for the loss and the amount of evidence, including:.
1 buyer bankruptcy or loss of ability to repay proof.
2. non-acceptance or non-payment of the proof offered by banks and related institutions.
3. Correspondence between buyers and sellers.
4. proof of export claims have been involved in the company covered in the materials, including the policy (schedules, rates table), "Credit Limit Approval 'export declaration form.
V. insured obligation to truthfully provide other relevant information. .
six processing claims should be noted:.
1 found that the buyer has a credibility problem in the future to cope with 15 days unpaid, shall promptly report the "possible loss of a notice to the insurance company "and take all possible measures to reduce losses.
2. buyer is insolvent for losses caused by not later than the buyer is declared bankrupt or lose a month after informing the solvency of insurance companies.
3. For other causes of loss, claims no later than the expiration of the policy provisions Wait a claim within two months, otherwise the insurance company deemed exporters to give up equity, the right to exclusions. Anyway claims to insurance companies must be done properly documented, or affect the economic interests of exporters, but also to national interests suffer.
