信用保險(xiǎn)與保證保險(xiǎn)的區(qū)別-免費(fèi)閱讀
【正文】 第五篇：信用保險(xiǎn)英語(yǔ)四、Credit insuranceCredit insurance mainly includes three types of business: export credit insurance, investment insurance and domestic mercial credit country at present the main is offered export credit insurance and investment 、Export credit credit insurance covers importer fails to trade for exporters the loss caused by the international trade, by letter of credit and documents against payment, deferred payment,documentary against acceptance certain risk in the payment, can be insured export credit present in China to open the shortterm export credit insurance, export credit insurance and longterm special export credit credit insurance mainly include the risk of accept insurance business risk and political risk and that the buyer risk, it is to because the buyer of mercial credit risk caused by the risk and that country risk, it is to because the buyer can control government reasons in the 、Investment said political risk insurance, the castle in China39。這樣，買立可以經(jīng)常使用這個(gè)規(guī)定的信用限額，但高額的信用限額必須經(jīng)過(guò)承保人的批準(zhǔn)，專門為買方規(guī)定一個(gè)限額信用。出口信貸保險(xiǎn)應(yīng)堅(jiān)持承保保密原則，保單持有人不應(yīng)透露他所投保的有關(guān)事實(shí)，防止產(chǎn)生道德危險(xiǎn)。根據(jù)該保險(xiǎn)合同，被保險(xiǎn)人向保險(xiǎn)人交納保險(xiǎn)費(fèi)，保險(xiǎn)人賠償保險(xiǎn)合同項(xiàng)下買方信用及相關(guān)因素引起的經(jīng)濟(jì)損失。而借款人處于整體考慮和股東壓力，往往也會(huì)注意有保證擔(dān)保借款的按時(shí)償還。因此，保險(xiǎn)權(quán)利人的產(chǎn)品使用體驗(yàn)就取決于條款的設(shè)置和理賠的難度。許多省、市、自治區(qū)也根據(jù)本地實(shí)際制定了相關(guān)的扶持政策，如河南省對(duì)外貿(mào)易經(jīng)濟(jì)合作廳、財(cái)政廳也聯(lián)合制定了《河南省出口信用保險(xiǎn)專項(xiàng)扶持資金管理暫行辦法》，該暫行辦法規(guī)定，凡符合規(guī)定條件的企業(yè)，均可獲按應(yīng)繳并實(shí)際交納保險(xiǎn)金額的50%的專項(xiàng)資助。2001年12月18日，經(jīng)國(guó)務(wù)院批準(zhǔn)，合并以上兩家機(jī)構(gòu)的出口信用保險(xiǎn)業(yè)務(wù)，成立中國(guó)出口信用保險(xiǎn)公司，成為我國(guó)唯一的專業(yè)出口信用保險(xiǎn)機(jī)構(gòu)。出口信用保險(xiǎn)是以出口貿(mào)易和海外投資中的外國(guó)買方信用風(fēng)險(xiǎn)為保險(xiǎn)對(duì)象、以出口企業(yè)在執(zhí)行出口合同中應(yīng)當(dāng)享有的合法權(quán)利為保險(xiǎn)標(biāo)的的信用保險(xiǎn)。短期出口信用保險(xiǎn)：（簡(jiǎn)稱“短期險(xiǎn)”）。保險(xiǎn)公司在賠付后向買家追討的受益，按上述比例再分配給投保企業(yè)。而以上這些風(fēng)險(xiǎn)，是無(wú)法預(yù)計(jì)、難以計(jì)算發(fā)生概率的，因此也是商業(yè)保險(xiǎn)無(wú)法承受的。⑷、保險(xiǎn)費(fèi)性質(zhì)不同。保證保險(xiǎn)屬于擔(dān)保業(yè)務(wù)，被保證人所交付的費(fèi)用是一種擔(dān)保手續(xù)費(fèi)，是對(duì)保險(xiǎn)公司出具信用的一種報(bào)酬；而信用保險(xiǎn)屬于保險(xiǎn)，因此投保人交付的保險(xiǎn)費(fèi)是將被保證人的信用風(fēng)險(xiǎn)轉(zhuǎn)移給保險(xiǎn)人的價(jià)金，保險(xiǎn)人收取的保險(xiǎn)費(fèi)主要用于建立賠償基金。國(guó)際貿(mào)易中商業(yè)性保險(xiǎn)承保的對(duì)象一般是出口商品，承保的風(fēng)險(xiǎn)主要是因自然原因在運(yùn)輸、裝卸過(guò)程中造成的對(duì)商品數(shù)量、質(zhì)量的損害。四、投保出口信用保險(xiǎn)可確保收匯的安全性，擴(kuò)
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