《国内短期赊销信用保险》.pptVIP

北京国采保险经纪有限公司 China Public Procurement Insurance Brokers DOMESTIC SHORT TERM  CREDIT INSURANCE 国内短期赊销信用保险 Credit Insurance 信用保险 A/R = Liquid Asset; Source of Operating Cash inflow; Increases with the Sales; however, mostly on Unsecured basis; 应收账款是流动性资产，是经营性现金流入的来源； 它伴随销售成长而增长，然而在多数情况下却是缺乏保证的 How to protect the AR against non-payment risk in the competitive and challenging environment? 如何在竞争和挑战性的商业环境下保护应收账款？ - Self Management 自行管理 - Credit Insurance 信用保险 　　　　　 　　 What is Credit Insurance 什么是信用保险？ The Insurance cover for Bad Debt or Non-Payment of account receivables (AR) arising out of trade 对贸易产生的应收账款坏账和拖欠付款的保险 Risk transfer + Credit management 风险转移的工具以及信用管理的顾问 Closer to commercial banking service than to general insurance 更加接近于商业银行服务，而非一般保险 Commercial Risks 商业风险 Insolvency (or equivalent in local jurisdiction) 无力偿付（破产或当地法律规定的同等情形) “Protracted Default” (non-payment at 180 days past due) 严重拖欠（应付款日后180天） Political Risks 政治风险 What Risk events does Credit Insurance Cover?信用保险所承保的风险事故 Whole turnover Policy 统保保单 Terms of Payment =180 Days 放账期限少于180天 Insured Percentage: 90% 承保比例90% Credit Limit 信用限额 Maximum Liability　　　　　　　最高保单责任限额 Policy structures and principles 保单的结构和原则 Factors to be considered when fixing premium rate 设定保险费率的考虑因素Turnover size 营业规模Payment Terms 付款期限Country Spread 国别风险分布Bad debt record 历史坏账纪录Buyers spread 买方分布Type of business 行业分布 信用限额的审核 信息数据库 风险审核 外部信息来源 专有信息渠道 Inform. Agencies - Risk offices Banks - Buyer visits Public data - Policyholder 风险评估 买方评级 所在行业 信用决策 当地经济…… 保单结构 通知被保险人 承保手续 第一步骤：填写信用保险投保单 预计应收账款销售额 (Whole Tu