贸易贷款信用保险条款Word文档下载推荐.docx
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贸易贷款信用保险条款Word文档下载推荐.docx
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第三条自投保人提出保险申请、保险人同意承保,本保险合同成立。
自本保险合
同成立、保险人收取保险费并签发保险单起本保险合同生效。
Article3ThisinsurancecontractwillbeestablishedifthetheinsuredappliesandtheInsureragreetounderwrite.Thisinsurancecontractbecomeeffectivesincethisinsurancecontractcomeintoforce,theInsurercollectedpremiumandissuedinsurancepolicy.
保险对象InsuranceObject
第四条本保险适用于承保贸易贷款合同。
Article4ThisInsuranceapplytotradeloanscontract.
保险责任InsuranceCoverage
第五条保险责任范围
对所有属于本保险合同承保范围且无争议的贷款合同项下的债款,在被保险人签订该合同之后,若借方未按照该合同的规定还款,由此给被保险人带来的债款及利息损失,保险人依照本保险合同的规定承担赔偿责任。
保险人的保险责任起始于被保险人按照贸易贷款合同放款之时。
本保险合同所承保的放款需满足如下条件:
(一)放款须用于:
按照保险单中列明的销售合同的规定,就卖方交付的进口汽车,为买方支付对应价款;
(二)放款需在保险单规定的放款期内发生,相应款项需在本保险合同保险期间内拨付。
Article5InsuranceCoverage
Forthedebtsfallingintothescopeofthisinsurancecontract’scoverage,andtheinsurancecontractisnotcontradictory.AftertheInsuredsigningthisinsurancecontract,iftheborrowerfailstorepaytheloansaccordingtothisinsurancecontract,whichbroughtdebtandinterestslosstotheInsured,theInsurershallindemnifytheInsuredasagreedinthisinsurancecontract.
TheInsurer’sinsurancecoveragebeginsfromtheInsured’sgrantingloansaccordingtotheTradeLoansContract.
Loansgrantinginsuredbythisinsurancecontractshallmeetthefollowingconditions:
(1)Loansgrantingshallapplyto:
accordingtothestipulationsofsalescontractlistedintheinsurancepolicy,correspondingmoneypaidforthebuyersfortheimportedmotorswhichthesellersdelivered;
(2)Loansgrantingshalloccurintheloansgrantingperiodstipulatedbytheinsurancepolicy,andthecorrespondingmoneyshallbeappropriatedintheinsuranceperiod.
责任免除Exclusions
第六条下列合同导致被保险人损失的,保险人不负赔偿责任:
(一)被保险人与其关联企业或个人消费者签订的贷款合同;
或
(二)被保险人为卖方与卖方关联企业间,卖方与个人消费者间签订的销售合同提供融资而签订的贷款合同。
Article6Theinsurerisnotliableforanyloss,expenseandliabilitycausedbyorarisingfrom:
(1)LoanscontractsignedbetweentheInsuredanditsaffiliatedenterprisesorpersonalconsumers;
or
(2)LoanscontractwhichtheInsuredsignedforfinancingofthesalescontractsignedbetweenthesellersandthesellers’affiliatedenterprises,betweenthesellersandpersonalconsumers.
第7条保险人对被保险人的下列损失也不负赔偿责任:
(一)超过信用额度的损失。
(二)被保险人未遵守与信用额度相关的附属规定所导致的损失。
(三)在保险人拒绝或取消买方的信用额度后,被保险人依然放款所产生的债款遭受的损失。
(四)因在下列情况下签订贸易贷款合同或在下列情况下放款所导致的损失:
1.被保险人已经或应该向保险人发出有关买方负面信息或未还款通知(在该买方尚未清偿债款的情况下)的;
2.被保险人在签订贸易贷款合同前知道或应当知道买方已丧失清偿能力的。
Article7TheInsurerisnotliableforanyloss,expenseandliabilitycausedbyorarisingfrom:
(1)ThelosswhichisovertheCreditLimit;
(2)ThelosscausedbytheInsured’sfailuretoobeytheaffiliatedstipulationsoftheCreditLimit;
(3)ThelosscausedbythedebtresultedfromtheInsured’sstillgrantingloansaftertheInsureddeclinedorcanceledtheCreditLimitofthebuyers;
(4)Thelosscausedbythefollowingorsigningthecontractinthefollowingconditions:
A.TheInsuredhasalreadyorshouldhavealreadyissuedtheNoRepaymentNoticeortheBuyer’snegativeinformationtotheInsurer(intheconditionofthebuyer’snotrepayingallthedebts);
B.TheInsuredhasalreadyorshouldhavealreadyknowntheBuyer’sinsolvencybeforesigningthetradecreditcontract;
(5)因贸易贷款合同或为销售合同融资所做放款与保险单中规定的条件不符而导致的损失。
(六)因被保险人未遵守贸易贷款合同项下任何条款所导致的损失。
(七)违反贸易贷款合同条款放款、或所签订的贸易贷款合同违反相关法律法规所导致的损失。
(5)Thelosscausedbythetradecreditcontractorbecausetheloansgrantedforthesalescontractfinancingisnotcompliedwiththestipulationoftheinsurancepolicy;
(6)ThelosscausedbytheInsured’sfailuretoobeyanytermsofthetradecreditcontract;
(7)Thelosscausedbybreakingloansgrantingtermsoftradecreditcontractorthesignedtradecreditcontractisnotcompliedwithrelevantlawsorregulations;
(八)直接或间接由下列原因导致的损失:
1.任何原因导致的核爆炸或核污染;
2.战争、类似战争行为、敌对行为、武装冲突、军事行动、恐怖活动、谋反、政变、罢工、暴动、民众骚乱;
(8)Thelossdirectlyorindirectlycausedbythefollowingreasons:
A.Nuclearexplosionsornuclearcontaminationcausedbyanyreasons;
B.Wars,warlikeact,rebellion,militaryaction,armedconflicts,terrorism,strike,riot,civilcommotion;
(9)因逾期所产生的利息、违约金或其他惩罚性赔偿所导致的损失。
(9)Thelosscausedbytheoverdueinterests,penaltyorotherpunishmentindemnity.
第八条保险人对下述原因所致被保险人的损失也不承担赔偿责任:
(一)被保险人与各级政府部门所签订的贸易贷款合同;
(二)由于各级政府部门所采取的决定,导致贸易贷款合同无法履行或债款无法偿还。
Article8TheInsuredisnotliableforanyloss,expensecausedbyorarisingfromthefollowing:
(1)TradecreditcontractsignedbetweentheInsuredandgovernmentalinstitutionsofalllevels;
(2)Failuretoperformthetradecreditcontractorfailuretorepaythedebtcausedbythedecisionsmadebygovernmentaldepartmentsofalllevels.
保险期间InsurancePeriod
第9条本保险合同的保险期间以保险单载明为准,最长不超过一年。
Article9Theinsuranceperiodisnolongerthanoneyear,withinceptionandexpirydatespecifiedinthepolicy.
赔偿限额LimitofIndemnity
第10条在每一保险期间内,保险人对本保险合同项下债款的赔款总额累计不得超过保险单中载明的最高赔偿限额。
Article10Withineachinsuranceperiod,theInsurer’saggregateindemnitylimitunderthisinsurancecontractshallsubjecttothetopindemnitylimitspecifiedinthepolicy.
保险人义务ObligationsofInsurer
第11条本保险合同成立后,保险人应当及时向投保人签发保险单或其他保险凭证。
Article11Theinsurershallissueinsurancepolicyorotherinsurancecertificateaftertheestablishmentofthiscontract.
第12条保险人依本保险条款第十六条取得的合同解除权,自保险人知道有解除事由之日起,超过三十日不行使而消灭。
Article12TherighttovoidthecontractwhichobtainedaccordingtoArticle16shallbeonlyvalidfor30dayssincethedaytheInsurerbecomethereasonsforvoid.
第13条保险人在保险合同订立时已经知道投保人未如实告知的情况的,保险人不得解除合同;
发生保险事故的,保险人应当承担赔偿责任。
Article13IftheInsurerbecomeawareofthetheinsuredfailureoffulfillinghisdutyatthetimeofcontractestablishment,theInsurerhasnorighttocancelthePolicy,andtheInsurershallbeliablefortheobligationofindemnitywhenanylossoccurs.
第13条保险事故发生后,保险人按照第二十二条的约定,认为投保人、被保险人提供的有关索赔的证明和资料不完整的,应当及时一次性通知投保人、被保险人补充提供。
Article13Aftertheaccidentoccurs,theInsurershallinformtheInsuredinone-timemannertosupplementiftheclaimsproofsandrelevantdocumentsprovidedbythetheinsuredareincompleteaccordingtoArticle13.
第十四条保险人收到被保险人的赔偿请求后,应当及时就是否属于保险责任作出核定,并将核定结果通知被保险人。
情形复杂的,保险人在收到被保险人的赔偿请求后三十日内未能核定保险责任的,保险人与被保险人根据实际情形商议合理期间,保险人在商定的期间内作出核定结果并通知被保险人。
对属于保险责任的,在与被保险人达成有关赔偿金额的协议后十日内,履行赔偿义务。
保险人依照前款的规定作出核定后,对不属于保险责任的,应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书,并说明理由。
Article14AfterreceivingtheInsured’sclaimapplication,theInsurershallmakeclaimdecisioninatimelymannerandinformtheInsuredoftheclaimdecisiontimely.Foranycomplexsituation,iftheInsurerfailstodecidetheclaimliabilitywithin30daysafterreceiptoftheInsured’sclaimapplication,theInsurerandthetheinsuredshallnegotiateanreasonabletimeperiodforclaimassessment,andtheInsurershallmakethefinalclaimdecisionwithinsuchperiodandinformthetheinsured.ForwhichfallsintotheInsurer’sinsuranceliability,theInsurershallfulfillobligationofindemnitywithin30daysaftertheindemnityagreementestablishment.
TheInsurershallmakeclaimdecisioninaccordancewiththeprovisionsoftheprecedingparagraphforthoseclaimnotfallunderinsuranceliabilities,theInsurershallsendtheInsuredwithin3daysfromthedateofsuchdecisiontheClaimRefusalNoticetogetherwithreasonsofsuchRefusal.
第15条保险人自收到赔偿保险金的请求和有关证明、资料之日起六十日内,对其赔偿保险金的数额不能确定的,应当根据已有证明和资料可以确定的数额先予支付;
保险人最终确定赔偿的数额后,应当支付相应的差额。
Article15Iftheamountofindemnitycannotbeestablishedwithin60daysfromthefirstdayreceivingtheclaimapplicationalongwiththesupportinginformation,theamountwhichcouldbedeterminedbasedonavailableevidenceandinformationshouldbepaidfirst;
oncetheInsurerdeterminesthefinalclaimsamount,thebalanceshallbepromptlypaid.
投保人、被保险人义务
ObligationsofthepolicyholderandtheInsured
第十六条投保人应履行如实告知义务,如实回答保险人就有关情况提出的询问,并如实填写投保单。
投保人故意或者因重大过失未履行前款规定的如实告知义务,足以影响保险人决定是否同意承保或者提高保险费率的,保险人有权解除合同。
投保人故意不履行如实告知义务的,保险人对于合同解除前发生的保险事故,不承担赔偿责任,并不退还保险费。
投保人因重大过失未履行如实告知义务,对保险事故的发生有严重影响的,保险人对于合同解除前发生的保险事故,不承担赔偿责任,但应当退还保险费。
Article16ThepolicyholdershallfulfillthedutyofdisclosurebyansweringtrulythequestionsraisedbytheInsurer,andfillintheproposalforminhonest.
TheInsurerhastherighttovoidtheContractifthePolicyholderdeliberatelyorbygrossnegligencefailstofulfilltheaboveobligationwhichmayaffecttheInsurer’sdecisionofwhetherornottounderwritethebusinessorincreasethepremiumrate.
Ifthepolicyholderdeliberatelyfailstofulfilltheabove-mentionedduty,theInsurerwillnotbeliableforanylossincurredbeforethecancellationofthecontract,andthepremiumpaidbythepolicyholderisnotrefundable.
Ifthepolicyholderfailstofulfilltheabove-mentioneddutybygrossnegligencewhichhavesevereimpacttotheinsuredloss,theInsurerwillnotbeliableforanylossincurredbeforethecancellationofthecontract,butthepremiumpaidbythepolicyholdershallberefunded.
第17条如果投保人在投保单中所填写的内容,特别是投保人和被保险人企业经营性质、经营范围或法律属性等内容发生变化导致危险程度显著增加的,投保人应于变化发生后的10日内通知保险人。
如果被保险人丧失清偿能力或停止经营业务,保险人享有从相关事件发生之日起解除本保险合同的权利。
Article17ThepolicyholdershallinformtheInsuredwithin10daysafterthefactsespeciallythebusinessnature,businessscopeorlegalstatu
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