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Credit insurance, trade finance
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Update Date:2011-2-17
Financing Guarantee Co., Ltd. Yunnan Warwick
Model: Service
Name: WAN Jian Feng   Mr.
Phone: 086-0871-3386515/3335230
Fax: 086-0871-3349889
Mobile:
Website: http://www.hwrz.net
Address: Kunming Panlong White Dragon Road 1, 16th Floor, G
Post Code: 650216
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Details Wholesale Freight Payment
信用保险贸易融资业务是指销售商在我公司投保信用保险并将赔款权益转让给银行后,银行向其提供贸易融资,在发生保险责任范围内的损失时,我公司根据《赔款转让协议》的规定,将按照保险单规定理赔后应付给销售商的赔款直接全额支付给融资银行的业务。 Credit insurance, trade finance is the seller of credit insurance in our company and to claim insurance benefits transferred to the bank, the bank to provide trade financing, insurance coverage in the event of the loss, our company according to "claim assignment agreement" provisions in accordance with the provisions of insurance claims after the claims payable to the vendor paid in full directly to the financing bank''s business. 我公司信用保险项下的贸易融资不同于过去传统意义上的抵押、质押和担保贷款,而是引入了“信用贷款”的新概念。 Credit insurance company under the trade finance is different from the past, traditional mortgage, pledge and guarantee loans, but the concept of "credit" of the new concept. 它以销售商应收账款的权益作为融资基础,通过对建立在销售商资金实力和商业信用基础上的偿付能力的全面分析,在销售商投保我公司信用保险并将赔款权益转让给融资银行的前提下,银行针对销售企业的真实销售行为和确定的应收账款金额提供的一种信用贷款。 It is to the interests of sellers as accounts receivable financing basis, through the establishment of the vendor financial strength and solvency of commercial credit based on a comprehensive analysis of the vendor credit insurance and insurance company claims rights to the financing bank transfer under the premise of the bank for the sale of corporate behavior and to determine the actual sales amount of accounts receivable to provide a credit. 这种全新的融资模式使销售企业,特别是中小企业摆脱了因为抵押、担保能力不足,而无法获得银行融资的尴尬局面,为其扩大经营规模,提高竞争力创造了有利条件。 This new financing model to selling enterprise, especially SMEs, to get rid of because of security, guarantee lack of capacity, and can not obtain bank financing of the embarrassing situation, to expand its business scale, enhance competitiveness and create favorable conditions. 根据信用保险的保险标的不同,我公司产品分为出口信用保险和国内贸易信用保险,而我公司信用保险项下融资业务也分为出口信用险项下融资和国内贸易信用险项下融资业务。 According to the different insured credit insurance, our products into export credit insurance and domestic trade credit insurance and credit insurance company under the financing business is also divided into financing under export credit insurance and domestic trade financing under the credit insurance business. 一、出口信用保险项下融资业务出口信用保险项下融资业务,是银行针对已投保中国出口信用保险公司短期出口信用险的企业提供融资授信额度、并在额度内办理押汇和人民币贷款等,它是解决出口企业资金需求、加速企业资金周转的有效途径。 First, export credit financing business under insurance financing under export credit insurance business, banks have been insured for the China Export & Credit Insurance Corporation short-term export credit insurance credit line to finance the enterprise, and within the limits for Documentary and RMB loans, It is to solve the export business capital needs and accelerate their liquidity effective way. 出口商投保出口信用保险,申请限额,并与银行签署《赔款权益转让授权协议》,装运货物、向信保公司申报、缴纳保费,银行给予出口商短期本外币贷款。 Chu Koushang insurance export credit insurance, the application limits, and with the Bank signed "transfer of license rights claims", shipment, insurance companies reporting to the letter, pay premiums, the bank, give the exporter short-term foreign currency loans. 出口商可以就单笔出口业务申请出口保险项下的押汇或人民币贷款,也可以先申请授信额度,再在额度内办理押汇或人民币贷款。 Exporter may apply for an export to single export business under the Insurance Negotiating or RMB loans, you can also apply for credit line, and then within the limits for Documentary or RMB loans. (一)出口信用保险项下融资业务的优点它是一种信用授信方式,出口商一般无需提供担保即可获得融资。 (A) export credit insurance benefits under the financing business credit means it is a credit, exporters generally do not need to provide security to obtain financing. 可灵活选择融资币种。 Flexibility to choose the financing currency. 融资货币既可以是人民币,也可以是出口业务的结算货币,便于企业选择适当货币,以避免汇率风险。 Either funding currency RMB, may also be the settlement currency of the export business, easy business to choose the appropriate currency to avoid exchange rate risk. 通俗地讲,货物出运后,由于存在一定的账期,出口企业必须到应收汇日才能收回货款,这样无疑会增加企业的资金占压,延长出口周期。 More simply, after shipment, due to the presence of certain accounts, exporters have to date to recover the money should exchange earnings, which will undoubtedly increase their overall national strength, to extend the export cycle. 企业投保出口信用保险之后,出口收汇得到保障,银行就可以为货物出运后形成的应收账款提供贸易融资,提前将应收款变现,企业就可以将其用于采购原材料、安排生产和下一次出运。 Insurance export credit insurance business, the export proceeds are protected, the bank can be thought to form after shipment trade finance receivables, cash advance receivables, companies can be used to purchase raw materials for production and the next shipment. (二)出口信用保险项下融资的范围以付款交单(D/P)、承兑交单(D/A)、赊销(O/A)等为结算方式,信用证为结算方式的出口合同,付款期限通常不超过180天。 (B) financing under export credit insurance to the extent payment (D / P), Documents against Acceptance (D / A), credit (O / A) as the settlement, clearing the way for the export credit contract, payment terms are usually not more than 180 days. (三)出口信用保险项下融资的程序1、客户投保短期出口信用保险,为买方申请信用限额2、客户凭保单,限额审批单到银行申请融资,银行核定融资额度3、客户填写“签定《赔款转让授权协议》申请表”,同银行签定《赔款权益转让授权协议》,一并交由中国信保字盖章4、客户出运,到中国信保申报,缴纳保费5、客户凭出口申报单及保费发票及银行所需的相关单证如:出口合同、发票、货运单据、质检单、出口报关单等到银行押汇或贷款二、国内贸易信用保险项下融资业务国内贸易信用保险项下融资业务是银行针对已投保我公司国内贸易信用险的企业提供融资授信额度、并在额度内办理人民币贷款等业务。 (C) financing under the Export Credit Insurance program 1, the customer short-term export credit insurance coverage, apply for a credit limit of 2 for the buyer, the customer by policy, limit orders to the banks for financing approval, the bank approved financing amount of 3, the customer fill out the "signed "transfer of license claims" Application Form ", signed with the bank," claims the transfer of license rights ", be sealed by the word SINOSURE 4, the customer shipped to China Credit Insurance declaration, payment of the premium 5, the customer by their export declaration and premium invoices and related documents required banks such as: export contracts, invoices, shipping documents, quality inspection list, export declaration or loans until BANK BILLS Second, the domestic trade credit insurance business under the domestic trade credit financing financing business under the insurance for the insured bank domestic trade credit insurance company to provide financing business line of credit, and in the amount of loans in Renminbi business. 银行一般不接受贸易型和流通型企业应收账款的融资,基于固定资产抵押的传统融资模式,也已经不能满足企业的融资需要。 Banks generally do not accept the trade-and circulation enterprises accounts receivable financing, asset-backed fixed based on the traditional financing model, it can not meet the financing needs of enterprises. 国际上通行的做法是采用“应收账款+信用保险”的融资模式,这种模式将银行贸易融资风险进行分散,银行在放贷时无需再像原来那样担心来自贷款人自身和货款方等多方的风险,银行重点审核贷款的资质条件,而付款方的风险则由我公司承担。 Internationally accepted practice is to use "accounts receivable + credit insurance," the financing model that would spread the risk trade finance banks, bank lending as they are, when you no longer need to worry about themselves and the money from the lender side, etc. multi-risk, bank loan qualifications focus on audit, and the risk of side payments from our company. 由于由内贸险做后盾,企业的应收账款风险大大降低,使得贷款方的还款来源得到保证,银行的贷款风险也就随之降低,因此,企业更容易从银行得到融资。 As domestic insurance backed by the enterprise significantly reduced the risk of accounts receivable, making lenders guaranteed source of repayment, the bank''s credit risk also decreases, therefore, easier for enterprises to obtain financing from banks. (一)国内险项下贸易融资的优点: 首先,可使企业采用更加灵活的支付方式和信用条件扩大销售同时,企业也可以借助中国信保的信用审核,提升供应商对其资信评价,接受其信用采购方式,从而也间接满足了其融资需要。 (A) trade financing under the domestic insurance benefits: First, make enterprises to adopt more flexible credit terms of payment and to expand sales at the same time, enterprises can make use of the credit review SINOSURE to improve their credit rating provider, accept Credit purchases and thus indirectly to meet its financing needs. 其次,可使企业更容易取得银行融资的认可,获得信用保险项下的贷款融资便利。 Second, make it easier for enterprises to obtain bank financing approval, access to loans under the credit insurance to facilitate financing. 第三,可以帮助企业规避国内销售环节的信用风险,有效保障应收账款的回收。 Third, can help companies avoid the credit risk of the domestic marketing chain, the effective protection of the recovery of accounts receivable. (二)国内险项下贸易融资流程1、销售商投保我公司国内贸易保险、为买方申请信用限额后,提出融资需求。 (B) under the national insurance trade financing process 1, the domestic sales of commercial insurance company trade insurance, apply for a credit limit for the buyer, the proposed financing needs. 2、我公司与销售商共同选择适合的融资银行,三方就投保国内贸易信用保险后办理贸易融资达成一致后,签订《赔款转让协议》; 3、销售商向我公司交纳保险费、交付货物并进行申报后,我公司向银行出具《国内贸易信用保险承保情况通知书》,向银行反馈销售商申报及保费交纳情况等相关承保信息。 2, our company and the common choice of vendor financing for banks, three domestic trade credit insurance to cover for trade finance agreement, after, the signing of "claim assignment agreement"; 3, vendors to pay insurance premiums to our company to deliver goods and After the declaration, the company issued to the bank "situation of domestic trade credit insurance notice," the feedback from banks to pay the premium vendor reporting and insurance information and other related conditions. 4、销售商持《赔款转让协议》、保单及银行所需其他资料到银行办理融资手续。 4, the vendor who "claim assignment agreement", other information required for policy and bank to bank financing procedures. 5、若发生保险单责任范围内的可能损失,我公司按《赔款转让协议》将应支付给销售商的赔款直接支付给银行。 5, the event of liability insurance within the scope of possible loss, I press the "indemnity Transfer Agreement" will be paid to the vendor claims paid directly to the bank. 三、票据保险主要包括出口票据保险、国内商业承兑汇票贴现保险,保障银行对取得的票据兑付风险保障,支持银行对有融资需求企业进行融资。 Third, the paper mainly export bills the insurance insurance, domestic commercial acceptance bill discount insurance, protection of bank notes made in honor of risk protection, financing needs to support a corporate bank financing. (一)票据保险流程: 1、销售商与银行就票据贴现、押汇事宜基本达成一致意见后,由融资银行提出票据保险业务的书面申请并提供相关文件。 (A) notes the insurance process: 1, vendors and banks to bill discounting, negotiation agreement on basic issues, by the financing banks to bill the insurance business written application and provide the relevant documents. 2、我公司对票据付款人审批信用限额,向融资银行收取保险费。 2, I approve of the bill payer credit limit to finance the premium charged by banks. 3、融资银行根据我公司批复的票据付款人信用限额对销售商持有的票据提供贴现、押汇等融资服务。 3, the financing bank notes based on my company''s payer approved credit limit on retailers to provide discounted bills held, documentary bills and other financial services. 4、当发生保险责任范围内的损失时,融资银行按规定的格式向我公司提交《可能损失通知书》,在保险等待期满后,被保险人可向我公司正式提赔, 我公司将根据核定的实际损失金额和赔偿比例,将赔款直接支付给银行。 4, in the event of loss of insurance coverage, the financing bank required to submit the form to me, "notice of potential loss," waiting for after the expiration of the insurance, the insured may formally make a claim to my company, I will According to the approved amount and the actual loss ratio of compensation will be paid directly to the bank claims.
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