中国出口信用保险公司短期出口信用保险综合保险条款

出口信保合同范本3篇篇一出口信用保险合同甲方（投保人/被保险人）：公司名称：______________________法定代表人：______________________地址：______________________联系方式：______________________乙方（保险人）：公司名称：______________________法定代表人：______________________地址：______________________联系方式：______________________鉴于甲方从事出口业务，为保障出口收汇安全，甲方愿意向乙方投保出口信用保险，乙方同意按照本合同的约定承担保险责任。

经双方协商一致，订立本合同。

一、保险范围1. 甲方在本合同有效期内，以赊销（O/A）、信用证（L/C）等方式出口的货物或服务，因商业风险或政治风险导致的应收账款损失。

2. 商业风险包括：买方破产、拖欠货款、拒绝接受货物等。

3. 政治风险包括：战争、内乱、外汇管制、政府禁令等。

二、保险期限本合同的保险期限自____年__月__日零时起至____年__月__日二十四时止。

三、保险金额保险金额为甲方在保险期限内预计出口的货物或服务的总金额，具体金额为：______________________。

四、保险费率保险费率为____%，保险费计算公式为：保险金额×保险费率。

五、保险费支付甲方应在本合同签订后的__个工作日内，将保险费一次性支付至乙方指定的账户。

六、理赔条件1. 甲方在发现可能的损失后，应在规定的时间内（通常为__个工作日）向乙方报案，并提供相关的证明文件和资料。

2. 乙方在接到报案和资料后，进行调查和审核，如确属保险责任范围内的损失，按照约定进行赔付。

七、赔偿处理1. 乙方在确定赔偿金额后，在__个工作日内将赔款支付给甲方。

2. 赔偿金额以甲方的实际损失为限，但不超过保险金额。

长安责任保险股份有限公司国内短期贸易信用保险条款总则第一条本保险合同由保险条款、投保单、保险单以及批单等有关文件组成。

凡涉及本保险合同的约定，均应采用书面形式。

第二条凡在中华人民共和国境内（不包括港、澳、台地区）注册的法人企业均可作为本保险合同的投保人和被保险人。

第三条保险人在本保险合同下仅承保试销合同和寄售合同除外的符合以下条件的国内买卖合同：（一）买方是在中华人民共和国境内（不包括港、澳、台地区）注册的法人企业；（二）标的物限于货物以及相关劳务；（三）合同中以书面形式明确约定了商品的品名、质量、数量、价格、付款方式、商品移交方式和运输方式等内容；（四）价款是以银行汇票、商业汇票、本票、托收承付、支票等银行结算方式支付，并且信用期限不超过180天。

保险责任第四条保险人对被保险人在保险期间内销售商品并提供如安装、调试等相关劳务，在按买卖合同约定将商品交付买方、并且买方接受商品后，由于下列原因引起的货款损失，保险人按照本保险合同的约定负责赔偿：（一）买方破产；“破产”指买方被法院宣告破产，或已接到法院关于破产清算的判决或裁定；或买方已由法院委任的清算人接管。

（二）买方的债权人已接收买方的全部资产。

（三）买方超过买卖合同约定的付款日期四个月仍未支付或未付清货款。

第五条保险事故发生后，被保险人因保险事故而被提起仲裁或者诉讼的，对应由被保险人支付的仲裁或诉讼费用以及事先经保险人书面同意支付的其他必要的、合理的费用（以下简称“法律费用”），保险人按照本保险合同约定也负责赔偿。

责任免除第六条下列原因造成的损失、费用和责任，保险人不负责赔偿：（一）被保险人的故意行为、违约行为或违法行为；（二）被保险人依法可以终止履行买卖合同时，仍向买方发货；（三）核反应、核辐射和放射性污染；（四）买方所在地区发生战争、军事行为、恐怖事件、武装冲突、叛乱、暴动、民众骚乱、飓风、洪水、地震、火山爆发和海啸；（五）国家机关的执法或司法行为。

附件：浦发银行短期出口信用保险项下贸易融资业务管理办法第一章总则第一条目的和依据为丰富我行业务品种，引入出口信用保险机制，推进我行本外币业务联动发展，根据《中华人民共和国商业银行法》、《贷款通则》、《浦发银行统一授信管理办法》、《浦发银行国际贸易融资指导意见》等规定，特制定本办法。

第二条相关定义（一）短期出口信用保险：指由中国出口信用保险公司（以下简称“中信保”）为保险人的短期出口信用保险综合保险，保险责任包括进口商的商业风险和政治风险（见附件1-1《中信保短期出口信用保险综合保险条款》）。

本办法所述保险单及其项下的最高赔偿限额、信用限额、信用期限、政治风险、商业风险、除外责任、出口等定义，按照中信保短期出口信用保险综合保险条款确定。

具体保险单的最高赔偿限额、承保风险类别等要素参照中信保出具的《保险单明细表》和《批单》，各买方的信用限额、信用期限、赔偿比例、支付方式等参照中信保出具的《信用限额审批单》和《短期出口信用保险承保情况通知书》（样本见附件1-2，以下简称“承保通知书”）。

（二）短期出口信用保险项下贸易融资：指在托收（包括付款交单D/P、承兑交单D/A）或汇入汇款（T/T）的出口结算方式下，出口企业投保短期出口信用保险综合保险，并以中信保批复信用限额的特定买方的出口业务向我行申请融资，以出口收汇款项作为还款来源；在我行、中信保、出口企业就该保险项下相应赔款转让和索赔权转让事宜达成协议等前提条件下，我行给予出口企业的出运后短期融资。

（三）短期出口信用保险项下贸易融资专项额度（以下简称“专项额度”）：指我行给予出口企业本项业务融资的最高限额，可以是单笔额度或循环额度。

额度项下融资方式可以采用流动资金（循环）贷款、出口托收押汇、出口T/T押汇或其它授信品种。

第三条业务管理专项额度纳入我行统一授信额度管理，审批权限参照对公授信业务授权管理规定。

专项额度内单笔融资无需审批，直接办理放款审核。

除本办法规定外，额度项下具体业务审核、操作等仍需按照相应的授信品种相关规定执行。

中国出口信用保险公司短期出口信用保险特定合同保险（2.0版）条款第一章适保范围第一条本保险单适用于在中华人民共和国境内注册的企业与买方所签订的商务合同项下信用期限不超过两年的出口。

第二章保险责任第二条对于被保险人在《保险单明细表》列明的商务合同项下已确立债权的应付款，由下列风险引起的直接损失，保险人按本保险单规定承担保险责任：（一）商业风险1. 买方破产或无力偿付；2. 买方违反商务合同项下对被保险人的付款义务且超过应付款日60天仍未付款；3. 买方违反商务合同的约定，致使商务合同提前终止或无法履行。

（二）政治风险1. 买方所在国或地区政府颁布法律、法令、命令、条例或采取行政措施，禁止或限制买方以商务合同约定的货币或其他可自由兑换的货币履行商务合同项下对被保险人的付款义务；2. 买方所在国或地区、项目所在国或地区政府颁布法律、法令、命令、条例或采取行政措施，禁止或限制买方根据商务合同进口货物或服务；3. 买方所在国或地区、项目所在国或地区、付款须经过的第三国颁布延期付款令；4. 买方所在国或地区、项目所在国或地区颁布法律、法令、命令、条例或采取行政措施，撤销已颁发给买方的许可证或者不批准已颁发的进口许可证有效期的展延，致使商务合同部分或全部无法履行；5. 买方所在国或地区、项目所在国或地区发生战争、武装冲突或暴乱，致使商务合同部分或全部无法履行;6. 保险人认定的属于政治风险的其他事件。

第三章除外责任第三条无论本保险单其它条款如何规定，保险人对被保险人的下列损失不承担赔偿责任：（一）被保险人违反商务合同约定或违反有关法律、法规引起的损失；（二）由于买方拒绝支付或推迟支付商务合同下的应付款所引起的间接损失；（三）商务合同中要求对买方出具的履约保函或其他保函项下发生的损失；（四）由于被保险人或者买方未能及时获得各种所需许可证、批准书或者授权，致使商务合同无法履行引起的损失；（五）汇率变动引起的损失；（六）因买方违约，被保险人按商务合同约定应向买方收取的违约金、损害赔偿金或罚金；（七）商务合同生效后，被保险人知道或应当知道本保险条款第二章第二条列明的风险已经发生，或者买方根本违反商务合同或预期违反商务合同，被保险人仍继续履行合同引起的损失；（八）被保险人无权直接从买方收取的款项的损失；（九）其他不属于本保险条款第二章第二条列明的风险引起的损失。

银行短期出口信用保险项下押汇管理办法第一章总则第一条为进一步规范本行短期出口信用保险项下押汇（以下简称“出口信保押汇”）业务，切实防范风险，提高运作质量，促进出口信保押汇业务逐步实现规范化、制度化、程序化管理，根据《银行出口押汇管理办法》及本行信贷业务相关管理制度要求，制定本办法。

第二条本办法所称短期出口信用保险是指出口商在中国出口信用保险公司（以下简称“中信保”）投保的短期出口信用保险，包括综合保险和中小企业综合保险。

综合保险承保出口企业以非信用证为支付方式和以信用证为支付方式出口的收汇风险。

中小企业综合保险承保中小型出口企业以非信用证为支付方式和以信用证为支付方式出口的收汇风险。

第三条本办法所称出口信保押汇是指出口商在中信保投保短期出口信用保险并将赔款权益转让给本行，出口商在货物出运后，本行向出口商提供有追索权的在途资金融通的短期贸易融资，在发生保险责任范围内的损失时，中信保根据保险单规定定损核赔后，将应付给出口商的赔款直接支付给本行。

第四条本办法所述保险单及其项下的最高赔偿限额、信用限额、信用期限、政治风险、商业风险、除外责任等定义，按照中信保短期出口保险中条款确定。

其中，全套保险单包括《投保人声明》、《保单明细表》、《保险费率表》《出口信用保险国家（地区）风险分类表和贸易险业务承保条件》、《短期出口信用保险综合保险条款》、《短期出口信用保险投保单》。

具体保险单的最高赔偿限额、承保风险类别等要素参照中信保出具的《保险单明细表》和《批单》，各买方的信用限额、信用期限、赔偿比例、支付方式等参照中信保出具的《信用限额审批单》和《短期出口信用保险承保情况通知书》（如有）。

第五条本办法所称出口信用保险责任指出口企业按合同约定出口货物后，或者作为信用证受益人按照信用证条款规定提交单据后，因政治风险和商业风险发生而导致的直接损失。

其中，政治风险包括买方或开证行所在国家或地区发生战争、外汇管制、进口管制、撤销许可证、颁布延期付款令、保险人合理认定的其他政治风险等原因造成的无法履约付款义务的风险。

中国出口信用保险公司国内贸易信用保险条款本保险单指本《国内贸易信用保险单》，其中包括《投保单》、《保险单明细表》、《批单》、《国内贸易信用保险条款》、《信用限额申请表》及其附表、《信用限额审批单》、《索赔单证明细表》、《委托代理协议书》、《申报单》及其它相关单证。

第一章 适保范围第一条 本保险单适用于在中华人民共和国境内注册的企业进行的符合下列条件的贸易，但寄售除外：（一）贸易合同以书面形式订立，且真实、合法、有效；（二）信用期限不超过本保险单约定的最长信用期限。

第二章 保险责任第二条 在本保险单有效期内，被保险人按贸易合同交付货物或提供服务后,且在《保险单明细表》列明的发票开票期限内开具发票，因下列风险引起的直接损失，在被保险人履行本保险单各项约定的条件下，保险人按本保险单的规定承担保险责任：（一）买方破产或无力偿付债务；（二）买方拖欠。

第三章 除外责任第三条 除非本保险单另有规定，保险人对下列损失不承担赔偿责任：（一）通常可由其它财产保险承保的损失；（二）除买方外，包括被保险人在内的任何其他方的破产或无力偿付债务、违约、欺诈或其它违法行为引起的损失；（三）被保险人知道或应当知道买方负面信息以及本条款第二条项下约定的风险已经发生，或交付货物或提供服务前被保险人依照贸易合同或相关法律的规定有权拒绝履行或中止履行交付货物或提供服务义务，仍继续向买方交付货物或提供服务所遭受的损失；（四）因被保险人或买方未能及时获得各种所需许可证或批准书，致使贸易合同无法继续履行而造成的损失；（五）因国家及地方各级国家机关所颁布的法律、法规、规章、其它规范性文件以及发布的命令、决定等导致贸易合同无法继续履行而造成的损失；（六）因不可抗力导致的损失；（七）被保险人与具有关联关系的主体之间贸易项下发生的损失；（八）被保险人依据法律规定或贸易合同约定应向买方收取的利息、罚息和违约金；（九）本保险单保险责任以外的其它损失。

第四章 责任限额第四条 本保险单责任限额包括最高赔偿限额和信用限额。

短期出口信用保险中小企业综合保险条款（小微企业适用2016版）保监会注册编号：C00001131312017060904121本保单指《短期出口信用保险中小企业综合保险单》（以下简称“本保单”，编号见《保险单明细表》），由《投保单》、《保险单明细表》、《保险合同》、《短期出口信用保险中小企业综合保险条款》（小微企业适用）、《批单》及其它相关单证组成。

1.适保业务第一条在中华人民共和国境内注册的企业进行的符合下列条件的出口贸易属于本保单的适保业务：（一）被保险人的货物从中华人民共和国境内出口，支付方式为付款交单（D/P）、承兑交单（D/A）和赊账（OA）或不可撤销的信用证（L/C），信用期限在一年以内；（二）被保险人的销售合同真实、合法、有效。

2.保险责任2.1可保风险第二条保险人对被保险人在保单有效期内产生的适保业务，因下列风险引起的直接损失，按本保单约定承担保险责任：（一）商业风险非信用证支付方式下包括以下情形：1.买方破产或无力偿付债务；2.买方拖欠货款;3.买方拒绝接受货物。

信用证支付方式下包括以下情形：1.开证行破产、停业或被接管；2.开证行拖欠；3.开证行拒绝承兑。

（二）政治风险非信用证支付方式下包括以下情形：1.买方所在国家或地区颁布法律、法令、命令、条例或采取行政措施：（1）禁止或限制买方以合同约定的货币或其他可自由兑换的货币向被保险人支付货款；（2）禁止买方所购的货物进口；（3）撤销已颁发给买方的进口许可证或不批准进口许可证有效期的展延。

2.买方所在国家或地区，或货款须经过的第三国颁布延期付款令；3.买方所在国家或地区发生战争、内战、叛乱、革命或暴动，导致买方无法履行合同；4.导致买方无法履行合同、经保险人认定属于政治风险的其他事件。

信用证支付方式下包括以下情形：1.开证行所在国家或地区颁布法律、法令、命令、条例或采取行政措施，禁止或限制开证行以信用证载明的货币或其他可自由兑换的货币向被保险人支付信用证款项；2.开证行所在国家或地区，或信用证付款须经过的第三国颁布延期付款令；3.开证行所在国家或地区发生战争、内战、叛乱、革命或暴动，导致开证行不能履行信用证项下的付款义务；4.导致开证行无法履行信用证项下付款义务的、经保险人认定属于政治风险的其他事件。

短期出口信用保险综合保险投保单请您仔细阅读保险条款，尤其是黑体字标注部分的条款内容，并听取保险公司业务人员的说明，如对保险公司业务人员的说明不明白或有异议的，请在填写本投保单之前向保险公司业务人员进行询问，如未询问，视同已经对条款的内容完全理解并无异议。

中国出口信用保险公司：遵照《短期出口信用保险综合保险条款》（3.0修订版）的规定，在提供以下信息、保证和声明的基础上，我公司特向贵公司提出投保短期出口信用保险综合保险的申请。

请贵公司对我公司自年月日起投保范围内的出口予以审核承保, 并及时通知我公司承保条件及费率。

一、投保人基本情况公司名称(中文)：(英文)：注册地址：地区:营业地址：组织机构代码：工商注册号：电话：传真：邮编：电子信箱：营业范围：出口开始年份：法定代表人：姓名：职务：电话：委托代理人：姓名：职务：电话：电子信箱：主要联系人：姓名：职务：电话：电子信箱：企业类型（请在适合的框内打“”）：国有企业[ ] 民营企业[ ] 外资企业[ ]经营性质（请在适合的框内打“”）：贸易公司[ ] 贸易代理[ ] 生产性企业[ ]是否上市公司（请在适合的框内打“”）：是[ ] 否[ ]二、投保人内部风险管理状况（请在适合空格内打“√”）1、风险控制责任人有专门风险管理部门和专职风险管理的高级经理公司高级财务经理专职人员负责，但职位较低没有专职风险管理人员（五）过去三年中超过10万美元逾期未收汇情况的细节2、可以近期向外汇管理局报送的逾期未收汇报表复印件代替此表。

四、投保范围(一)投保范围（下述选项中，第1、4项只能单选；第2、3项既可单选也相互可组合选择。

）1.全部非信用证支付方式的出口和全部信用证支付方式的出口[ ]2.全部非信用证支付方式的出口[ ]3.全部信用证支付方式的出口[ ]4.全部非信用证支付方式的出口和部分信用证支付方式的出口[ ]5.其他（请在下面列明）[ ]（二）投保金额：万美元六、其它需要说明事项（被保险人如有特殊要求，可在此填写）：七、随本投保单所附资料清单：八、声明与保证事项：（一）我公司郑重声明已经详读《短期出口信用保险综合保险条款》（3.0修订版），对上述保险条款，尤其是涉及免除或限制保险人责任的黑体字部分的条款内容，中国出口信用保险公司已向我公司进行了明确的提示和说明，我公司也已充分理解并无异议，并在此基础上填写本《投保单》。

短期出口信用保险含义短期出口信用保险承保信用期限在1年以内（通常180天以内，最长不超过2年）的业务，主要用于以付款交单（D/P）、承兑交单（D/A）、赊账（OA）等商业信用为付款条件的出口，以及银行开具的信用证（LC）项下的出口。

出口信用保险作用●控制风险——出口企业投保出口信用保险后，可以获得买家资信调查，由此将收汇风险控制在出运前端●保障收汇——货物出运后，一旦发生损失，出口企业将获得赔偿，正常进行出口退税、核销，企业经营不会因收汇风险而受到影响●融资便利——有了出口信用保险的保障，银行将更乐意为出口企业提供贸易融资，及时满足出口企业的资金需求●有利于出口企业采取多种贸易方式——投保出口信用保险后，出口企业可以更多地采用非信用证结算方式，增加贸易机会保险责任在保险期间内，被保险人按销售合同约定出口货物后，或作为信用证受益人按照信用证条款规定提交单据后，因下列风险引起的直接损失，在投保人按照本保险合同约定足额缴纳保险费,并且符合本保险合同所约定的其他条件下，保险人按本保险合同约定承担保险责任。

（一）商业风险，包括：非信用证支付方式下包括以下情形：1．买方破产或无力偿付债务；2．买方拖欠货款；3．买方拒绝接受货物。

信用证支付方式下包括以下情形：1.开证行破产、停业或被接管；2.开证行拖欠；3.开证行拒绝承兑，指在单证相符、单单相符的情况下，开证行拒绝承兑远期信用证项下的单据。

（二）政治风险，包括：非信用证支付方式下包括以下情形：1．买方所在国家或地区颁布法律、法令、命令、条例或采取行政措施：（1）禁止或限制买方以销售合同发票载明的货币或其他可自由兑换的货币向被保险人支付货款；（2）禁止买方所购的货物进口；（3）撤销已颁发给买方的进口许可证或不批准进口许可证有效期的展延；2.买方所在国家或地区，或货款须经过的第三国颁布延期付款令；3．买方所在国家或地区发生战争、内战、叛乱、革命或暴动，导致买方无法履行合同；4．导致买方无法履行合同的、经保险人认定属于政治风险的其他事件。

姓名：边雪梅学号：20080410040120 班级：08国经（1）班中国出口信用保险公司的出口信用保险分为：短期出口信用保险和中长期出口信用保险。

其中，短期出口信用保险是指贸易合同中规定的放帐期不超过一年的出口信用保险。

中长期出口信用保险是指贸易或信贷的信用期限在1年至10年的出口信用保险。

1、短期出口信用保险：一般情况下保障信用期限在一年以内的出口收汇风险。

适用于出口企业从事以信用证（L/C）、付款交单（D/P）、承兑交单（D/A）、赊销（OA）结算方式自中国出口或转口的贸易。

承保风险：---商业风险——买方破产或无力偿付债务；买方拖欠货款；买方拒绝接受货物；开证行破产、停业或被接管；单证相符、单单相符时开证行拖欠或在远期信用项下拒绝承兑。

---政治风险——买方或开证行所在国家、地区禁止或限制买方或开证行向被保险人支付货款或信用证款项；禁止买方购买的货物进口或撤销已颁布发给买方的进口许可证；发生战争、内战或者暴动，导致买方无法履行合同或开证行不能履行信用证项下的付款义务；买方支付货款须经过的第三国颁布延期付款令。

其中短期出口信用保险又包括一下几种：（1）综合保险：承保出口企业所有以信用证和非信用证为支付方式出口的收汇风险。

它补偿出口企业按合同规定出口货物后，或作为信用证受益人按照信用证条款规定提交单据后，因政治风险或商业风险发生而直接导致的出口收汇损失。

适用范围：货物、技术或服务从中国出口或转口；支付方式为：不可撤销跟单信用证、付款交单（D/P）、承兑交单（D/A）或赊销（O/A）等；付款期限：一般在180天以内，亦可扩展至360天；有明确、规范的出口贸易合同。

（2）统保保险：承保出口企业所有以非信用证为支付方式出口的收汇风险。

它补偿出口企业按合同规定出口货物后，因政治风险或商业风险发生而导致的出口收汇应收账款经济损失。

适用范围：货物、技术或服务从中国出口或转口；支付方式为：付款交单（D/P）、承兑交单（D/A）或赊销（O/A）等；付款期限：一般在180天以内，亦可扩展至360天；有明确、规范的出口贸易合同。

Short Term Export Credit Insurance - Comprehensive PolicyChapter One Scope of PolicyArticle I.Exports insurable under the Policy are the exports conducted by the entities incorporated under the law and registered within the territory of the People’s Republic of China (hereinafter refers to as “China”) who are licensed to handle import-export business provided the following terms and conditions are satisfied.1.Goods are exported from China,2.The Sales Contract, which specifies the transaction essentials including the name, qualitystandard, specification, quantity, price of the goods as well as the time limit forperformance, is issued in written form and come into effect before the export,3.The payment term includes documents against payment (D/P), documents againstacceptance (DA) and open account (OA), etc and the period of payment under which isnot exceeding 180days.Chapter Two CoverageArticle II.The Insurer shall indemnify the Insured, and subject to the payment of premium by the Insured in accordance with the terms and conditions of Article Five, against direct losses resulting from the following event occurring after the exports pursuant to the sales contracts.mercial risk:a.Buyer’s Insolvency and/or Inability to pay the debt due, namely the buyer is declaredto be bankrupt or loose the capability of paying debt;b.Protracted default, which occurs when the buyer has received the goods whilst the debtremains unpaid in whole or in part after expiration of the due date due to thenon-compliance of its contractual duty by the Buyer;c.Buyer’s Refusal to take delivery of the goods, namely the Buyer fails to observe itsduties under the sales contract and refuses to take delivery of the arrived goods.2.Political riska.The operation of any laws, regulations, orders, rules or administrative measures of thebuyer’s country or region which prevents or restricts the transfer of payments due in thecurrency designated in the invoice or in any other freely convertible currency.b.The imposition of any laws, regulations, orders, rules or administrative measures by thebuyer’s country or region which restrains the import of the goods ordered by the buyer.c.The imposition of any laws, regulations, orders, rules or administrative measures by thebuyer’s country or region which revokes the buyer’s previous import license or preventsthe extension of it’s validity;d. A general moratorium decreed by the buyer’s country or by a third country through whichthe payment must be effected;e.The occurrence of war, civil commotion, insurrection, revolution or rebellion, whichprevents the buyer from performing its contractual duty;f.Unless otherwise provided by the Policy, the occurrence of any other events deemed to bepolitical risks by the Insurer, which prevents the buyer from performing its contractualduties.Chapter Three ExclusionsArticle IIINotwithstanding other provisions contained in the Policy, the Insurer shall not be liable forany loss arising from the following events:1. Wear and tear, damage, spoilage, loss or destruction of the goods occurred during thetransportation and/or the storage period and/or the loss which has been insured or can beinsured at the time of export in the customary way by cargo insurance or other similarclass of insurance;2. Exchange rate fluctuations;3. A breach of any duties under the sales contract or any competent law by the Insured orits agent;4. Insolvency, any breach of contract, fraud, violation of law and any similar acts on thepart of the buyer’s agent;5Commercial risks due from export to any Affiliated Company;6 The frustration of the Sales Contract due to the failure of timely obtaining of anynecessary import or export license, approval or authorizations by the Insured or thebuyer;7. The Insured waives its rights to rescind or suspend the contract and carry on to releasethe goods despite the fact that risks listed in Article II of Chapter Two and/or thematerial breach and/or anticipating breach to the sales contract by the defaulting buyershas occurred and the occurrence of which has come into the Insured’s knowledge beforethe export;8. The export to the buyer when at the time of shipment the buyer’s Credit Limit approvedby the insurer is “Zero” or when the Credit Limit has been withdrawn, void or when theDiscretionary Credit Limit has no apply;9. The release of goods by any bank, freight forwarder or carrier without proper authority;10.The loss occurred prior to the export ;11.Ionizing radiations or contamination directly or indirectly caused by radioactivity ofnuclear waste or the combustion of nuclear fuel, and/or radioactive, toxic, explosive orother hazardous properties caused by any explosive nuclear assembly or nuclearcomponents thereof,12.The war(s) between any two or more of the permanent members of the Security Councilof the United Nations;13.Any other losses beyond the scope of Coverage of the Policy.Chapter Four Limit of LiabilityArticle IV.The Maximum Limit of Liability under this Policy is the maximum amount of aggregated loss the Insurer may be liable to pay during the term of the Policy and in respect of the exports declared under the Policy. The Maximum Limit of Liability will be specified in the Policy Schedule. Article V.The Credit Limit includes Discretionary Credit Limit set up by the Insured and Credit Limit approved by the Insurer.1.Unless otherwise provided by the Policy, the Discretionary Credit Limit operates whenthe Maximum Limit of Liability is automatically granted by the Insurer without priorapplication by the insured for exports to a certain buyer in accordance with the termsand conditions specified in the “Insured Country / Region List”. The DiscretionaryCredit Limit will be specified in the Schedule of the Policy. The Insurer will be liable to the exports in line with the Discretionary Credit Limit when the procedure for CreditLimit approval was not triggered. The Amount Payable is however subject to thePercentage of Indemnity specified in the Policy Schedule.2.The Credit Limit approved by the Insurer is the maximum amount of loss that theInsurer may be liable in respect to a certain export to a certain buyer. The amountpayable is however subject to the Percentage of Indemnity specified in the PolicySchedule. The Insured shall apply to the insurer in a written form for a Credit Limit foreach buyer individually. The Credit Limit approved by the Insurer is valid for thecorresponding export made after its effective date. Unless otherwise provided, suchCredit Limit is revolving for the whole period of insurance. The Discretionary CreditLimit becomes void accordingly once the Credit Limit approved by the Insurer cameinto effect.3. The Credit Limit approved by the Insurer in respect of a certain buyer becomes voidautomatically upon the Insured’s filling of “Notification of Like ly Loss” by to that certain buyer.Article VI.The Insurer reserves the right of withdrawing or modifying the Credit Limit, including Discretionary Credit Limit,in respect of a certain buyer or a certain country and inform the Insured in writing for the purpose of risk control, loss prevention and loss reduction. A withdraw or modification as such is valid for the export occurred after the date when the notice of withdraw or modification is served to the Insured or after its effective date specified in the notice.Chapter Five Premium and other chargesArticle VII. Premium1.This Policy is classified as a master Policy. Except for the export where the buyer’s CreditLimit approved by the Insurer is Zero or the Discretionary Credit Limit has no apply, the full premium shall be paid by the Insured for the entire export turnover insurable under the Policy and in line with the rate specified in the Policy Schedule.2.The Insurer will monthly calculate the payable premium on the basis of the invoice v aluedeclared by the Insured in accordance with Article XI of the Policy and at the rate specified in the Policy Schedule. The Insurer will then produce the corresponding Debit Note and send it to the Insured. The premium shall be paid by the Insured in full amount within 10 days when the Debit Note is served. The Insurer shall be released from any liability to the relevant export declared by the Insured in the case the Insured fails to pay the premium within the requisite time limit.3.The acceptance by the Insurer of any declaration and/or receiving of premium does notconstitute the acceptance by the Insurer of any insurance liability. The Insured’s due observes of the terms and condition contained in the Policy is a condition precedent to the Insurer’s liability of settling any claim.4.The Insurer reserves the right of modifying the rate applicable to a certain country or acertain buyer by giving a written notice to the Insured. The modified rate shall take effect as from the effective date stipulated in the notice of modification.Article VIII. Fees for Buyer’s Credit InvestigationFor each buyer that the applied Credit Limit is concerned, the Insurer shall charge the Insured for credit investigation in line with the tariff specified in the Policy Schedule and produce a credit assessment report accordingly. The Insured shall pay to the Insurer the relevant investigation fees within 10 days upon the receipt of the debit note.Chapter Six General ConditionsArticle IX.The full amount of premium shall be paid by the Insured to the Insurer as required by Chapter V of the Policy for the entire export turnover in line with the Scope of Policy, regardless the exportis declared or not. If the Insured intentionally or negligently fails to declare in whole or in part, and as a consequence the undeclared proportion of the premium exceeds 10% of the full payable premium, the Insurer’s obligation for the entire export business under the Policy is relieved in whole or in part and the premium paid to the insurer is not to be refund. The Insurer is further entitled to recover from the Insured any claim payment made before.Article X.The Insured shall provide, in the written form agreed by the Insurer, its declaration of the entire export turnover occurred in the previous month before the 10th date each and every month. The Insurer’s liability is relieved in whole or in part for the undeclared or wrongly declared proportion of the export. The Insured is obliged to declare as soon as possible and in a remedial way notwithstanding the failure to declare within the time frame in the first place. If however the loss has occurred and/or the insuring event has occurred to such un-declared export, the Insurer’s liability for the un-declared proportion of export is relieved.Article XI.The Insured warrants that all the documents and/or declaration provided to the Insurer are adequate and valid. In the case that the above documents or declaration is proved to be fraudulent, deceiving or misleading, the Insurer’s obligation(s) of any form in the Policy, including un-expired policy liability, outstandingly claim liability and un-paid claim liability, is (are) to be fully relieved and the Insured will not be entitled to refund of the paid premium whereas the Insurer is free to rescind the Policy in its sole discretion.Article XII.Without the obtaining of prior written consent from the insurer, the Insured shall not amend the sales contract, including but not limited to the amendment of term of payment or extension of the period of payment. Otherwise the Insurer shall not be liable for loss occurred to the underlying export.Article XIII.Cargo insurance for the declared export goods must be arranged either by the Insured or confirmed to be arranged the buyer. Otherwise, the Insurer shall not be liable for the loss occurred subsequent to the failure to do so.Article XIV.The Insured must take all reasonable care to review and verify the sales contract and the supporting certificate, audit the contract performance frequently and to take all practicable measures to collect the overdue account.Article XV.The Insured must submit in written form “Notification of Likely Loss” in line with the Article XX of the Policy. Failure by the Insured to do so, the Insurer is entitled to decrease the Percentage of Indemnity by 10% for each and every month in delay. Once the overdue amount is received after the submission of the “Notification of Likely Loss”, the Insured shall notify the Insurer in writing within 10 working days upon the receiving of the overdue amount.Article XVI.In the case of occurrence of Political risks covered by the Policy, the Insured shall, to the extend the law allows, require and supervise the buyer to pay the equivalent amount payable in local currency into a bank account named by the Insurer or the Insured with irrevocable instruction of transferring to the Insured.Article XVII.When the Insured become aware of any negative information in regard to the buyer and/or the occurrence or likely occurrence of any insured loss, the Insured shall take all necessary steps promptly to avoid or minimize the loss and shall inform the Insurer by a written notice. In the case that the Issuing Bank is declared to be bankrupt, the Insured is required by the Policy to registerthe relevant claims at the jurisdictional court or other relevant institutes where the buyer locates. Article XVIII.The Insured shall permit the Insurer full access of the relevant books of business, contracts, documents and certificates relevant to the LC, the shuttlecock letters with the Buyer, etc., and provide all assistance deemed necessary for the Insurer’s inspection.Article XIX.Insured must take all the steps to comply with the obligation the Policy may require. The insurer’s duty for payment is relieved in whole or in part when the insurer’s interest is prejudiced by the breach of the insured’s obligation.Chapter Seven Threatening Loss, Claims and Claim SettlingArticle XX. Threatening Loss1.The Insured shall submit the “Notification of Threatening Loss” to the Insurer within 10days upon the knowledge by the Insured of the occurrence of the insuring events under the Article II of the Chapter Two of the Policy including Political risk, the Insolvency of the Buyer and the Buyer’s Refusal to take delivery of the goods. In the case of Protracted Default, t he Insured shall submit the “Notification of Threatening Loss” to the Insurer within 2 months from the date of delay.2.The Insured is required to commence recovery upon the insurer’s direction after thesubmission of the “Notification of Threatening Loss” and the recovery expenses, except for the Attorney Fees, Litigation, Arbitration and the Commission, shall be bear by the Insurer in the first place. In the case of Insure d’s failure to do so, all expenses arising thereof shall be bear by the Insured.Article XXI. Claim1.Insured shall submit the “Letter of Claim” to the Insurer within 4 months following thesubmission of the “Notification of Likely Loss”. Failure to do so shall be viewed andtaken as the waiver by the Insured to claim under the Policy.2. The Insured shall provide all the supporting documents and certificate specified in the“Letter of Claim”，otherwise the Insurer is entitled to reject the file and not to proceed the claim handling process.Article XXII.Whilst in ascertaining losses relating to the contracts with payment guarantee clause or contracts under trade dispute, the following rules will apply:1.In the case of contracts with payment guarantee clause, unless otherwise accepted by theInsurer in a written form and before the guarantor has paid the amount in accordance with the guarantee agreement or that a final judgment enforceable was obtained from the court or arbitration court where the Insured has instituted the legal process, the process for claim handling and the ascertainment of loss will not be commenced2.In the case of buyer’s refusal to pay or to take delivery of goods resulting from tradedispute or antidumping measures, unless otherwise accepted by the Insurer in a written form and before the guarantor has paid the amount in accordance with the guarantee agreement or that the a final judgment enforceable was obtained from the court or arbitration court where the Insured has instituted the legal process, the process for claim handling and the ascertainment of loss will not be commenced3.The litigation fees and arbitration fees incurred under clause 1and clause 2 of this Articleshall be paid in advance by the Insured. Only if it is determined that the Insured has wonthe suit and that the loss is covered by the Policy, shall the above fees be shared between the insurer and the Inured in their respective proportion. Otherwise, all the relevant fees shall be in the Insured’s sole account.Article XXIII.The following items shall be deducted from the sum in calculation of loss amount:1.Items that have been paid, debited, set-off by the buyer or the item of counterclaim which has been agreed by the Insured2.Items that the Insured have recovered from other recourses, including but not limited toitems obtained by reselling the goods and/or disposing the pledge and/or sums paid by guarantor.3.The deducted or the waived part of the debt agreed by the Insured without prior consentof the Insurer.4.Interest or penalties which the Insured is entitled to under the sales contracts;5.Other items or interests belonging to the buyer that has been obtained or confirmed to beobtained by the Insured.6.Items beyond reasonable.Article XXIV.Notwithstanding the other provisions contained in the policy, in the case of B uyer’s refusal to take delivery of goods, the process for claim handling and the ascertainment of loss will not be commenced unless the Insured has finished the disposal work of the refused goods.Article XXV.In receipt of the “Letter of Claim” together with all of the relevant documents submitted by the Insured in accordance with the terms and conditions of the Policy, the Insurer shall investigate and verify the cause of loss within 4 months and inform the Insured in a written form of its decision. The Insurer shall pay the claims covered by the Policy by applying the Percentage of Indemnity specified in the Policy Schedule. The payment by the Insurer to the Insured shall not exceed the Credit Limit approved by the Insurer or the Discretionary Credit Limit multiplied with the above Percentage of Indemnity.Article XXVI.The total indemnity paid by the Insurer shall not exceed the invoice value of the export good in all events.Chapter Eight RecoveryArticle XXVIIIn the case of Insurer’s recovery appointed by the Insured, and it is ascertained that the Insured’s loss is covered by the Policy, the recovery expenses shall be shared between the Insurer and Insured in their respective proportion. If it is ascertained that the Insured’s loss is not covered by the Policy, the recovery expenses shall be in the Insured’s sole account.Article XXVIIIFollowing the payment by the Insurer, all the interests and rights relating to the respective sales contract shall be assigned to the Insurer.Article XXIXFollowing the payment by the Insurer, the Insured remains obligated to assist the Insurer in the recovery process against the buyer. Once the amount due is recovered from the buyer, the recovery amount and the expenses incurred shall be shared between the Insurer and the Insured in their respective proportion under the Policy. Any debt recovered or received by the Insured or its agent shall be viewed and taken as entrusted by the Insurer before proper disposal between Insurer and the Insured.Article XXXIn the case of the following events, the Insured shall refund the claim payment plus interests to the Insurer within 10 working days subsequent to the request of refund by the Insurer:1.The failure of the Insured to adhere to the Utmost Good Faith principle, conductfraudulent act and/or conspiratorial transaction with the buyer2.Upon the receive of insurance payment, Illegally accept the returned goods , allowdiscount and/or reach into agreement with buyer in debt collection or reconciliationChapter Nine CurrencyArticle XXXIExcept the fees for buyer’s credit investigation is paid in Renminbi, the currency under the Policy is USD (United State Dollar).Chapter Ten The Policy PeriodArticle XXXIIThe Policy Period is one year. The Insurer shall provide the Insured with “Notification of Policy Renewal” one month prior to the expiry of the Policy Period. If renewal is agreed by the Insured, the reply shall be returned to the Insurer ten days prior to the expiry of Policy Period and the Policy to be renewed accordingly under the terms specified in the Policy Schedule, Otherwise, the Policy shall be terminated upon the expiry date of the Policy Period. The Termination of the Policy shall not affect the liability accepted by the Insurer.Article XXXIIIIn the case of cancellation on the part of the Insured, the Insured shall inform the Insurer in writing and the Policy is terminated from the date the notice is delivered to the Insurer. The insurer’s liability under the Policy is fully terminated hereinafter.Article XXXIVIn the case of delay of premium payment for more than 2 months, the Insurer is entitled to cancel the Policy and inform the Insured in writing accordingly. The premium under the Policy paid beforehand shall not be refund.Chapter Eleven The Assignment of InterestArticle XXXVWithout obtaining prior agreement from the Insurer in writing, the Insurer shall not be bound by any disposing act of the underlying interest of the Policy, including assignment, mortgage, pledge, pawn and any other similar measures.Chapter Twelve Governing Law and Dispute ResolutionArticle XXXVI(The Policy is issued in both Chinese and English version and in case of conflict) The Chinese version shall prevail. The governing law of the Policy is the laws of China.Article XXXVIIAll disputes arising out of the Policy between Insurer and the Insured will be settled through friendly negotiation. Should no agreement be reached, the dispute shall be handled in the way(s) specified in the Policy Schedule.Chapter Thirteen DefinitionArticle XXXVIIIUnless otherwise specified in the Policy, the terms shall be construed in the way specified as below:1 The Policy“The Policy” means Short Term Export Credit Insurance – Comprehensive Policy (Number: see policy number in the Schedule), is consist of “Insured’s Declaration”, “Proposal Form or Application Form”, “Policy Schedule”,“Policy Wording”, “Insured Country (Region) List of Specification ”, “Application Form for Credit Limit”, “Approval Form of Credit Limit”, “Notification of the Withdraw/Decrease of Credit Limit”, “Declaration Form of ExportBusiness”, “Endorsement” and other relevant documents.2 The Insurer“The Insurer” means China Export & Credit Insurance Corporation, locates in No.5Fuchengmen North Street, Xicheng District, Beijing, P.R.China3 The Insured“The Insured” is the one specified in the No.2 Item of the Policy Schedule4 Export“Export” means the cargo has been declared to custom and been passed over to carrier or directly been passed over to buyer.5 Affiliated Company"Affiliate Company " of the Insured means any company who, through ownership of voting stock or otherwise, directly or indirectly controls, is controlled by or is under commoncontrol with the Insured.6 D/P“D/P – documents against payment ”, including D/P and other similar measures, means it is precedent upon the buyer to pay the contract sum in advance before the buyer is entitled to possess the shipping documents.7 D/A“D/A – documents against acceptance ”, including D/A and other similar measures, means it is precedent upon the buyer to accept bills of exchange before the buyer is entitled to possess the shipping documents8 OA“OA – open account” including OA, air transportation, overland transportation, sendingsome shipping documents directly to the buyer and other similar measures, means the buyer is entitled to possess the shipping documents directly without having to pay the contract sum or to accept bills of exchange.9 Recovery Fee“Recovery Fee” means the total expenses occurred during the recovery process, including investigation fee paid in advance and expenses and fees paid for litigation, arbitration,lawyers, public notary, evidence certifying and execution of the judgment, as well ascommissions payable to the recovery company or law office for the successful recovery of debt.。

短期出口信用保险承保情况通知书
尊敬的客户：
感谢您对我们短期出口信用保险产品的信任和支持！在此，我们将向您提供关于您选择的保险产品的承保情况通知。

根据您提供的信息和我们的风险评估，我们确认已经为您的出口交易提供了短期出口信用保险保障。

具体承保情况如下：
保险单号：XXXXXX
投保人名称：XXXXXX
受益人名称：XXXXXX
被保险人名称：XXXXXX
承保期间：自XXXX年XX月XX日至XXXX年XX月XX日
承保金额：XXXXX元
保费：XXXX元
保险责任：
本保险保障范围包括出口商品的质量、数量、交货期及收款违约等方面造成的损失。

若您的出口商品在途中发生损毁、灭失或收货方无法支付等情况，我们将按合同约定承担合理的赔偿责任。

保险条款：
本保险的相关条款已经在保险单中列明，为避免不必要的损失和纠纷，请您仔细阅读并按照条款规定履行相关义务。

如有疑问，欢迎随时联系我们的客服人员。

备注：
保险条款规定的免赔额为XXXX元。

最大赔偿限额为被保险金额XXXXX元/每个买方/每个发票号码.
投保参考：
为更好地保障您的出口交易，建议您在下次出口交易中继续购买我们的短期出口信用保险产品。

再次感谢您选择我们的保险产品，我们将继续通过专业的服务和高效的理赔为您的商业活动提供稳健保障。

祝商祺！
此致
敬礼
保险公司
XX年XX月XX日。