信用险培训课件(单一买方产品理赔).ppt

AtradiusSpecialProductsPresentation安卓特殊风险产品介绍,2,Agenda目录NotificationofLossandReporting损失通知和报告ApplicationofFunds记账方式CostsofRecovery催收/追偿费用WaitingPeriod理赔等待期SubmissionofProofofLoss提交损失证明Indemnification理算赔付WorkflowSummary工作流介绍,3,TheInsuredtogivewrittennoticetotheInsurerwithin15daysafterbecomingawareofacircumstancewhichcouldresultinaLoss;被保险人知道有可能引起损失发生的信息后，15天内应当书面通知保险人TheInsuredtotakeallreasonablemeasuresatitsexpensetopreventorminimiseLoss.被保险人应当采取所有合理措施，防范或降低损失，并承担费用。,LossNotification损失通知,4,AllfundsreceivedbytheInsuredaftertheBuyerisindefaultshallbeappliedinchronologicalorderofduedates.发生买家恶意拖欠后，被保险人收到的所有回款应当按照应付款日的先后顺序冲抵欠款。,ApplicationofFunds记账方式,5,BeforethepaymentofclaimsInsuredbearsallCostsofRecovery赔款支付前被保险人承担所有的催收/追偿费用AfterpaymentofclaimsTobesharedbetweenInsurerandInsuredinaccordancewiththeinsuredanduninsuredpercentages.赔款支付后保险人与被保险人根据各自承担欠款的比例，分摊催收/追偿费用和追偿回款,CostsofRecovery,6,ProtractedDefault180days恶意拖欠180天InsolvencyNil破产没有等待期,WaitingPeriod等待期,7,Example案例:CreditTerm90daysandLosscausedbyProtractedDefaultandthereisnorecovery信用条件90天，恶意拖欠造成损失，且没有回款Invoice(1)duedate31December2013发票（1）到期日2013.12.31Invoice(2)duedate15January2014发票（2）到期日2014.01.15Invoice(3)duedate30January2014发票（3）到期日2014.01.30WaitingPeriodforInvoice(1)endson29June2014.Similarforbothinvoice(2)and(3).However,ifinvoice(1)wasrepaidbeforethewaitingperiod,thenthenewwaitingperiodwillbethatofinvoice(2)whichis14July2014.发票（1）的等待期结束日为2014.6.29，发票（2）和发票（3）的等待期同样方式计算。如果在等待期结束前买家支付了发票（1）的价款，那么，新的等待期将以发票（2）的等待期结束日2014.7.14为准。,WaitingPeriod等待期,8,Afterthewaitingperiod,theInsuredshallsubmitandpresenttheProofofLosstotheInsurerwithin12monthsfromtheDateofLossor30daysfollowingtherequestbytheInsurerforsubmissionofsuchProofofLoss.等待期后，被保险人应在损失发生日起12个月内，或者经保险人要求提交损失证明后30日内，向保险人提交损失证明资料。Article8保险条款第八条,ProofofLoss损失证明,9,UponreceiptoftheProofofLoss,theInsurershalldoaproperevaluationoftheclaimandrequesttheInsuredtoprovidedfurtherandanyadditionalinformationorevidenceifneeded.OncetheInsurerissatisfiedandhasacceptedthatitisavalidclaim,theInsurershallpaytheInsuredwithin30days.收到损失证明资料后，保险人应当进行赔案理算，如有必要，可要求被保险人进一步补充资料和其他额外信息。一旦保险人认可并确认赔案真实有效，保险人将在30天内向被保险人支付赔款。InsuredshallreleasetheInsurerofallLiabilitiesafterthesettlementoftheclaim.被保险人将在赔款支付后，签署权益转让书，将所有债权转移给保险人。,Indemnification理算赔付,10,Afterpaymentofclaim,anyamountrecoveredfromanysourceshallfirstapplytothecostsofrecovery.赔款支付后，从任何渠道所获得的任何回款将首先冲抵催收/追偿费用。BalancetobesharedbetweentheInsurerandtheInsuredaccordingtotherelativeproportionsofinsuredanduninsuredpercentages.保险人和被保险人将按照各自承担的比例，分摊费用和回款。,Recoveries催收/追偿,11,CCICtoinformAtradiusimmediatelyintheeventofaLossnotificationbytheInsured.大地收到被保险人的损失通知后，将及时告知安卓ToprovideregularupdatestoAtradius向安卓定期提供更新的赔案信息Toco-ordinatewithAtradiusandseeknecessaryapprovalforanyextraordinaryLossminimisationactions与安卓合作处理赔案，对特殊赔案需要与安卓审批同意SubmissionofProofofLosstoAtradiusforclaimcomputation