四、Credit insurance
Credit insurance mainly includes three types of busine: export credit insurance, investment insurance and domestic commercial credit insurance.Our country at present the main is offered export credit insurance and investment insurance.
1、Export credit insurance.Export credit insurance covers importer fails to trade for exporters the lo caused by the contract.In international trade, by letter of credit and documents against payment, deferred payment,documentary against acceptance certain risk in the payment, can be insured export credit insurance.At present in China to open the short-term export credit insurance, export credit insurance and long-term special export credit insurance.Export credit insurance mainly include the risk of accept insurance busine risk and political risk.Busine risk and that the buyer risk, it is to because the buyer of commercial credit risk caused by the proceeds.Political risk and that country risk, it is to because the buyer can control government reasons in the risk.
2、Investment insurance.Have said political risk insurance, the castle in China\'s investment foreign investors by war or similar act of war, government authorities confiscated or requisition and relevant government departments and the limit of the damage from the summary.Investment insurance generally and engineering insurance or property insurance for together.加
3、Domestic commercial credit insurance is mainly aimed at enterprise in commodities trading proce produced in risk.In the Commodity Exchange proce, one side of the trading relationship with credit the provisions of the future ways of paying for the other party goods or services, but can\'t fulfill its payment commitment and causes loes to the other party at the poibility of existence.Such as the buyer payment default the seller, the seller is to accounts receivable is likely to face the lo of bad.Some people will think extraction is a bad debt reserve has to insurance, participate in this kind of commercial insurance not only have to pay the premium increase enterprise cost cost, and the insurance company involved in the supervision and the management of the enterprise activities can damage the company management of independence, but that\'s not the case.
