貿(mào)易貸款信用保險(xiǎn)條款

渤海財(cái)產(chǎn)保險(xiǎn)有限公司進(jìn)口汽車貿(mào)易貸款信用保險(xiǎn)條款BohaiPropertyInsuranceCompanyImportedMotorTradeLoansCreditInsuranceClause總則GeneralPrinciples本保險(xiǎn)合同由保險(xiǎn)條款、投保單、保險(xiǎn)單、保險(xiǎn)憑證以及批單組成。凡涉及本保險(xiǎn)合同的約定，均應(yīng)采用書面形式。Article1Thisinsurancecontractisconstitutedofinsuranceclauses,proposalform,insurancepolicy,insurancecertificateandendorsement.Allagreementrelatedtothisinsurancecontractshallinwrittenformat.本保險(xiǎn)合同中的部分名詞具有特定含義，見本條款“釋義”部分。Article2Partwordsofthisinsurancecontracthasspecificmeaning,pleasereferto”Definition”part.自投保人提出保險(xiǎn)申請(qǐng)、保險(xiǎn)人同意承保，本保險(xiǎn)合同成立。自本保險(xiǎn)合同成立、保險(xiǎn)人收取保險(xiǎn)費(fèi)并簽發(fā)保險(xiǎn)單起本保險(xiǎn)合同生效。Article3ThisinsurancecontractwillbeestablishedifthetheinsuredappliesandtheInsureragreetounderwrite.Thisinsurancecontractbecomeeffectivesincethisinsurancecontractcomeintoforce,theInsurercollectedpremiumandissuedinsurancepolicy.保險(xiǎn)對(duì)象InsuranceObject本保險(xiǎn)適用于承保貿(mào)易貸款合同。Article4ThisInsuranceapplytotradeloanscontract.保險(xiǎn)責(zé)任InsuranceCoverage保險(xiǎn)責(zé)任范圍對(duì)所有屬于本保險(xiǎn)合同承保范圍且無(wú)爭(zhēng)議的貸款合同項(xiàng)下的債款，在被保險(xiǎn)人簽訂該合同之后，若借方未按照該合同的規(guī)定還款，由此給被保險(xiǎn)人帶來(lái)的債款及利息損失，保險(xiǎn)人依照本保險(xiǎn)合同的規(guī)定承擔(dān)賠償責(zé)任。保險(xiǎn)人的保險(xiǎn)責(zé)任起始于被保險(xiǎn)人按照貿(mào)易貸款合同放款之時(shí)。本保險(xiǎn)合同所承保的放款需滿足如下條件：（一）放款須用于：按照保險(xiǎn)單中列明的銷售合同的規(guī)定，就賣方交付的進(jìn)口汽車，為買方支付對(duì)應(yīng)價(jià)款；（二）放款需在保險(xiǎn)單規(guī)定的放款期內(nèi)發(fā)生，相應(yīng)款項(xiàng)需在本保險(xiǎn)合同保險(xiǎn)期間內(nèi)撥付。Article5InsuranceCoverageForthedebtsfallingintothescopeofthisinsurancecontract’scoverage,andtheinsurancecontractisnotcontradictory.AftertheInsuredsigningthisinsurancecontract,iftheborrowerfailstorepaytheloansaccordingtothisinsurancecontract,whichbroughtdebtandinterestslosstotheInsured,theInsurershallindemnifytheInsuredasagreedinthisinsurancecontract.TheInsurer’sinsurancecoveragebeginsfromtheInsured’sgrantingloansaccordingtotheTradeLoansContract.Loansgrantinginsuredbythisinsurancecontractshallmeetthefollowingconditions:(1)Loansgrantingshallapplyto:accordingtothestipulationsofsalescontractlistedintheinsurancepolicy,correspondingmoneypaidforthebuyersfortheimportedmotorswhichthesellersdelivered;(2)Loansgrantingshalloccurintheloansgrantingperiodstipulatedbytheinsurancepolicy,andthecorrespondingmoneyshallbeappropriatedintheinsuranceperiod.責(zé)任免除Exclusions

第六條下列合同導(dǎo)致被保險(xiǎn)人損失的，保險(xiǎn)人不負(fù)賠償責(zé)任：被保險(xiǎn)人與其關(guān)聯(lián)企業(yè)或個(gè)人消費(fèi)者簽訂的貸款合同；或被保險(xiǎn)人為賣方與賣方關(guān)聯(lián)企業(yè)間，賣方與個(gè)人消費(fèi)者間簽訂的銷售合同提供融資而簽訂的貸款合同。Article6Theinsurerisnotliableforanyloss,expenseandliabilitycausedbyorarisingfrom:(1)LoanscontractsignedbetweentheInsuredanditsaffiliatedenterprisesorpersonalconsumers;or(2)LoanscontractwhichtheInsuredsignedforfinancingofthesalescontractsignedbetweenthesellersandthesellers’affiliatedenterprises,betweenthesellersandpersonalconsumers.保險(xiǎn)人對(duì)被保險(xiǎn)人的下列損失也不負(fù)賠償責(zé)任：（一）超過(guò)信用額度的損失。（二）被保險(xiǎn)人未遵守與信用額度相關(guān)的附屬規(guī)定所導(dǎo)致的損失。（三）在保險(xiǎn)人拒絕或取消買方的信用額度后，被保險(xiǎn)人依然放款所產(chǎn)生的債款遭受的損失。（四）因在下列情況下簽訂貿(mào)易貸款合同或在下列情況下放款所導(dǎo)致的損失:1．被保險(xiǎn)人已經(jīng)或應(yīng)該向保險(xiǎn)人發(fā)出有關(guān)買方負(fù)面信息或未還款通知（在該買方尚未清償債款的情況下）的；被保險(xiǎn)人在簽訂貿(mào)易貸款合同前知道或應(yīng)當(dāng)知道買方已喪失清償能力的。Article7TheInsurerisnotliableforanyloss,expenseandliabilitycausedbyorarisingfrom:(1)ThelosswhichisovertheCreditLimit;(2)ThelosscausedbytheInsured’sfailuretoobeytheaffiliatedstipulationsoftheCreditLimit;(3)ThelosscausedbythedebtresultedfromtheInsured’sstillgrantingloansaftertheInsureddeclinedorcanceledtheCreditLimitofthebuyers;(4)Thelosscausedbythefollowingorsigningthecontractinthefollowingconditions:A.TheInsuredhasalreadyorshouldhavealreadyissuedtheNoRepaymentNoticeortheBuyer’snegativeinformationtotheInsurer(intheconditionofthebuyer’snotrepayingallthedebts);B.TheInsuredhasalreadyorshouldhavealreadyknowntheBuyer’sinsolvencybeforesigningthetradecreditcontract;因貿(mào)易貸款合同或?yàn)殇N售合同融資所做放款與保險(xiǎn)單中規(guī)定的條件不符而導(dǎo)致的損失。（六）因被保險(xiǎn)人未遵守貿(mào)易貸款合同項(xiàng)下任何條款所導(dǎo)致的損失。（七）違反貿(mào)易貸款合同條款放款、或所簽訂的貿(mào)易貸款合同違反相關(guān)法律法規(guī)所導(dǎo)致的損失。(5)Thelosscausedbythetradecreditcontractorbecausetheloansgrantedforthesalescontractfinancingisnotcompliedwiththestipulationoftheinsurancepolicy;(6)ThelosscausedbytheInsured’sfailuretoobeyanytermsofthetradecreditcontract;(7)Thelosscausedbybreakingloansgrantingtermsoftradecreditcontractorthesignedtradecreditcontractisnotcompliedwithrelevantlawsorregulations;（八）直接或間接由下列原因?qū)е碌膿p失：1．任何原因?qū)е碌暮吮ɑ蚝宋廴荆?．戰(zhàn)爭(zhēng)、類似戰(zhàn)爭(zhēng)行為、敵對(duì)行為、武裝沖突、軍事行動(dòng)、恐怖活動(dòng)、謀反、政變、罷工、暴動(dòng)、民眾騷亂；(8)Thelossdirectlyorindirectlycausedbythefollowingreasons:A.Nuclearexplosionsornuclearcontaminationcausedbyanyreasons;B.Wars,warlikeact,rebellion,militaryaction,armedconflicts,terrorism,strike,riot,civilcommotion;因逾期所產(chǎn)生的利息、違約金或其他懲罰性賠償所導(dǎo)致的損失。(9)Thelosscausedbytheoverdueinterests,penaltyorotherpunishmentindemnity.第八條保險(xiǎn)人對(duì)下述原因所致被保險(xiǎn)人的損失也不承擔(dān)賠償責(zé)任：（一）被保險(xiǎn)人與各級(jí)政府部門所簽訂的貿(mào)易貸款合同；（二）由于各級(jí)政府部門所采取的決定，導(dǎo)致貿(mào)易貸款合同無(wú)法履行或債款無(wú)法償還。Article8TheInsuredisnotliableforanyloss,expensecausedbyorarisingfromthefollowing:(1)TradecreditcontractsignedbetweentheInsuredandgovernmentalinstitutionsofalllevels;(2)Failuretoperformthetradecreditcontractorfailuretorepaythedebtcausedbythedecisionsmadebygovernmentaldepartmentsofalllevels.保險(xiǎn)期間InsurancePeriod本保險(xiǎn)合同的保險(xiǎn)期間以保險(xiǎn)單載明為準(zhǔn)，最長(zhǎng)不超過(guò)一年。Article9Theinsuranceperiodisnolongerthanoneyear,withinceptionandexpirydatespecifiedinthepolicy.賠償限額LimitofIndemnity在每一保險(xiǎn)期間內(nèi)，保險(xiǎn)人對(duì)本保險(xiǎn)合同項(xiàng)下債款的賠款總額累計(jì)不得超過(guò)保險(xiǎn)單中載明的最高賠償限額。Article10Withineachinsuranceperiod,theInsurer’saggregateindemnitylimitunderthisinsurancecontractshallsubjecttothetopindemnitylimitspecifiedinthepolicy.保險(xiǎn)人義務(wù)ObligationsofInsurer本保險(xiǎn)合同成立后，保險(xiǎn)人應(yīng)當(dāng)及時(shí)向投保人簽發(fā)保險(xiǎn)單或其他保險(xiǎn)憑證。Article11Theinsurershallissueinsurancepolicyorotherinsurancecertificateaftertheestablishmentofthiscontract.保險(xiǎn)人依本保險(xiǎn)條款第十六條取得的合同解除權(quán)，自保險(xiǎn)人知道有解除事由之日起，超過(guò)三十日不行使而消滅。Article12TherighttovoidthecontractwhichobtainedaccordingtoArticle16shallbeonlyvalidfor30dayssincethedaytheInsurerbecomethereasonsforvoid.保險(xiǎn)人在保險(xiǎn)合同訂立時(shí)已經(jīng)知道投保人未如實(shí)告知的情況的，保險(xiǎn)人不得解除合同；發(fā)生保險(xiǎn)事故的，保險(xiǎn)人應(yīng)當(dāng)承擔(dān)賠償責(zé)任。Article13IftheInsurerbecomeawareofthetheinsuredfailureoffulfillinghisdutyatthetimeofcontractestablishment,theInsurerhasnorighttocancelthePolicy,andtheInsurershallbeliablefortheobligationofindemnitywhenanylossoccurs.保險(xiǎn)事故發(fā)生后，保險(xiǎn)人按照第二十二條的約定，認(rèn)為投保人、被保險(xiǎn)人提供的有關(guān)索賠的證明和資料不完整的，應(yīng)當(dāng)及時(shí)一次性通知投保人、被保險(xiǎn)人補(bǔ)充提供。Article13Aftertheaccidentoccurs,theInsurershallinformtheInsuredinone-timemannertosupplementiftheclaimsproofsandrelevantdocumentsprovidedbythetheinsuredareincompleteaccordingtoArticle13.第十四條保險(xiǎn)人收到被保險(xiǎn)人的賠償請(qǐng)求后，應(yīng)當(dāng)及時(shí)就是否屬于保險(xiǎn)責(zé)任作出核定，并將核定結(jié)果通知被保險(xiǎn)人。情形復(fù)雜的，保險(xiǎn)人在收到被保險(xiǎn)人的賠償請(qǐng)求后三十日內(nèi)未能核定保險(xiǎn)責(zé)任的，保險(xiǎn)人與被保險(xiǎn)人根據(jù)實(shí)際情形商議合理期間，保險(xiǎn)人在商定的期間內(nèi)作出核定結(jié)果并通知被保險(xiǎn)人。對(duì)屬于保險(xiǎn)責(zé)任的，在與被保險(xiǎn)人達(dá)成有關(guān)賠償金額的協(xié)議后十日內(nèi)，履行賠償義務(wù)。保險(xiǎn)人依照前款的規(guī)定作出核定后，對(duì)不屬于保險(xiǎn)責(zé)任的，應(yīng)當(dāng)自作出核定之日起三日內(nèi)向被保險(xiǎn)人發(fā)出拒絕賠償保險(xiǎn)金通知書，并說(shuō)明理由。Article14AfterreceivingtheInsured’sclaimapplication,theInsurershallmakeclaimdecisioninatimelymannerandinformtheInsuredoftheclaimdecisiontimely.Foranycomplexsituation,iftheInsurerfailstodecidetheclaimliabilitywithin30daysafterreceiptoftheInsured’sclaimapplication,theInsurerandthetheinsuredshallnegotiateanreasonabletimeperiodforclaimassessment,andtheInsurershallmakethefinalclaimdecisionwithinsuchperiodandinformthetheinsured.ForwhichfallsintotheInsurer’sinsuranceliability,theInsurershallfulfillobligationofindemnitywithin30daysaftertheindemnityagreementestablishment.TheInsurershallmakeclaimdecisioninaccordancewiththeprovisionsoftheprecedingparagraphforthoseclaimnotfallunderinsuranceliabilities,theInsurershallsendtheInsuredwithin3daysfromthedateofsuchdecisiontheClaimRefusalNoticetogetherwithreasonsofsuchRefusal.保險(xiǎn)人自收到賠償保險(xiǎn)金的請(qǐng)求和有關(guān)證明、資料之日起六十日內(nèi)，對(duì)其賠償保險(xiǎn)金的數(shù)額不能確定的，應(yīng)當(dāng)根據(jù)已有證明和資料可以確定的數(shù)額先予支付；保險(xiǎn)人最終確定賠償?shù)臄?shù)額后，應(yīng)當(dāng)支付相應(yīng)的差額。Article15Iftheamountofindemnitycannotbeestablishedwithin60daysfromthefirstdayreceivingtheclaimapplicationalongwiththesupportinginformation,theamountwhichcouldbedeterminedbasedonavailableevidenceandinformationshouldbepaidfirst;oncetheInsurerdeterminesthefinalclaimsamount,thebalanceshallbepromptlypaid.投保人、被保險(xiǎn)人義務(wù)ObligationsofthepolicyholderandtheInsured第十六條投保人應(yīng)履行如實(shí)告知義務(wù)，如實(shí)回答保險(xiǎn)人就有關(guān)情況提出的詢問(wèn)，并如實(shí)填寫投保單。投保人故意或者因重大過(guò)失未履行前款規(guī)定的如實(shí)告知義務(wù)，足以影響保險(xiǎn)人決定是否同意承保或者提高保險(xiǎn)費(fèi)率的，保險(xiǎn)人有權(quán)解除合同。投保人故意不履行如實(shí)告知義務(wù)的，保險(xiǎn)人對(duì)于合同解除前發(fā)生的保險(xiǎn)事故，不承擔(dān)賠償責(zé)任，并不退還保險(xiǎn)費(fèi)。

投保人因重大過(guò)失未履行如實(shí)告知義務(wù)，對(duì)保險(xiǎn)事故的發(fā)生有嚴(yán)重影響的，保險(xiǎn)人對(duì)于合同解除前發(fā)生的保險(xiǎn)事故，不承擔(dān)賠償責(zé)任，但應(yīng)當(dāng)退還保險(xiǎn)費(fèi)。Article16ThepolicyholdershallfulfillthedutyofdisclosurebyansweringtrulythequestionsraisedbytheInsurer,andfillintheproposalforminhonest.TheInsurerhastherighttovoidtheContractifthePolicyholderdeliberatelyorbygrossnegligencefailstofulfilltheaboveobligationwhichmayaffecttheInsurer’sdecisionofwhetherornottounderwritethebusinessorincreasethepremiumrate.Ifthepolicyholderdeliberatelyfailstofulfilltheabove-mentionedduty,theInsurerwillnotbeliableforanylossincurredbeforethecancellationofthecontract,andthepremiumpaidbythepolicyholderisnotrefundable.Ifthepolicyholderfailstofulfilltheabove-mentioneddutybygrossnegligencewhichhavesevereimpacttotheinsuredloss,theInsurerwillnotbeliableforanylossincurredbeforethecancellationofthecontract,butthepremiumpaidbythepolicyholdershallberefunded.如果投保人在投保單中所填寫的內(nèi)容，特別是投保人和被保險(xiǎn)人企業(yè)經(jīng)營(yíng)性質(zhì)、經(jīng)營(yíng)范圍或法律屬性等內(nèi)容發(fā)生變化導(dǎo)致危險(xiǎn)程度顯著增加的，投保人應(yīng)于變化發(fā)生后的10日內(nèi)通知保險(xiǎn)人。如果被保險(xiǎn)人喪失清償能力或停止經(jīng)營(yíng)業(yè)務(wù)，保險(xiǎn)人享有從相關(guān)事件發(fā)生之日起解除本保險(xiǎn)合同的權(quán)利。Article17ThepolicyholdershallinformtheInsuredwithin10daysafterthefactsespeciallythebusinessnature,businessscopeorlegalstatuswhichthepolicyholderfilledintheproposalformchangestoanextentthattheriskexposurehasanobviousincrease.IftheInsuredbecomeinsolventorclosebusiness,theInsurerhastherighttovoidthisContractsincethedaytheabove-mentionedsituationoccurs.投保人、被保險(xiǎn)人應(yīng)按保險(xiǎn)人要求提供進(jìn)口汽車貿(mào)易貸款合同、被保險(xiǎn)人放款有關(guān)的文件、放款所需單證及經(jīng)核證的副本，并允許保險(xiǎn)人進(jìn)行調(diào)查，包括核實(shí)被保險(xiǎn)人是否已履行合同義務(wù)，是否向保險(xiǎn)人全面、準(zhǔn)確、真實(shí)地進(jìn)行了申報(bào)。Article18ThepolicyholderandtheInsuredshallprovideimportedmotortradecreditcontract,theInsured’sloansgrantingrelateddocuments,loansrequireddocumentsandverifiedcopiesastheInsurer’srequirement,andshallallowtheInsurertoinvestigate,includingwhethertheInsuredhadfulfilledtheobligationofthisContract,andwhethertheInsuredhadreportedtotheInsurerfully,correctlyandtruly.第十九條被保險(xiǎn)人應(yīng)履行如下義務(wù)：（一）被保險(xiǎn)人在簽訂汽車貿(mào)易貸款合同前應(yīng)謹(jǐn)慎地評(píng)估買方風(fēng)險(xiǎn)。被保險(xiǎn)人必須如同未獲得本保險(xiǎn)合同時(shí)一樣合理、勤勉、認(rèn)真地管理放款事宜。（二）被保險(xiǎn)人在為買方申請(qǐng)信用額度時(shí)，應(yīng)告知保險(xiǎn)人任何能夠用以評(píng)估風(fēng)險(xiǎn)的相關(guān)信息，同時(shí)被保險(xiǎn)人應(yīng)確保買方已向其提供了所有與此相關(guān)的信息。（三）被保險(xiǎn)人應(yīng)采取所有必要、合理的措施，以保全其可向買方或第三方主張或行使的權(quán)利。（四）非經(jīng)保險(xiǎn)人書面同意，被保險(xiǎn)人須自行承擔(dān)本保險(xiǎn)合同未承保的風(fēng)險(xiǎn)。Article19TheInsuredshallfulfillthefollowingobligations:TheInsuredshallassessthebuyer’sriskprudentiallybeforesigningthemotortradecreditcontract.TheInsuredshallmanagetheloansgrantingmatterreasonably,diligentlyandseriouslylikewithoutthisinsurancecontract.Whenapplyinglineofcreditforbuyers,theInsuredshallinformtheInsureranyrelevantinformationwhichcouldbeusedforriskassessment.Atthesametime,theInsuredshallmakesurethattheBuyerhadalreadyprovidedtheabove-mentionedinformation.TheInsuredshalltakeallnecessaryandreasonablemeasurestosecuretherighttheInsuredcanexercisefromthebuyerorthethirdparties.TheInsuredshallundertaketheriskswhicharenotcoveredbythisinsurancecontractunlessagreedbytheInsurerinwrittenform.第二十條被保險(xiǎn)人對(duì)于每次放款授予買方的償還期限不得超過(guò)最長(zhǎng)信用期限。未經(jīng)保險(xiǎn)人同意，被保險(xiǎn)人不得向買方延展還款日。Article20TherepaymentperiodwhichtheInsuredgranttothebuyershallnotbemorethanthelongestcreditperiodforeachloansgranting.TheInsuredshallnotextendrepaymentdayforthebuyerunlesstheInsuredagreed.第二十一條投保人、被保險(xiǎn)人知悉下述情況后，應(yīng)立即以書面形式通知保險(xiǎn)人：（一）有關(guān)買方的任何負(fù)面信息。（二）買方喪失清償能力。（三）在未還款申報(bào)期限屆滿時(shí)，買方仍未還款。（四）在向保險(xiǎn)人發(fā)出未還款通知后，被保險(xiǎn)人收到任何還款的。Article21ThepolicyholderandtheInsuredshallinformtheInsurerinwrittenformimmediatelyifthefollowingsituationisknown:Anynegativeinformationaboutthebuyers;Buyer’sinsolvency;TheBuyer‘snotrepayingthemoneywhentheNon-repaymentfilingperiodexpired;TheInsuredreceivedanyrepaymentafterissuingNon-repaymentNoticetotheInsurer.第二十二條出現(xiàn)未還款時(shí)，被保險(xiǎn)人必須采取所有必要的措施以避免或減少損失。被保險(xiǎn)人必須勤勉、及時(shí)地行使其所享有的權(quán)利以保護(hù)被保險(xiǎn)人或保險(xiǎn)人收回債款的權(quán)利。如果債款是以匯票或本票為憑證的，被保險(xiǎn)人應(yīng)當(dāng)采取所有措施行使該票據(jù)權(quán)利，并對(duì)拒絕承兌和/或拒絕支付的票據(jù)款項(xiàng)行使追索權(quán)。Article22TheInsuredshalltakeallnecessarymeasurestoavoidordecreaselossifnon-repaymentoccurred.TheInsuredmustexerciseallrightsheenjoyedtoprotecttheInsuredortheInsurer’srighttocollectalldebts.Ifthedebtsiscertifiedbybillofexchangeorpromissorynote,theInsurershalltakeallnecessarymeasurestoexercisetherightsbelongingtothebillofexchangeorpromissorynote,andshallexercisetherightofrecourseforthebillswhichisturneddowntobeacceptedortobepaid.賠償處理Claims第二十三條被保險(xiǎn)人向保險(xiǎn)人索賠時(shí)，需提供有關(guān)債款及放款的書面證據(jù)、已獲得擔(dān)保的書面證據(jù)、有關(guān)買方喪失清償能力的書面證據(jù)（如買方喪失清償能力）以及放款被用于本保險(xiǎn)合同所承保的銷售合同項(xiàng)下的付款的書面證據(jù)（銷售合同復(fù)印件，交付證明，發(fā)票復(fù)印件等）。Article23WhentheInsuredclaimedfortheInsurer,theInsuredshallprovidewrittenproofrelatedwiththedebtsandloansgranting,writtenproofoftheobtainedwarranty,writtenproofofthebuyer’sbecominginsolvent(ifthebuyerbecomeinsolvent)andthewrittenproofwhichthecreditgrantingisusedforthepaymentofthesalescontractcoveredbythisinsurancecontract(copiesofsalescontract,deliverycertification,copiesofinvoice).貿(mào)易貸款合同中如規(guī)定有買方違約情況下被保險(xiǎn)人可要求提前償還債款的條款，該條款不得用于向保險(xiǎn)人索賠。經(jīng)保險(xiǎn)人事先同意，保險(xiǎn)人也可對(duì)該提前償還的債款進(jìn)行賠償，但在計(jì)算債款凈額時(shí)，尚未實(shí)際發(fā)生的合同利息將從被保險(xiǎn)人所受損失中扣除。IfthereisanytermsstipulatedthattheInsuredcanaskthebuyertorepayinadvanceincaseofthebuyer’sdefaultinthetradecreditcontract,thentheInsuredshallnotclaimfortheInsurerforthisterm.TheInsurercouldalsoindemnifythedebtswhichshouldberepaidinadvanceifagreedbytheInsurerbefore,however,thenon-occurredcontractinterestsshallbedeductedfromthelosstheInsuredincurredwhencalculatingthenetamountofthedebt.第二十四條如果買方喪失清償能力,保險(xiǎn)人在收到有關(guān)喪失清償能力的書面證據(jù)、有關(guān)債款及貿(mào)易貸款合同的所有文件，并與被保險(xiǎn)人達(dá)成有關(guān)賠償金額的協(xié)議后10日內(nèi)，履行賠償義務(wù)。Article24Ifthebuyerbecomeinsolvent,theInsurershallfulfilltheindemnityliabilitywithin10daysaftertheInsurerreceivedthewrittenproofofthebuyer’sbecominginsolventandalldocumentsrelatedwithdebtandtradecreditcontract,andreachedanindemnityagreementwiththeInsured.第二十五條由于買方喪失清償能力以外的其他原因?qū)е沦I方不付款的，保險(xiǎn)人將會(huì)在收到被保險(xiǎn)人提交的《未還款通知并要求保險(xiǎn)人介入申請(qǐng)書》之日起三個(gè)月的等待期屆滿時(shí)確定賠償金額。被保險(xiǎn)人已經(jīng)向保險(xiǎn)人提交所有相關(guān)債款及貿(mào)易貸款合同書面證據(jù)的，保險(xiǎn)人將在該等待期屆滿后10日內(nèi)支付相關(guān)賠款。Article25IftheBuyer’snonpaymentiscausedbythereasonsoutoftheBuyer’sbecominginsolvent,thentheInsurershalldecidetheindemnityamountafter3months’waitingperiodexpiredafterthedayreceivingthe<Non-paymentNoticeandApplicationofaskingforparticipationoftheInsurer>submittedbytheInsured.IftheInsuredhasalreadysubmittedallwrittenproofsaboutthedebtsandtradecreditcontracttotheInsurer,theInsurershallpayrelevantindemnityamountwithin10daysafterthewaitingperiodexpired.第二十六條保險(xiǎn)人以債款凈額乘以承保比例計(jì)算賠款；但如果債款凈額超過(guò)信用額度，則以該信用額度乘以承保比例計(jì)算賠款。Article26TheInsurercalculatetheindemnityamountinaformulathatthenetamountofthedebtmultiplythecoveredpercentage,butifthenetamountofthedebtisoverthecreditlimit,thentheindemnityamountshallbecalculatedasthecreditlimitmultiplythecoveredpercentage.第二十七條追償額按以下規(guī)定進(jìn)行處理：（一）被保險(xiǎn)人通知保險(xiǎn)人發(fā)生未還款后收到任何追償額的，必須立即通知保險(xiǎn)人。（二）賠款給付前收回的追償額，將從未償還的債款中減除，并用于結(jié)清償付日期最早的應(yīng)償付款項(xiàng)。（三）賠款給付后收回的追償額，在已支付賠款金額范圍內(nèi)的款項(xiàng)歸保險(xiǎn)人所有。如果收回的追償額總額超出債款，超出部分在扣除追償費(fèi)用后退還被保險(xiǎn)人。Article27Recoveryamountshallbeprocessedasthefollowingterms:TheInsuredshallinformtheInsurerimmediatelyonceanyrecoveryamountisreceivedaftertheInsuredinformtheInsurerofNonrepayment.Therecoveryamountcollectedbeforetheindemnityamountispaidshallbedeductedfromtheunpaiddebts,andshallbeusedfortheearliestduepayments.TherecoveryamountcollectedaftertheindemnityamountispaidshallbeownedbytheInsurer.Ifthetotalrecoveryamountcollectedisoverthedebts,thentheoverpartaftertherecoverycostdeductedshallberefundedtotheInsured.第二十八條賠款支付后，在賠償金額范圍內(nèi)，保險(xiǎn)人對(duì)被保險(xiǎn)人所擁有的、與被保險(xiǎn)人債款相關(guān)的本金、利息及抵押物的權(quán)利擁有代位求償權(quán)。被保險(xiǎn)人應(yīng)為保險(xiǎn)人獲得和有效行使代位求償權(quán)提供必要的文件及協(xié)助，并應(yīng)向保險(xiǎn)人轉(zhuǎn)移或轉(zhuǎn)讓有關(guān)權(quán)利或物品。保險(xiǎn)人獲得代位求償權(quán)后，并不因此免除被保險(xiǎn)人依法追償債款及依照保險(xiǎn)人指示處理該債款相關(guān)事宜的義務(wù)。Article28Aftertheindemnityamountispaid,theInsurerhassubrogationrighttotheprincipal,itsinterestsandmortgagerightrelatedwiththeInsured’sdebtswhichtheInsuredenjoyedwithinthescopeofindemnityamount.TheInsuredshallprovidenecessarydocumentsandassistancefortheconvenienceoftheInsurer’sobtainingandexercisingsubrogationright,andshalltransferorassignrelevantrightsorgoodsfortheInsurer.TheInsured’sdebtrecoveryrightandtheobligationofdealingwithdebtsanddebtsrelatedmatterasinstructedbytheInsurershallnotbeexemptedaftertheInsurerobtainedthesubrogationright.第二十九條當(dāng)被保險(xiǎn)人與買方發(fā)生債款爭(zhēng)議時(shí)，保險(xiǎn)人停止支付任何相關(guān)的賠款，直至爭(zhēng)議由仲裁機(jī)構(gòu)或人民法院做出買方應(yīng)向被保險(xiǎn)人承擔(dān)賠償責(zé)任的裁定或終審判決，且該裁定或判決具有可執(zhí)行性。Article29WhentheInsuredhascontroversywiththeBuyersforthedebt,theInsurershallstoppayingindemnityamountuntilArbitrationInstitutionorPeople’sCourtmadetherulingorfinaljudgmentthattheBuyershallindemnifytotheInsured,andtherulingorjudgmentisenforceable.第三十條保險(xiǎn)人支付賠款后，經(jīng)確認(rèn)損失不屬于本保險(xiǎn)合同承保范圍的，或買方喪失清償能力而該筆債款最終未被列入破產(chǎn)債權(quán)范圍或未得到法律認(rèn)可的，保險(xiǎn)人有權(quán)要求被保險(xiǎn)人返還賠款。Article30AftertheInsurerpaidtheindemnityamount,andthelossisconfirmednotcoveredbythisinsurancecontractlater,ortheBuyerbecomeinsolventandthedebtsdoesnotfallintothescopeofbankruptcydebtorisnotacknowledgedlegallyTheInsurerhasrighttoasktheInsuredtorefundtheindemnity.第三十一條被保險(xiǎn)人將承擔(dān)本保險(xiǎn)合同項(xiàng)下應(yīng)由其支付的款項(xiàng)，并且即使保險(xiǎn)人同意向被保險(xiǎn)人支付賠款，被保險(xiǎn)人應(yīng)支付的款項(xiàng)也不可與其認(rèn)為保險(xiǎn)人應(yīng)當(dāng)向其支付的任何款項(xiàng)相抵銷。Article31TheInsuredshallundertaketheamountwhichshouldbeundertakenbytheInsuredunderthisinsurancecontract,andeventheInsureragreetopayfortheInsured,theamountwhichshouldbeundertakenbytheInsuredshallnotbeoffsetwithanyamountwhicharedeemedtobepaidbytheInsurerintheInsured’sopinion.第三十二條由于被保險(xiǎn)人未能履行本保險(xiǎn)合同規(guī)定義務(wù)導(dǎo)致保險(xiǎn)人不承擔(dān)賠償責(zé)任的，如果保險(xiǎn)人已支付該相關(guān)債款的賠款，被保險(xiǎn)人應(yīng)返還保險(xiǎn)人已支付的賠款。Article32IftheInsurershallnotundertaketheindemnityliabilitycausedbytheInsured’sfailuretofulfilltheobligationunderthisinsurancecontract,andiftheInsurerhasalreadypaidrelevantindemnityamount,thentheInsuredshallrefundtheInsurer’spaidamount.爭(zhēng)議處理Disputes第三十三條因履行本保險(xiǎn)合同發(fā)生的爭(zhēng)議，由當(dāng)事人協(xié)商解決。協(xié)商不成的，依法提請(qǐng)有管轄權(quán)的人民法院訴訟解決。Article33Shouldanydisputearisesinthecourseofexecution,thepartiesshallsettlethedisputethroughnegotiation.Ifnoagreementisreachedthroughnegotiation,suchdisputeshallbepresentedtotoapeople'scourtofthePeople'sRepublicofChina.第三十四條本保險(xiǎn)合同的爭(zhēng)議處理適用中華人民共和國(guó)法律。

Article33AnydisputerelatedtotheexecutionofthisinsurancecontractshallbegovernedbythelawsofthePeople'sRepublicofChina.其他事項(xiàng)OtherConditions第三十五條保險(xiǎn)合同的履行（一）如果投保人未及時(shí)支付全部或部分保費(fèi)，在保險(xiǎn)人書面催繳保費(fèi)通知送達(dá)后15日內(nèi)仍未全額繳清應(yīng)付保費(fèi)的，本保險(xiǎn)合同效力中止。經(jīng)投保人申請(qǐng)并經(jīng)保險(xiǎn)人同意，在投保人繳清全部保費(fèi)及逾期利息、費(fèi)用后，本保險(xiǎn)合同可以復(fù)效，但保險(xiǎn)人也享有拒絕復(fù)效申請(qǐng)、解除本保險(xiǎn)合同的權(quán)利。（二）由于本條第（一）項(xiàng)原因?qū)е卤颈ｋU(xiǎn)合同被解除或中止的，投保人必須立即支付本保險(xiǎn)合同解除或中止前的所有應(yīng)付保費(fèi)。若存在未滿期保險(xiǎn)費(fèi)，則保險(xiǎn)人按照以下方式計(jì)算應(yīng)退給投保人的未滿期保險(xiǎn)費(fèi)：Article35FulfillmentoftheinsurancecontractThisinsurancecontractwillterminateifthepolicyholderfailstopayallorpartofthepremiuminatimelymanner,andstillnotpayingallthepremiumpayablewithin15daysafterthewrittenNoticeofpremiumpaymentisdelivered.ThisinsurancecontractcouldreinstateifthepolicyholderapplyandtheInsuredagreedwiththeapplication,andthepolicyholderhadpaidupallthepremiumandoverdueinterestsandexpense.However,theInsureralsohastherighttorefusethereinstatementapplicationandvoidthisinsurancecontract.Iftheinsurancecontractisterminatedorcanceledbecauseoftheaboveterm(1),thepolicyholdershallpayallpremiumpayablebeforetheterminationorcancellationofthisinsurancecontractimmediately.Ifthereisunearnedpremium,thentheInsurershallcalculatetheunearnedpremiuminthefollowingformula:未滿期保險(xiǎn)費(fèi)＝保險(xiǎn)費(fèi)×退保系數(shù)Unearnedpremium=premium×cancellationcoefficient其中退保系數(shù)按照保險(xiǎn)單已生效月份數(shù)占保險(xiǎn)期間月份數(shù)的比例確定，確定方式見下表，保險(xiǎn)單已生效期間不足一個(gè)月的按一個(gè)月計(jì)算。Thecancellationcoefficientshallbedeterminedastheeffectivemonthstothemonthsofinsuranceperiod,pleaserefertothedetailsinthetablebelow,and1monthsshallbeusedftheeffectivemonthislessthan1month.保險(xiǎn)單已生效月份數(shù)/保險(xiǎn)期間月份數(shù)（S）Effectivemonthsofpolicy/monthsofinsuranceperiod(S)退保系數(shù)CancellationcoefficientS≤10%65%10%＜S≤20%60%20%＜S≤30%45%30%＜S≤40%35%40%＜S≤50%25%50%＜S≤60%15%60%＜S≤70%10%70%＜S≤80%5%S＞80%0名詞解釋Definitions一、債款指在本保險(xiǎn)合同保險(xiǎn)單列明的承保范圍內(nèi)，根據(jù)貿(mào)易貸款合同，買方應(yīng)支付的所有未付清欠款及利息。Debt(s)Referstoallunpaiddebt(s)andtheinterestpayablebythebuyeraccordingtothetradeloanscontract,andinthecoverageofthePolicyofthisinsurancecontract.二、貿(mào)易貸款合同指被保險(xiǎn)人與借方簽訂的合同，該合同的目的是為了對(duì)銷售合同項(xiàng)下賣方所做交付進(jìn)行付款。TradeloanscontractReferstothecontractsignedbytheInsuredandtheborrower,andthepurposeofthiscontractistopayfortheseller’sdeliveryunderthesalescontract.三、買方指保險(xiǎn)單列明的銷售合同中承擔(dān)付款義務(wù)的企業(yè)。Buyer(s)Referstotheenterprise(s)whichundertaketheobligationofpaymentinthesalescontractlistedinthePolicy.四、賣方指保險(xiǎn)單列明的銷售合同中承擔(dān)交付貨物義務(wù)的企業(yè)。Seller(s)Referstotheenterprise(s)whichundertaketheobligationofgoodsdeliveryinthesalescontractlistedinthePolicy.五、借方指與被保險(xiǎn)人簽訂進(jìn)口汽車貿(mào)易貸款合同的企業(yè)，可以是銷售合同中的賣方，也可以是銷售合同中的買方或?yàn)橘I方進(jìn)行融資的機(jī)構(gòu)。Borrower(s)Referstotheenterprise(s)whichsignedtheimportedmotortradeloanscontract,whichcouldbetheseller(s)ofthesalescontract,andcouldalsobethebuyer(s)ofthesalescontractorthefinancinginstitutionsforbuyer(s).六、放款指在本保險(xiǎn)合同保險(xiǎn)單列明的承保范圍內(nèi)，根據(jù)進(jìn)口汽車貿(mào)易貸款合同，被保險(xiǎn)人向賣方支付的所有款項(xiàng)。LoansgrantingReferstoallamountstheInsuredpaidtotheseller(s)accordingtotheimportedmotortradeloanscontractinthecoverageofthePolicyofthisinsurancecontract.七、銷售合同指由賣方和買方簽訂的、有付款規(guī)定的銷售進(jìn)口汽車的合同。試用銷售合同和寄售合同除外。SalescontractReferstotheimportedmotorsalescontractwiththestipulationofpaymentsignedbytheseller(s)andthebuyer(s).Thetrialsalescontractandconsignmentcontractareexcluded.八、交付買方或代理人根據(jù)銷售合同規(guī)定的地點(diǎn)和條件可以接收貨物時(shí)，即視為已完成交付。DeliveryBuyer(s)oritsagentisabletoreceivethegoodsaccordingtothelocationandconditionsspecifiedinthesalescontract,whichshouldbedeemedasaccomplishmentofdelivery.九、關(guān)聯(lián)企業(yè)指任何（1）由被保險(xiǎn)人或賣方直接或間接控制的企業(yè)；（2）直接或間接控制被保險(xiǎn)人或賣方的企業(yè)；以及（3）與被保險(xiǎn)人或賣方受同一第三方直接或間接控制的企業(yè)；9.Affiliatedenterprise(s)Referstoanyofthefollowing:theenterprise(s)controlleddirectlyorindirectlybytheInsuredortheSeller(s);theenterprise(s)whichcontroltheInsuredorseller(s)directlyorindirectly;andTheenterprise(s)withtheInsuredorseller(s)controlleddirectlyorindirectlybythesamethirdparty;十、個(gè)人消費(fèi)者指非用于經(jīng)營(yíng)活動(dòng)而簽訂貿(mào)易貸款合同或銷售合同的自然人。10.PersonalconsumersReferstoanynaturalpersonsignedtradeloanscontractorsalescontractnotusedforthepurposeofoperation.十一、負(fù)面信息指任何被保險(xiǎn)人知道或應(yīng)當(dāng)知道的導(dǎo)致或可能導(dǎo)致買方財(cái)務(wù)狀況惡化的事件或資訊。NegativeinformationReferstoanyevent(s)orinformationthatcouldresultintheworseningofbuyer’sfinancialstatuswhichisknownorshouldbeknowntotheInsured.十二、通知被保險(xiǎn)人/保險(xiǎn)人在其行政地址收到的對(duì)方以信函、電報(bào)、傳真或經(jīng)雙方同意書面約定的其他電子方式提供的文件的告知。NoticeReferstothenotice/notificationofthedocumentwhichcounterpartysentinletter,telegraph,faxorotherelectronicformatagreedbybothpartiesinwrittenformtotheadministrativeaddressoftheInsured/Insurer.十三、喪失清償能力企業(yè)發(fā)生下列情形中任何一種時(shí)，則視為喪失清償能力：（一）由人民法院依法宣告破產(chǎn)。（二）法院判決對(duì)企業(yè)進(jìn)行強(qiáng)制執(zhí)行時(shí)，企業(yè)的資產(chǎn)不足以清償部分或全部債款。（三）根據(jù)人民法院的判決，企業(yè)為其所有