国际结算教程解析.docx

保 险 单 保险单的种类 保险单（INSURANCE POLICY）俗称“大保单”，它是一种独立的保险凭证，一旦货物受到损失，承保人和被保人都要按照保险条款和投保险别来分清货损，处理索赔。 保险凭证（INSURANCE CERTIFICATE） 俗称“小保单”，是一种简单的保险凭证，它不印刷保险条款，只印刷承保责任界限，以保险公司的保险条款为准。这种保险凭证格式简单，但其作用与保险单完全相同。 联合保险凭证（COMBINED INSURANCE CERTIFICATE） 利用商业发票在上面加盖保险章，注明保险编号、险别、金额、装载船名、开船日期等，以此作为保险凭证。 预约保险单（OPEN POLICY） 一种长期的、总括性的保险合同。 保险单的抬头 1、卖方抬头 2、银行抬头（TO ORDER OF XXX BANK或IN FAVOUR OF XXXBANK）： “XXX出口公司+HELD TO ORDER OF XXXBANK（或IN FAVOUR OF XXXBANK）。 3、中性抬头：“TO WHOM IT MAY CONCERN” 4、空白抬头（TO ORDER） ： ???XXX COMPANY FOR THE ACCOUNT OF WHOM IT MAY CONCERN”。 信用证中有关保险单据条款 INSURANCE POLICIES OR CERTIFICATE IN TWO FOLD PAYABLE TO THE ORDER OF COMMERCIAL BANK OF LONDON LTD.COVERING MARINE INSTITUTE CARGO CLAUSES A (1.1.1982),INSTITUTE STRIKE CLAUSES CARGO(1.1.1982),INSTITUTE WAR CLAUSES CARGO (1.1.1982) FOR INVOICE value PLUS 10% INCLUDING WAREHOUSE TO WAREHOUSE UP TO THE FINAL DESTINATIN AT SWISSLAND ,MARKED PREMIUM PAID ,SHOWING CLAIMS IF ANY,PAYABLE INGERMANY,NAMING SETTLING AGENT IN GERMANY. INSURANCE POLICY/CERTIFICATE,ISSUED TO THE APPLICANT(AS INDICATED ABOVE),COVERING RISKS AS PER INSTITUTE CARGO CLAUSES(A),AND INSTITUTE WAR CLAUSES(CARGO) INCLUDING WAREHOUSE TO WAREHOUSE CLAUSE UP TO FINAL DESTINATION AT SCHOMDORF,FOR AT LEAST 110PCT OF CIF value,MARKED PREMIUM PAID SHOWING CLAIMS IF ANY PAYABLE IN GERMANY,SHOWING SETTLING AGENT IN GEERMANY. 信用证中有关保险单据条款 MARINE INSURANCE POLICY OF CERTIFICATE IN DUPLICATE,INDORSED IN BLANK,FOR FULL INVOICE value PLUS 10 PERCENT STATING CLAIM PAYABLE IN THAILAND COVERING FPA AS PER OCEAN MARINE CARGO CLAUSE OF THE PEOPLE’S INSURANCE COMPANY OF CHINA DATED 1/11981,INCLUDING T.P.N.D.LOSS AND /OR DAMAGE CAUSED BY HEAT,SHIP’S SWEAT AND ODOOUR,HOOP-RUST,BREAKAGE OF PACKING. INSURANCE PLOICIES OR CERTIFICATE IN DUPLICATE ENDORSED IN BLANK OF 110% OF INVOICE value COVERING ALL RISKS AND WAR RISKS AS PER CIC WITH CLAIMS PAYABLE AT SINGAPORE IN THE CURRENCY OF DRAFT(IRRESPECTIVE OF PERCENTAGE),INCLUDING 60 DAYS AFTER DISCHARGES OF THE