海外投资债权保险保费厘定思路分析.pdfVIP

Finance 金融, 2021, 11(1), 20-27 Published Online January 2021 in Hans. /journal/fin /10.12677/fin.2021.111003 海外投资债权保险保费厘定思路分析 吴佳保，吴坦宜，陈露曦 中国出口信用保险公司，北京 收稿日期：2020年12月25 日；录用日期：2021年1月18 日；发布日期：2021年1月26 日 摘 要 目前市场对海外投资债权保险产品存在多样化理解，本文采用定性分析与构建收费模型相结合的研究方 法，引述保险单计费规则，参照业务实践构建产品计费模型。得出以下结论：一是海外投资债权保险保 险单不因出险天然终止，保费支付人仍需足额缴纳各期保费；二是海外投资债权保险的保费厘定原理为， 保险人根据还款计划对每笔本金在保险存续期内按期计收保费，对每笔利息在计息当期计收保费。 关键词 海外投资债权保险，保费，保险责任期 A Thread’s Analysis on the Determination of the Overseas Investment Debt Insurance Premium Jiabao Wu, Tanyi Wu, Luxi Chen China Export Credit Insurance Corporation, Beijing th th th Received: Dec. 25 , 2020; accepted: Jan. 18 , 2021; published: Jan. 26 , 2021 Abstract At present, there are diversified understandings of Overseas Investment Debt Insurance. We in- troduce policy provisions and build the premiums calculation model with reference to Export Credit Insurance practice. The conclusions are drawn as follows. Firstly, even though the risk has appeared, the Overseas Investment Debt Insurance Policy shall not be naturally terminated, and the premiums’ payer still needs to pay the premiums in full. Secondly, the principle of determining 文章引用: 吴佳保, 吴坦宜, 陈露曦. 海外投资债权保险保费厘定思路分析[J]. 金融, 2021, 11(1): 20-27. DOI: 10.12677/fin.2021.111003 吴佳保 等 insurance premiums for Overseas Investment Debt Insurance is divided into two parts. For prin- cipal’s part, the Insured pay premiums according to the repayment schedule in every Period of Insurance. For interest’s part, the premiums’ payer needs to pay premiums according to the inter- est accrued thereon during the Period of Insur