贸易贷款信用保险条款

渤海财产保险有限公司进口汽车贸易贷款信用保险条款 Bohai Property Insurance Company

Imported Motor Trade Loans Credit Insurance Clause

总则 General Principles

第一条 本保险合同由保险条款、投保单、保险单、保险凭证以及批单组成。凡涉及本保险合同的约定，均应采用书面形式。

Article 1 This insurance contract is constituted of insurance clauses, proposal form, insurance policy ,insurance certificate and endorsement. All agreement related to this insurance contract shall in written format.

第二条 本保险合同中的部分名词具有特定含义，见本条款“释义”部分。

Article 2 Part words of this insurance contract has specific meaning, please refer to ”Definition” part.

第三条 自投保人提出保险申请、保险人同意承保，本保险合同成立。自本保险合 同成立、保险人收取保险费并签发保险单起本保险合同生效。

Article 3 This insurance contract will be established if the the insured applies and the Insurer agree to underwrite. This insurance contract become effective since this insurance contract come into force ,the Insurer collected premium and issued insurance policy.

保险对象 Insurance Object

第四条 本保险适用于承保贸易贷款合同。

Article 4 This Insurance apply to trade loans contract.

保险责任 Insurance Coverage

第五条 保险责任范围

对所有属于本保险合同承保范围且无争议的贷款合同项下的债款，在被保险人签订该合同之后，若借方未按照该合同的规定还款，由此给被保险人带来的债款及利息损失，保险人依照本保险合同的规定承担赔偿责任。

保险人的保险责任起始于被保险人按照贸易贷款合同放款之时。

本保险合同所承保的放款需满足如下条件：

（一）放款须用于：按照保险单中列明的销售合同的规定，就卖方交付的进口汽车，为买方支付对应价款；

（二）放款需在保险单规定的放款期内发生，相应款项需在本保险合同保险期间内拨付。

Article 5 Insurance Coverage

For the debts falling into the scope of this insurance contract‟s coverage, and the insurance contract is not contradictory. After the Insured signing this insurance contract, if the borrower fails to repay the loans according to this insurance contract, which brought debt and interests loss to the Insured, the Insurer shall indemnify the Insured as agreed in this insurance contract.

The Insurer‟s insurance coverage begins from the Insured‟s granting loans according to the Trade Loans Contract.

Loans granting insured by this insurance contract shall meet the following conditions:

(1) Loans granting shall apply to: according to the stipulations of sales contract listed in the insurance policy, corresponding money paid for the buyers for the imported motors which the sellers delivered;

(2) Loans granting shall occur in the loans granting period stipulated by the insurance policy, and the corresponding money shall be appropriated in the insurance period.

责任免除 Exclusions

第六条 下列合同导致被保险人损失的，保险人不负赔偿责任：

（一） 被保险人与其关联企业或个人消费者签订的贷款合同；或

（二） 被保险人为卖方与卖方关联企业间，卖方与个人消费者间签订的销售合同提供融资而签订的贷款合同。

Article 6 The insurer is not liable for any loss, expense and liability caused by or arising from:

(1) Loans contract signed between the Insured and its affiliated enterprises or personal consumers; or

(2) Loans contract which the Insured signed for financing of the sales contract signed between the sellers and the sellers’ affiliated enterprises, between the sellers and personal consumers.

第七条 保险人对被保险人的下列损失也不负赔偿责任：

（一） 超过信用额度的损失。

（二）被保险人未遵守与信用额度相关的附属规定所导致的损失。

（三）在保险人拒绝或取消买方的信用额度后，被保险人依然放款所产生的债款遭受的损失。

（四）因在下列情况下签订贸易贷款合同或在下列情况下放款所导致的损失:

1．被保险人已经或应该向保险人发出有关买方负面信息或未还款通知（在该买方尚未清偿债款的情况下）的；

2．被保险人在签订贸易贷款合同前知道或应当知道买方已丧失清偿能力的。

Article 7 The Insurer is not liable for any loss, expense and liability caused by or arising from:

(1) The loss which is over the Credit Limit;

(2) The loss caused by the Insured’s failure to obey the affiliated stipulations of the Credit Limit;

(3) The loss caused by the debt resulted from the Insured’s still granting loans after the Insured declined or canceled the Credit Limit of the buyers;

(4) The loss caused by the following or signing the contract in the following conditions:

A. The Insured has already or should have already issued the No Repayment Notice or the Buyer’s negative information to the Insurer (in the condition of the buyer’s not repaying all the debts);

B.The Insured has already or should have already known the Buyer’s insolvency before signing the trade credit contract;

（五）因贸易贷款合同或为销售合同融资所做放款与保险单中规定的条件不符而导致的损失。

（六）因被保险人未遵守贸易贷款合同项下任何条款所导致的损失。

（七）违反贸易贷款合同条款放款、或所签订的贸易贷款合同违反相关法律法规所导致的损失。

(5) The loss caused by the trade credit contract or because the loans granted for the sales contract financing is not complied with the stipulation of the insurance policy;

(6) The loss caused by the Insured’s failure to obey any terms of the trade credit contract;

(7) The loss caused by breaking loans granting terms of trade credit contract or the signed trade credit contract is not complied with relevant laws or regulations;

（八）直接或间接由下列原因导致的损失：

1．任何原因导致的核爆炸或核污染；

2．战争、类似战争行为、敌对行为、武装冲突、军事行动、恐怖活动、谋反、政变、罢工、暴动、民众骚乱；

(8) The loss directly or indirectly caused by the following reasons:

A. Nuclear explosions or nuclear contamination caused by any reasons;

B. Wars, warlike act, rebellion, military action, armed conflicts, terrorism, strike, riot, civil commotion;

（九）因逾期所产生的利息、违约金或其他惩罚性赔偿所导致的损失。

(9) The loss caused by the overdue interests, penalty or other punishment indemnity.

第八条 保险人对下述原因所致被保险人的损失也不承担赔偿责任：

（一）被保险人与各级政府部门所签订的贸易贷款合同；

（二）由于各级政府部门所采取的决定，导致贸易贷款合同无法履行或债款无法偿还。

Article 8 The Insured is not liable for any loss, expense caused by or arising from the following:

(1) Trade credit contract signed between the Insured and governmental institutions of all levels;

(2) Failure to perform the trade credit contract or failure to repay the debt caused by the decisions made by governmental departments of all levels.

保险期间 Insurance Period

第九条 本保险合同的保险期间以保险单载明为准，最长不超过一年。

Article 9 The insurance period is no longer than one year, with inception and expiry date specified in the policy.

赔偿限额 Limit of Indemnity

第十条 在每一保险期间内，保险人对本保险合同项下债款的赔款总额累计不得超过保险单中载明的最高赔偿限额。

Article 10 Within each insurance period, the Insurer‟s aggregate indemnity limit under this insurance contract shall subject to the top indemnity limit specified in the policy.

保险人义务 Obligations of Insurer

第十一条 本保险合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。

Article 11 The insurer shall issue insurance policy or other insurance certificate after the establishment of this contract.

第十二条 保险人依本保险条款第十六条取得的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。

Article 12 The right to void the contract which obtained according to Article 16 shall be only valid for 30 days since the day the Insurer become the reasons for void.

第十三条 保险人在保险合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿责任。

Article 13 If the Insurer become aware of the the insured failure of fulfilling his duty at the time of contract establishment, the Insurer has no right to cancel the Policy, and the Insurer shall be liable for the obligation of indemnity when any loss occurs.

第十三条 保险事故发生后，保险人按照第二十二条的约定，认为投保人、被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保人、被保险人补充提供。

Article 13 After the accident occurs, the Insurer shall inform the Insured in one-time manner to supplement if the claims proofs and relevant documents provided by the the insured are incomplete according to Article 13.

第十四条 保险人收到被保险人的赔偿请求后，应当及时就是否属于保险责任作出核定，并将核定结果通知被保险人。情形复杂的，保险人在收到被保险人的赔偿请求后三十日内未能核定保险责任的，保险人与被保险人根据实际情形商议合理期间，保险人在商定的期间内作出核定结果并通知被保险人。对属于保险责任的，在与被保险人达成有关赔偿金额的协议后十日内，履行赔偿义务。

保险人依照前款的规定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书，并说明理由。

Article 14 After receiving the Insured‟s claim application, the Insurer shall make claim decision in a timely manner and inform the Insured of the claim decision timely. For any complex situation, if the Insurer fails to decide the claim liability within 30 days after receipt of the Insured‟s claim application, the Insurer and the the insured shall negotiate an reasonable time period for claim assessment, and the Insurer shall make the final claim decision within such period and inform the the insured. For which falls into the Insurer‟s insurance liability, the Insurer shall fulfill obligation of indemnity within 30 days after the indemnity agreement establishment.

The Insurer shall make claim decision in accordance with the provisions of the preceding paragraph for those claim not fall under insurance liabilities, the Insurer shall send the Insured within 3 days from the date of such decision the Claim Refusal Notice together with reasons of such Refusal.

第十五条 保险人自收到赔偿保险金的请求和有关证明、资料之日起六十日内，对其赔偿保险金的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定赔偿的数额后，应当支付相应的差额。

Article 15 If the amount of indemnity cannot be established within 60 days from the first day receiving the claim application along with the supporting information, the amount which could be determined based on available evidence and information should be paid first; once the Insurer determines the final claims amount, the balance shall be promptly paid.

投保人、被保险人义务

Obligations of the policyholder and the Insured

第十六条 投保人应履行如实告知义务，如实回答保险人就有关情况提出的询问，并如实填写投保单。

投保人故意或者因重大过失未履行前款规定的如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除合同。

投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担赔偿责任，并不退还保险费。

投保人因重大过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担赔偿责任，但应当退还保险费。

Article 16 The policyholder shall fulfill the duty of disclosure by answering truly the questions raised by the Insurer, and fill in the proposal form in honest.

The Insurer has the right to void the Contract if the Policyholder deliberately or by gross negligence fails to fulfill the above obligation which may affect the Insurer‟s decision of whether or not to underwrite the business or increase the premium rate.

If the policyholder deliberately fails to fulfill the above-mentioned duty, the Insurer will not be liable for any loss incurred before the cancellation of the contract, and the premium paid by the policyholder is not refundable.

If the policyholder fails to fulfill the above-mentioned duty by gross negligence which have severe impact to the insured loss, the Insurer will not be liable for any loss incurred before the cancellation of the contract, but the premium paid by the policyholder shall be refunded.

第十七条 如果投保人在投保单中所填写的内容，特别是投保人和被保险人企业经营性质、经营范围或法律属性等内容发生变化导致危险程度显著增加的，投保人应于变化发生后的10日内通知保险人。如果被保险人丧失清偿能力或停止经营业务，保险人享有从相关事件发生之日起解除本保险合同的权利。

Article 17 The policyholder shall inform the Insured within 10 days after the facts especially the business nature, business scope or legal status which the policyholder filled in the proposal form changes to an extent that the risk exposure has an obvious increase. If the Insured become insolvent or close business, the Insurer has the right to void this Contract since the day the above-mentioned situation occurs.

第十八条 投保人、被保险人应按保险人要求提供进口汽车贸易贷款合同、被保险人放款有关的文件、放款所需单证及经核证的副本，并允许保险人进行调查，包括核实被保险人是否已履行合同义务，是否向保险人全面、准确、真实地进行了申报。

Article 18 The policyholder and the Insured shall provide imported motor trade credit contract, the Insured‟s loans granting related documents, loans required documents and verified copies as the Insurer‟s requirement, and shall allow the Insurer to investigate, including whether the Insured had fulfilled the obligation of this Contract, and whether the Insured had reported to the Insurer fully, correctly and truly.

第十九条 被保险人应履行如下义务：

（一）被保险人在签订汽车贸易贷款合同前应谨慎地评估买方风险。被保险人必须如同未获得本保险合同时一样合理、勤勉、认真地管理放款事宜。

（二）被保险人在为买方申请信用额度时，应告知保险人任何能够用以评估风险的相关信息，同时被保险人应确保买方已向其提供了所有与此相关的信息。

（三）被保险人应采取所有必要、合理的措施，以保全其可向买方或第三方主张或行使的权利。

（四）非经保险人书面同意，被保险人须自行承担本保险合同未承保的风险。 Article 19 The Insured shall fulfill the following obligations:

(1) The Insured shall assess the buyer‟s risk prudentially before signing the motor trade credit contract. The Insured shall manage the loans granting matter reasonably, diligently and seriously like without this insurance contract.

(2) When applying line of credit for buyers, the Insured shall inform the Insurer any relevant information which could be used for risk assessment. At the same time, the Insured shall make sure that the Buyer had already provided the above-mentioned information.

(3) The Insured shall take all necessary and reasonable measures to secure the right the Insured can exercise from the buyer or the third parties.

(4) The Insured shall undertake the risks which are not covered by this insurance contract unless agreed by the Insurer in written form.

第二十条 被保险人对于每次放款授予买方的偿还期限不得超过最长信用期限。未经保险人同意，被保险人不得向买方延展还款日。

Article 20 The repayment period which the Insured grant to the buyer shall not be more than the longest credit period for each loans granting. The Insured shall not extend repayment day for the buyer unless the Insured agreed.

第二十一条 投保人、被保险人知悉下述情况后，应立即以书面形式通知保险人：

（一）有关买方的任何负面信息。

（二）买方丧失清偿能力。

（三）在未还款申报期限届满时，买方仍未还款。

（四）在向保险人发出未还款通知后，被保险人收到任何还款的。

Article 21 The policyholder and the Insured shall inform the Insurer in written form immediately if the following situation is known:

(1) Any negative information about the buyers;

(2) Buyer‟s insolvency;

(3) The Buyer „s not repaying the money when the Non-repayment filing period expired;

(4) The Insured received any repayment after issuing Non-repayment Notice to the Insurer.

第二十二条 出现未还款时，被保险人必须采取所有必要的措施以避免或减少损失。被保险人必须勤勉、及时地行使其所享有的权利以保护被保险人或保险人收回债款的权利。如果债款是以汇票或本票为凭证的，被保险人应当采取所有措施行使该票据权利，并对拒绝承兑和/或拒绝支付的票据款项行使追索权。

Article 22 The Insured shall take all necessary measures to avoid or decrease loss if non-repayment occurred. The Insured must exercise all rights he enjoyed to protect the Insured or the Insurer‟s right to collect all debts. If the debts is certified by bill of exchange or promissory note, the Insurer shall take all necessary measures to exercise the rights belonging to the bill of exchange or promissory note, and shall exercise the right of recourse for the bills which is turned down to be accepted or to be paid.

赔偿处理 Claims

第二十三条 被保险人向保险人索赔时，需提供有关债款及放款的书面证据、已获得担保的书面证据、有关买方丧失清偿能力的书面证据（如买方丧失清偿能力）以及放款被用于本保险合同所承保的销售合同项下的付款的书面证据（销售合同复印件，交付证明，发票复印件等）。

Article 23 When the Insured claimed for the Insurer, the Insured shall provide written proof related with the debts and loans granting, written proof of the obtained warranty, written proof of the buyer‟s becoming insolvent (if the buyer become insolvent) and the written proof which the credit granting is used for the payment of the sales contract covered by this insurance contract (copies of sales contract, delivery certification, copies of invoice).

贸易贷款合同中如规定有买方违约情况下被保险人可要求提前偿还债款的条款，该条款不得用于向保险人索赔。经保险人事先同意，保险人也可对该提前偿还的债款进行赔偿，但在计算债款净额时，尚未实际发生的合同利息将从被保险人所受损失中扣除。

If there is any terms stipulated that the Insured can ask the buyer to repay in advance in case of the buyer‟s default in the trade credit contract, then the Insured shall not claim for the Insurer for this term. The Insurer could also indemnify the debts which should be repaid in advance if agreed by the Insurer before, however, the non-occurred contract interests shall be deducted from the loss the Insured incurred when calculating the net amount of the debt.

第二十四条 如果买方丧失清偿能力, 保险人在收到有关丧失清偿能力的书面证据、有关债款及贸易贷款合同的所有文件，并与被保险人达成有关赔偿金额的协议后10日内，履行赔偿义务。

Article 24 If the buyer become insolvent, the Insurer shall fulfill the indemnity liability within 10 days after the Insurer received the written proof of the buyer‟s becoming insolvent and all documents related with debt and trade credit contract, and reached an indemnity agreement with the Insured.

第二十五条 由于买方丧失清偿能力以外的其他原因导致买方不付款的，保险人将会在收到被保险人提交的《未还款通知并要求保险人介入申请书》之日起三个月的等待期届满时确定赔偿金额。被保险人已经向保险人提交所有相关债款及贸易贷款合同书面证据的，保险人将在该等待期届满后10日内支付相关赔款。

Article 25 If the Buyer‟s non payment is caused by the reasons out of the Buyer‟s becoming insolvent, then the Insurer shall decide the indemnity amount after 3 months‟ waiting period expired after the day receiving the submitted by the Insured. If the Insured has already submitted all written proofs about the debts and trade credit

contract to the Insurer, the Insurer shall pay relevant indemnity amount within 10 days after the waiting period expired.

第二十六条 保险人以债款净额乘以承保比例计算赔款；但如果债款净额超过信用额度，则以该信用额度乘以承保比例计算赔款。

Article 26 The Insurer calculate the indemnity amount in a formula that the net amount of the debt multiply the covered percentage, but if the net amount of the debt is over the credit limit, then the indemnity amount shall be calculated as the credit limit multiply the covered percentage.

第二十七条 追偿额按以下规定进行处理：

（一）被保险人通知保险人发生未还款后收到任何追偿额的，必须立即通知保险人。

（二）赔款给付前收回的追偿额，将从未偿还的债款中减除，并用于结清偿付日期最早的应偿付款项。

（三）赔款给付后收回的追偿额，在已支付赔款金额范围内的款项归保险人所有。如果收回的追偿额总额超出债款，超出部分在扣除追偿费用后退还被保险人。

Article 27 Recovery amount shall be processed as the following terms:

(1) The Insured shall inform the Insurer immediately once any recovery amount is received after the Insured inform the Insurer of Non repayment.

(2) The recovery amount collected before the indemnity amount is paid shall be deducted from the unpaid debts, and shall be used for the earliest due payments.

(3) The recovery amount collected after the indemnity amount is paid shall be owned by the Insurer. If the total recovery amount collected is over the debts, then the over part after the recovery cost deducted shall be refunded to the Insured.

第二十八条 赔款支付后，在赔偿金额范围内，保险人对被保险人所拥有的、与被保险人债款相关的本金、利息及抵押物的权利拥有代位求偿权。被保险人应为保险人获得和有效行使代位求偿权提供必要的文件及协助，并应向保险人转移或转让有关权利或物品。

保险人获得代位求偿权后，并不因此免除被保险人依法追偿债款及依照保险人指示处理该债款相关事宜的义务。

Article 28 After the indemnity amount is paid, the Insurer has subrogation right to the principal, its interests and mortgage right related with the Insured‟s debts which the Insured enjoyed within the scope of indemnity amount. The Insured shall provide

necessary documents and assistance for the convenience of the Insurer‟s obtaining and exercising subrogation right, and shall transfer or assign relevant rights or goods for the Insurer.

The Insured‟s debt recovery right and the obligation of dealing with debts and debts related matter as instructed by the Insurer shall not be exempted after the Insurer obtained the subrogation right.

第二十九条 当被保险人与买方发生债款争议时，保险人停止支付任何相关的赔款，直至争议由仲裁机构或人民法院做出买方应向被保险人承担赔偿责任的裁定或终审判决，且该裁定或判决具有可执行性。

Article 29 When the Insured has controversy with the Buyers for the debt, the Insurer shall stop paying indemnity amount until Arbitration Institution or People‟s Court made the ruling or final judgment that the Buyer shall indemnify to the Insured, and the ruling or judgment is enforceable.

第三十条 保险人支付赔款后，经确认损失不属于本保险合同承保范围的，或买方丧失清偿能力而该笔债款最终未被列入破产债权范围或未得到法律认可的，保险人有权要求被保险人返还赔款。

Article 30 After the Insurer paid the indemnity amount, and the loss is confirmed not covered by this insurance contract later, or the Buyer become insolvent and the debts does not fall into the scope of bankruptcy debt or is not acknowledged legally The Insurer has right to ask the Insured to refund the indemnity.

第三十一条 被保险人将承担本保险合同项下应由其支付的款项，并且即使保险人同意向被保险人支付赔款，被保险人应支付的款项也不可与其认为保险人应当向其支付的任何款项相抵销。

Article 31 The Insured shall undertake the amount which should be undertaken by the Insured under this insurance contract,and even the Insurer agree to pay for the Insured, the amount which should be undertaken by the Insured shall not be offset with any amount which are deemed to be paid by the Insurer in the Insured‟s opinion.

第三十二条 由于被保险人未能履行本保险合同规定义务导致保险人不承担赔偿责任的，如果保险人已支付该相关债款的赔款，被保险人应返还保险人已支付的赔款。

Article 32 If the Insurer shall not undertake the indemnity liability caused by the Insured‟s failure to fulfill the obligation under this insurance contract, and if the Insurer has already paid relevant indemnity amount, then the Insured shall refund the Insurer‟s paid amount.

争 议 处 理 Disputes

第三十三条 因履行本保险合同发生的争议，由当事人协商解决。协商不成的，依法提请有管辖权的人民法院诉讼解决。

Article 33 Should any dispute arises in the course of execution, the parties shall settle the dispute through negotiation. If no agreement is reached through negotiation, such dispute shall be presented to to a people's court of the People's Republic of China.

第三十四条 本保险合同的争议处理适用中华人民共和国法律。

Article 33 Any dispute related to the execution of this insurance contract shall be governed by the laws of the People's Republic of China.

其 他 事 项 Other Conditions

第三十五条 保险合同的履行

（一）如果投保人未及时支付全部或部分保费，在保险人书面催缴保费通知送达后15日内仍未全额缴清应付保费的，本保险合同效力中止。经投保人申请并经保险人同意，在投保人缴清全部保费及逾期利息、费用后，本保险合同可以复效，但保险人也享有拒绝复效申请、解除本保险合同的权利。

（二）由于本条第（一）项原因导致本保险合同被解除或中止的，投保人必须立即支付本保险合同解除或中止前的所有应付保费。若存在未满期保险费，则保险人按照以下方式计算应退给投保人的未满期保险费：

Article 35 Fulfillment of the insurance contract

(1) This insurance contract will terminate if the policyholder fails to pay all or part of the premium in a timely manner, and still not paying all the premium payable within 15 days after the written Notice of premium payment is delivered. This insurance contract could reinstate if the policyholder apply and the Insured agreed with the application, and the policyholder had paid up all the premium and overdue interests and expense. However, the Insurer also has the right to refuse the reinstatement application and void this insurance contract.

(2) If the insurance contract is terminated or canceled because of the above term(1), the policyholder shall pay all premium payable before the termination or cancellation of this insurance contract immediately. If there is unearned premium, then the Insurer shall calculate the unearned premium in the following formula: 未满期保险费＝保险费×退保系数

Unearned premium= premium× cancellation coefficient

其中退保系数按照保险单已生效月份数占保险期间月份数的比例确定，确定方式见下

表，保险单已生效期间不足一个月的按一个月计算。

The cancellation coefficient shall be determined as the effective months to the months of insurance period, please refer to the details in the table below, and 1 months shall be used f the effective month is less than 1 month.

名词解释 Definitions

一、债款

指在本保险合同保险单列明的承保范围内，根据贸易贷款合同，买方应支付的所有未付清欠款及利息。

1. Debt(s)

Refers to all unpaid debt(s) and the interest payable by the buyer according to the trade loans contract, and in the coverage of the Policy of this insurance contract.

二、贸易贷款合同

指被保险人与借方签订的合同，该合同的目的是为了对销售合同项下卖方所做交付进行付款。

2. Trade loans contract

Refers to the contract signed by the Insured and the borrower, and the purpose of this contract is to pay for the seller‟s delivery under the sales contract.

三、买方

指保险单列明的销售合同中承担付款义务的企业。

3. Buyer(s)

Refers to the enterprise(s) which undertake the obligation of payment in the sales contract listed in the Policy.

四、卖方

指保险单列明的销售合同中承担交付货物义务的企业。

4. Seller(s)

Refers to the enterprise(s) which undertake the obligation of goods delivery in the sales contract listed in the Policy.

五、借方

指与被保险人签订进口汽车贸易贷款合同的企业，可以是销售合同中的卖方，也可以是销售合同中的买方或为买方进行融资的机构。

5. Borrower(s)

Refers to the enterprise(s) which signed the imported motor trade loans contract, which could be the seller(s) of the sales contract, and could also be the buyer(s) of the sales contract or the financing institutions for buyer(s).

六、放款

指在本保险合同保险单列明的承保范围内，根据进口汽车贸易贷款合同，被保险人向卖方支付的所有款项。

6. Loans granting

Refers to all amounts the Insured paid to the seller(s) according to the imported motor trade loans contract in the coverage of the Policy of this insurance contract.

七、销售合同

指由卖方和买方签订的、有付款规定的销售进口汽车的合同。试用销售合同和寄售合同除外。

7. Sales contract

Refers to the imported motor sales contract with the stipulation of payment signed by the seller(s) and the buyer(s). The trial sales contract and consignment contract are excluded.

八、交付

买方或代理人根据销售合同规定的地点和条件可以接收货物时，即视为已完成交付。

8. Delivery

Buyer(s) or its agent is able to receive the goods according to the location and conditions specified in the sales contract, which should be deemed as accomplishment of delivery.

九、关联企业

指任何

（1） 由被保险人或卖方直接或间接控制的企业；

（2）直接或间接控制被保险人或卖方的企业；以及

（3）与被保险人或卖方受同一第三方直接或间接控制的企业；

9. Affiliated enterprise(s)

Refers to any of the following:

(1) the enterprise(s) controlled directly or indirectly by the Insured or the Seller(s);

(2) the enterprise(s) which control the Insured or seller(s) directly or indirectly; and

(3) The enterprise(s) with the Insured or seller(s) controlled directly or indirectly by the same third party;

十、个人消费者

指非用于经营活动而签订贸易贷款合同或销售合同的自然人。

10. Personal consumers

Refers to any natural person signed trade loans contract or sales contract not used for the purpose of operation.

十一、负面信息

指任何被保险人知道或应当知道的导致或可能导致买方财务状况恶化的事件或资讯。

11. Negative information

Refers to any event(s) or information that could result in the worsening of buyer‟s financial status which is known or should be known to the Insured.

十二、通知

被保险人/保险人在其行政地址收到的对方以信函、电报、传真或经双方同意书面约定的其他电子方式提供的文件的告知。

12. Notice

Refers to the notice/notification of the document which counter party sent in letter, telegraph, fax or other electronic format agreed by both parties in written form to the administrative address of the Insured/Insurer.

十三、丧失清偿能力

企业发生下列情形中任何一种时，则视为丧失清偿能力：

（一）由人民法院依法宣告破产。

（二）法院判决对企业进行强制执行时，企业的资产不足以清偿部分或全部债款。

（三）根据人民法院的判决，企业为其所有债权人的利益，与债权人达成转让、和解或其他协议。

（四）应企业债券持有人或其他债权人的申请，指定了财产管理人。

13. Insolvency

Refers to any of the following situation:

(1) Bankruptcy declared by People‟s of Court;

(2) The assets of the enterprises are not enough to pay part or all of the debt(s) in case of the forcible execution by People‟s of Court;

(3) According to the judgment of People‟s Court, the compromise agreement, transfer agreement or other agreement reached by the enterprises with the Creditor(s )for the interest of the enterprise‟s all creditor(s).

(4) Assignment of assets manager as the application of the bond holder of the enterprise or other creditors.

十四、还款日

指进口汽车贸易贷款合同中所规定的买方偿还债款之日。

14. Repayment Date

Refers to the buyer(s)‟s repayment date specified in the imported motor trade loans contract.

十五、未还款

指买方未能按进口汽车贸易贷款合同指定的时间偿还债款。

15. Non-repayment

Refers to that the seller(s)‟s failure to repay the debt(s) as the agreed time in imported motor trade loans contract.

十六、债款净额

债款净额按以下方法计算：本保险合同承保范围内与放款有关的债款总额（包括利息，但不包括延迟还款情况下所产生的罚息、给被保险人带来的损失以及被保险人在此情况下需支付的费用或开销）扣除被保险人或保险人追偿所得的款项。

16. Net amount of debt(s)

The net amount of debt(s) shall be calculated as the following way: the amount that the total debt(s) amount (including interests, but the penalty interests of deferred repayment,the loss brought to the Insured and the expense/cost need to spend in this case are excluded) related to the loans granting covered by this insurance contract deduct the recovery amount obtained by the Insured or the Insurer.

十七、争议

指任何因债款数额、被保险人权利等事项所产生的意见分歧，包括被保险人与买方之间欠债的抵销权导致的争议、卖方与买方之间关系引发的争议以及与被保险人与卖方之间关系引发的争议等。

17. Controversy

Refers to the disagreement about the debt(s) amount, the right of the Insured and other related matter, including the controversy resulted from the debt(s) offset between the Insured and the buyer(s), the controversy of the relation between the seller(s) and the buyer(s), and the controversy of the relation between the Insured and the seller(s) etc.

十八、担保

指为确保买方依约履行债务而由买方或第三者与被保险人签订的抵押、质押、保证、留置、定金等从属合同。

18. Warranty

Refers to the mortgage, pledge, guarantee, lien, deposit and other affiliated contracts signed between the sellers or third parties and the Insured to make sure the seller(s) fulfill the obligation of payment.

十九、追偿额

指无论于赔款给付前后，由被保险人或保险人从买方或第三方所取得的下列款项：

（一）保险人或被保险人收到的任何还款

（二）由于延迟还款所产生的利息；

（三）因执行担保或向担保人追偿所得的金额；

（四）任何通过抵消所获得的对价。

19. Recovery Amount

Refers to the following amount the Insured or the Insurer obtained from the buyer or third parties no matter before or after the indemnity amount is paid:

(1) Any repayment obtained by the Insurer or the Insured;

(2) Interest resulted from deferred repayment‟

(3) Sum obtained by exercising warranty or recovered from the warrantor;

(4) Any consideration acquired by offset.