irc asia services

IRC asia products

The Credit and Political Risk Insurance

信用保險和政治風險保險

Commercial Risks:
The credit and political risk insurance markets offer several types of products to meet the varying needs of companies. Whether for enhancing sales growth, cash flow or balance sheet management, or pure risk mitigation, IRC can help you identify the right insurance product. The primary types of insurance cover are:

• Credit Insurance, Export and Domestic: Export Credit Insurance protects against non-payment by debtors outside the country of the insured. Domestic Credit Insurance protests against non-payment by debtors inside the country of the insured. Insurers can write these types of cover either in distinct policies or on a combined basis;

• Key Account/Single Debtor: Key Account addresses issues of customer concentration or in those instances where the client is unable to offer whole portfolio. Key Account policies may either cover one or accommodate multiple debtors;

• Short and Medium Term Cover: A Special Risk Group (SRG) has been a long history in our Group. We closely work with our US and UK colleagues for exporters, importers and financial institutions to arrange coverage to protect against the risk of non-payment, arising from commercial and/or political risks, of short and/or medium term loans extended to foreign, usually private sectors, obligors.

商業信用風險

信用保險,基於投保人需求的不同,其效用側重亦有所不同。概而言之,它在幫助投保人拓展業務、增加現金流、規避應收賬款回收風險和改善業績報表等方面的作用已漸為人所熟知。兹介紹的系敝司主要的服務產品和服務內容,幾乎包含信用保險的主要種類。如有進一步查詢,請隨時聯繫我們:

• 出口/國內貿易信用保險:出口貿易信用保險承保出口廠家/生產企業所面臨的外國進口商/買家方面的信用風險。國內信用險承保國內買家拖欠或破產等由其自身原因導致的收款風險。對同時有內貿和外貿的跨國公司來說,保險公司可以統一於一張保單中承保。

• 為主要買家/單個買家投保:通常情況下,信用保險是不接受選擇性投保的。但在有些情況下,如被保險人業務量大,或區域性比較明顯,或季節性/偶爾需要對單一買家放賬時,我們可以根據不同情況,設法為其主要買家甚至單個買家辦理保險事宜。

• 短期或中長期項目信用險:本公司成立專門從事中長期項目信用險的團隊---特種風險小組(SRG)已有很長歷史。我們與美國和英國的專家同事們保持緊密聯繫,共同為我們的進出口商客戶、金融機構客戶安排保險方案,承保投保人海外買家因商業風險或政治風險所導致無法還款的風險,或者承保金融機構給予海外公司的短期或中長期貸款等。

Political Risks:

• Contract of Lenders Insurance: This type of medium-term insurance policy combines Confiscation, Expropriation and Nationalization (CEN), Currency Inconvertibility (CI), and Political Violence (PV) to protect the Insured against nonpayment of loans arising from these perils;

• CEN for Permanent Investments and Mobile Assets: Protects an Insured's investment against Confiscation by a foreign government;

• Contract Frustration for Private Buyers: Protects an Insured against transfer risk (the inability of a foreign private buyer to obtain foreign exchange to make payments to the Insured), as well as other specified political risks such as license cancellation and embargo. This covers non-payment of promissory notes and guarantees arising from political risks.

政治風險

• 對因相關國家的政府部門所頒布的政策、法令,或其他不穩定的社會因素,如動亂、民變、外匯管制等,導致進口商無法履行合同、失去付款能力,或藉此不履行合同等風險,保險公司亦可給予承保。

• 境外投資安全保障保險,本保險屬政治風險範疇,主要針對有海外投資的投保人,對被投資國政府一旦採取沒收、國有化、外匯管制、徵用或因騷亂等事件引起的海外投資資金回收,提供保險保障。

• 履約方為私營機構的毀約風險保障,本保險保障由於履約方國家實施外匯管制、禁運、履約方牌照被取消等政治風險導致履約方無法履約付款的風險。

Credit Report

• We have close relationship with domestic and overseas credit rating institutions, the client can enjoy favorable price on purchasing credit reports through IRC’s in-house contracts

信用報告

• 本公司提供信用報告服務,IRC與國內外主要資信評級機構建立有廣泛而緊密的協作關係。經過十多年的合作,我們對各家評級機構業務特點十分熟悉。

Collection Consultants Services

• IRC Asia provides collection consultants services. We have our partner provide professional and efficient collection services covering Greater China area, but also expanded our footprint into Asia, Africa and European area.

商賬追收管理諮詢

• 本公司亦提供商賬追收管理諮詢服務,經過多年的努力,我們的服務網絡不僅廣鋪在中國內地和港臺地區,目前服務範圍已擴張至亞洲、非洲及歐洲地區。

Asia Office Locations

Hong Kong

Unit 17, 15/F, Chevalier Commercial Centre
8 Wang Hoi Road, Kowloon Bay, Kowloon
Hong Kong
Phone: +(852) 2562 0922

Guangzhou

Room 1105, 11/F
313 Yan Jiang Zhong Road,
Guangzhou, Guangdong Province
P.R. China, 510110
Phone: +(86) 20-8381 8819

Tianjin

Room 502, Gate 1, Building 1B
JinBinJieZuo, No. 98 Huanghai Rd
TEDA Tianjin
P.R. China, 300457
Phone: +(86) 22-5986 8612

Shanghai

Room 907
3456 Pudong South Road
Shangha,i 200120, China
Phone: +(86) 21-6890 1977

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