贸易信用保险合同“信用限额审批条款”效力问题研究

Study on the Validity of “Credit Limit Approval Clause” in Trade Credit Insurance Contract

信用限额是贸易信用保险的核心概念,但实践中对贸易信用保险合同"信用限额审批条款"的效力存在争议。本文对贸易信用保险和信用限额的概念、分类、功能、申请审批流程进行了概述,对国内外信用保险机构审批、调整信用限额的做法进行了考察,对信用限额审批、调整所内含的风险控制原理以及具体流程的现实合理性进行了分析。在此基础上,从贸易信用保险合同的缔约过程出发,对"信用限额审批条款"的效力进行了全面论述,供保险业界和法律从业者参考。

Credit Limit is the core.concept in Trade Credit Insurance,but validity of the Credit Limit Approval Clause in Trade Credit Insurance contracts is controversial in practice. This thesis first introduces the Trade Credit Insurance and the concept, classification, function, application and approval process of Credit Limits. With respect to approving and adjusting process of Credit Limits, this thesis makes a comparison between domestic and foreign Credit Insurance Agencies’ Policies.In addition, the principle of risk control involved in approving and adjusting Credit Limits and the rationality of specific process are analyzed. Based on all of the above, this thesis makes a comprehensive discussion on the Credit Limit Approval Clause in terms of conclusion process of Trade Credit Insurance contracts for reference of the professionals in insurance industry and legal practitioners.