ࡱ> {<bjbjzz ;HQVV8$ ,ELbFBEDEDEDEDEDEDE$G[JhEQhE4EBBBBEBBEBBRM9t<y;;.EE0E;#K8#K<t<t<#K>?BhEhE|E#KV v: OSIGURANJE IZRAVNIH ISPORUKA ROBA I USLUGA/KREDITA DOBAVLJA A Osiguravaju se izvozni poslovi na kredit du~i od jedne godine. Osiguranje se primjenjuje za poticanje izvoza hrvatskih roba i usluga u slu ajevima kada inozemni kupac zahtijeva odgodu plaanja, odnosno kredit kao temeljni uvjet sklapanja posla, ato je obi no slu aj kod izvoza kapitalnih dobara, opreme vee vrijednosti, graevinskih radova i sli no. Korisnici osiguranja Hrvatska trgova ka druatva koja izvoze hrvatske robe i usluge Predmet osiguranja Nov ana potra~ivanja nastala izvozom hrvatskih roba i usluga temeljem izvoznog ugovora zaklju enog sa inozemnim kupcem. Osiguranik je izvoznik koji mo~e asignacijom policu prenijeti na poslovnu banku koja financijski prati izvozni posao.  INCLUDEPICTURE "http://www.hbor.hr/lgs.axd?t=16&id=608" \* MERGEFORMATINET  Izvoznik zaklju uje ugovor o osiguranju s HBOR-om i plaa premiju osiguranja, Izvoznik isporu uje kupcu robu ili obavlja usluge, Izvoznikova bankaodobrava izvozniku kredit, a polica osiguranja se koristi kao instrument osiguranja, Strani kupac plaa robu, ime se zatvara obvezapo kreditu kod banke, Ako strani kupac ne plati robu, HBOR isplaujeizvozniku / banci odatetu. Osigurani rizici Komercijalni rizici: Produ~eno neplaanje od strane inozemnog kupca, Insolventnost, ste aj i ovrha nad imovinom inozemnog kupca. Nemogunost izvraenja izvoznog ugovora na strani osiguranika ili osiguranikovih zastupnika, nastala uslijed injenica za koje osiguranik ne odgovara i koje su nastale u inozemstvu. Ova definicija uklju uje atetu nastalu tijekom proizvodnje, pri emu je inozemni kupac subjekt privatnog prava Politi ki rizici: Rat ili ratu sli ni dogaaji, Pobuna ili revolucija, Moratorij na plaanja ili sli ne vladine mjere koje spre avaju slobodno plaanje. Nemogunost izvraenja obveze iz izvoznog ugovora uslijed drugih politi kih dogaaja. Ova definicija uklju uje atetu nastalu tijekom proizvodnje, kao i nemogunost izvraenja od strane osiguranika ili osiguranikovog zastupnika iz razloga za koje osiguranik ne odgovara i koji su se dogodili u inozemstvu, pri emu je inozemni kupac subjekt javnog prava. Osigurana svota i postotak pokria Osigurana svota je osigurani iznos potra~ivanja prema inozemnom kupcu. Uobi ajeno pokrie je izmeu 80% i 90% vrijednosti posla, a pokrie ovisi prvenstveno oriziku dr~ave kupca. Premija osiguranja Premijska stopa je cijena preuzetog rizika. Premija osiguranja u pravilu se plaa unaprijed prilikom zaklju enja Ugovora o osiguranju. Premijska stopa ovisi o riziku dr~ave izvoza, bonitetu i statusuinozemnog kupca, dodatnim instrumentima osiguranja, trajanju rizika i visini pokria. Odateta ~@ j Nfο{wldlRD9h\Vehu3=CJaJh\Vehu3=5CJ\aJ#h-hu3=5B*CJ\aJphhrCJaJh\Vehu3=CJaJhu3=!hu3=5B* OJQJ\^Jph*jhu3=5B* OJQJU\^Jph#h?<hu3=5B*CJ\aJphh?<hu3=CJaJhu3=hu3=B*CJaJphfffhWchu3=B*CJaJph#hWchu3=5B*CJ\aJphh]_h]_h?P95B*ph@ j (`4 $ & Fa$gd\Ve$ & F dd[$\$a$gd\Ve$a$gd\Ve dd@&[$\$gdu3=$a$gdctgdu3=$a$gdu3=$a$gdw\28>''))~,-8.. $ & F a$gd$a$gd dd@&[$\$gdu3= $ & Fa$gdgdu3= $ & Fa$gd\Ve8&>''\(^(h,j,8.j.. />/@/X/Z//z1|1~111~999׸װץ{l{d\hRCJaJhu3=CJaJh-5B* CJ\aJphh5B* CJ\aJphh\Vehu3=CJaJh1CJaJhWbhCJaJh\Vehu3=CJaJhM CJaJh\VehpCJaJU#h-hu3=5B*CJ\aJphh\Vehu3=CJaJh\Vehu3=5CJ\aJhu3=5B*CJ\aJphfff Osiguranik Ima pravo na podnoaenje Odatetnog zahtjeva nakon isteka roka nazna enog u polici osiguranja (u pravilu 6 mjeseci od datuma dospijea potra~ivanja). Meunarodna pravila o osiguranju i financiranju izvoza Kod poslova s rokovimanaplate du~im od 2 godine obavezno je pridr~avanje pravila OECD-a (Arrangement on Offically Supported Export Credits)od kojih su najva~nije sljedee odredbe: Postojanje gotovinskog plaanja (avans + meuplaanja) od minimalno 15% (kod brodova minimalno 20%). Najdu~i dopuateni rokovi otplate definirani su prema zemljama izvoza i to na na in da za zemlje I. kategorije* najdu~i rok otplate mo~e biti 5 godina; za zemlje II. kategorije** rok otplate mo~e biti do 10 godina, a iznimkaje financiranje izgradnje obnovljivih izvora energije, kada se rok otplate pomi e na maksimalnih 18 godina. Otplata glavnice u pravilu se odvija u jednakim polugodianjim obrocima, a prvi obrok dospijeva na naplatu aest mjeseci od datuma po etka otplate kredita. Po etak otplate kredita  razlikuje se prema vrsti roba i usluga. * zemlje I. kategorije  bogate OECD zemlje, temeljem definicije Svjetske banke ** zemlje II. Kategorije  zemlje koje nisu zemlje I. kategorije `tete tijekom proizvodnje Kod izvoza roba koje se proizvode isklju ivo po specijalnoj narud~bi, mogue je osigurati i atete tijekom proizvodnje. Odatetni zahtjev u slu aju nastanka atete razmatra se u visini stvarnih troakova nastalih u procesu proizvodnje odreene robe. Proceduraugovaranja osiguranja Po saznanju o meunarodnom natje aju ili ve zapo etim pregovorima o izvoznom poslu upoznati HBOR o projektu i zatra~iti na elnu spremnost za osiguranje izvoznog posla ili izdavanje Pisma namjere za osiguranje. Nakon ato se zaklju i Izvozni ugovor, koji mora biti u skladu s Meunarodnim pravilima o osiguranju i financiranju izvoza (Pravila Bernske Unije i OECD-a) podnosi se Zahtjev za osiguranje izravnih isporuka roba i usluga/kredita dobavlja a (Zahtjev podnosi izvoznik). Ako izvoznik proizvodi robu po posebnoj narud~bi mogu se osigurati i atete tijekom proizvodnje koje se osiguravaju dodatnim ugovorom o osiguranju. Prilikom zaklju enja Ugovora o osiguranju naplauje se premija osiguranja. Nakon zaklju enja Ugovora o osiguranju osiguranik je du~an izvjeatavati HBOR o provedbi Izvoznog ugovora. U slu aju ostvarenja osiguranih rizika, uz uvjet ispunjenja obveza iz Izvoznog ugovora i Ugovora o osiguranju, a nakon isteka razdoblja ekanja, HBOR isplauje osiguraniku odatetu. Za ostale informacije slobodno nas kontaktirajte! OSIGURANJE IZVOZA     PAGE  PAGE 2 HBOR, Osiguranje izvoza, Strossmayerov trg 9, 10000 Zagreb; tel. 01 4591 539; faks 01 4591 547;  HYPERLINK "http://www.hbor.hr" www.hbor.hr  HBOR, Osiguranje izvoza, Strossmayerov trg 9, 10000 Zagreb; tel. 01 4591 539; faks 01 4591 547;  HYPERLINK "http://www.hbor.hr" www.hbor.hr .Z//z1|111h356@78999999::::::$a$gdR$a$gdR$ & F dd[$\$a$gd dd@&[$\$gdu3=$a$gd9::::: :$:&:*:,:0:2:>:@:B:F:H:T:V:X:Z:^:::::::$;&;f;¼¼¼­¼ss_&jh48hJ%B*CJUaJphhJ%B*CJaJphhJ%5B*CJaJph h48hJ%5B*CJaJphh48hJ%B*CJaJphhM 0JmHnHuhJ% hJ%0JjhJ%0JUh6jh6UhRhu3=CJaJhRhR5CJaJ hRhR5B*CJaJph::":$:(:*:.:0:B:D:F:\:^:;;;;;;  $ !gd#hh]hgdFDZ$a$gd]_$h&`#$]ha$gd$&`#$a$gdh]hgd &`#$gdf;h;j;;;;;;;;;;;;;V<X<<<<<<<<<<հuiiՕRհNChRhu3=CJaJh6,jh48hJ%B*CJUaJphhJ%B*CJaJphhhJ%B*CJaJph h48hJ%5B*CJaJphh48hJ%B*CJaJphjhJ%UhJ% h48hJ%B*CJ\aJph'h48hJ%0J>*B*CJ\aJph&jh48hJ%B*CJUaJph,jh48hJ%B*CJUaJph;<<<<$a$gdR$a$gd489 0&P 1h:p. 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