ࡱ> {;bjbjzz ;FQ8($L,[xFZZZZZZZ$S]`[Q[4c[222Z2Z222L RPMy;P.Zy[0[Q`4`\RR`T2[[p[` : OSIGURANJE KREDITA KUPCU/BANCI KUPCA Osiguranje se primjenjuje za poticanje izvoza hrvatskih roba i usluga u slu ajevima kada inozemni kupac zahtijeva odgodu plaanja, odnosno financijski 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 Poslovne banke koje odobravaju kredit inozemnom kupcu odnosno banci kupca. Predmet osiguranja Potra~ivanje poslovne banke prema kupcu ili banci kupca temeljem ugovora o kreditu. Isplata iz sredstava kredita obavlja se izravno na ra un izvoznika, a kredit otplauje kupac ili njegova banka u inozemstvu.  INCLUDEPICTURE "http://www.hbor.hr/lgs.axd?t=16&id=606" \* MERGEFORMATINET  Zaklju enje ugovora o osiguranju i plaanje premije, Plaanje avansa temeljem Izvoznog ugovora, Isporuka roba ili obavljanje usluga, Isplata sredstava kredita, Otplata kredita, Isplata odatete ako kupac ili njegova banka ne ispune obveze. Osigurani rizici Komercijalni rizici: Neplaanje, odnosno neizvraenje obveze inozemnog du~nika. Podnoaenje instrumenata osiguranja po ugovoru o kreditu inozemnom kupcu i/ili banci na plaanje proizvest ce jednake u inke, Insolventnost, ste aj ili ovrha nad imovinom inozemnog du~nika. Nemogunost izvraenja ugovora o kreditu inozemnom kupcu i/ili banci na strani osiguranika ili osiguranikovih zastupnika, nastala uslijed injenica za koje osiguranik ne odgovara i koje su nastale u inozemstvu. Politicki rizici: Rat ili ratu sli ni dogaaji, Pobuna ili revolucija, Vladine mjere koje na rok dulji od 3 mjeseca ograni avaju ili sprje avaju transfer ili slobodno raspolaganje plaanjima Nemogunost izvraenja obveze uslijed drugih politi kih dogaaja, a naro ito politi kih dogaaja u zemlji preko koje je jedino mogue izvraenje plaanja. 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 du~nik ili njegov garant subjekt javnog prava. Osigurana svota i postotak pokria Nov ani iznos na koji je zaklju eno osiguranje, a koji ne mo~e biti vei od ugovorne vrijednosti kredita inozemnom kupcu i/ili banci, Uobi ajeno pokrie je izmeu 80% i 95% 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, a postoji mogunost uklju ivanja premije osiguranjau glavnicu kredita. Premijska stopa ovisi o riziku dr~ave izvoza, bonitetui statusuinozemnog kupca, vrsti dodatnog osiguranja, trajanju rizika i visini pokria. Odateta Osiguranik ImaLNP h 6 8 4 6  4ǼyynaVNVFVhNvCJaJhxxCJaJh)$Zh!-CJaJh)$Zh!-0JCJaJh)$Zh!-CJaJ#h!-B*CJOJQJ^JaJphfff,jh!-B*CJOJQJU^JaJphfffh!-CJaJ#hFh!-5B*CJ\aJphh!-h!-CJaJ h!-h!-h<h!-B*CJaJph#h<h!-5B*CJ\aJphh]_h]_h?P95B*phNP h 6 8 4 BB $a$gd)$Z & Fdd[$\$gd!-$a$gd!-gd!- dd@&[$\$gd!-$a$gd!-$a$gdu3=$a$gdw z4&0P`"''x(D)(*, & Fgd!-$a$gd!- dd@&[$\$gd!- $ & Fa$gd)$Z$a$gd)$Zgd!- $ & Fa$gd)$ZP`|&"'',,~../R///////77Ĺ޷ޯޤteZRh!-CJaJhqh!-CJaJh!-5B* CJ\aJphhF5B* CJ\aJphh)$Zh!-5CJ\aJh\VehBCJaJhBCJaJh\VehBCJaJhmsrCJaJUh!-h!-CJaJ#hFh!-5B*CJ\aJphhNvCJaJh)$Zh!-CJaJh)$Zh!-0JCJaJh!-0JCJaJ pravo na podnoaenje odatetnog zahtjeva nakon isteka roka nazna enog u polici osiguranja (u pravilu 6 mjeseci od datuma dospijee potra~ivanja). Meunarodna pravila o osiguranju i financiranju izvoza Kod poslova s rokovima otplate du~im od 2 godine uva~avamo pravila OECD-a od kojih su najva~nije sljedee odredbe: Postojanje gotovinskog plaanja (avans + meuplaanja) od minimalno 15% (kod brodova minimalno 20%). Iznos lokalnih troakova financiranih iz kredita kupcu/banci ne smije prelaziti 30% vrijednosti izvoznog ugovora. 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 iznimka je 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 Procedura ugovaranja 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 osiguranjeili izdavanje Pisma namjere za osiguranje. Nakon ato se zaklju i izvozni ugovoriUgovor o kreditu, koji mora biti u skladu s Meunarodnim pravilima o osiguranju i financiranju izvoza (Pravila Bernske Unije i OECD-a) podnosi se Zahtjev za osiguranje kredita inozemnom kupcu/banci (zahtjev podnosi poslovna banka koja kreditira izvozni posao). 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 osiguranja naplauje se premija osiguranja. Nakon zaklju enja Ugovora o osiguranju, osiguranik je du~an izvjeatavati HBOR o provedbi Ugovora o kreditu. U slu aju ostvarenja osiguranih rizika, uz uvjet ispunjenja obveza iz Ugovora o kreditu i Ugovora o osiguranju, a nakon isteka razdoblja ekanja HBOR isplauje osiguraniku odatetu. Za ostale informacije slobodno nas kontaktirajte! 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