What is a marine insurance loan?

1. What is a marine insurance loan? How to apply?

Now it is more and more urgent to protect the environment, and any industry that relies on natural development needs to take the road of sustainable development, so Xiamen has established a marine insurance loan. What is a marine insurance loan? How's it going? What is a marine insurance loan? The essence of "marine insurance loan" is a marine secured loan, which is issued by Xiamen Branch of China Construction Bank to small and medium-sized enterprises involved in the sea. The biggest difference from other ordinary loans is that the "marine insurance loan" has a "platform" led by the Municipal Ocean and Fisheries Bureau to expand the loan amount-the municipal financial arrangement 100,000 yuan is used as the credit risk compensation fund for small and medium-sized enterprises in Xiamen marine economy, and the cooperative banks provide special loans with an amplification of10 times to help small and medium-sized enterprises develop out of economic difficulties. How about a marine insurance loan? Small and medium-sized enterprises involved in the sea, mainly including small and medium-sized enterprises in marine fisheries, marine salt industry, marine shipbuilding industry, marine engineering construction industry, coastal tourism industry, marine equipment manufacturing industry, marine products and materials manufacturing industry, are the beneficiaries of "marine insurance loans". In addition to paying the loan interest of CCB and the risk compensation guarantee fee of 2% of the guarantee amount to the designated cooperative guarantee company, the loan enterprise does not need to pay other public fees. Compared with traditional loans, the financing threshold of enterprises is also lower. On the basis of accepting real estate mortgage, we will increase various collateral such as ships, sea area use rights, intellectual property rights and accounts receivable, and some enterprises with good credit records and growth potential will also be exempted from guarantee. The maximum loan amount for a single family is 5 million yuan, and the longest loan period is 1 year.

Second, about insurance loans.

It is a kind of old-age insurance loan guarantee, which aims to provide free, efficient and convenient old-age insurance loan guarantee settlement service for laid-off workers in enterprises who are unable to pay old-age insurance or laid-off workers who are unable to pay in their personal capacity, protect the legitimate rights and interests of the above-mentioned insured persons, and inject new impetus into the sound and rapid development of county economy and society.

What are the types of marine insurance and what are the principles of marine insurance?

Marine insurance is mainly divided into:

(1) cargo transportation insurance, to protect the accidental loss of various materials carried by marine means of transport.

(2) Ship insurance covers the losses caused by unexpected disasters or accidents during navigation, operation, berthing and repair.

(3) Freight insurance, which guarantees the loss of expected freight income caused by accidents of the shipowner or charterer.

(4) shipowner's liability insurance, also known as shipowner's protection and compensation liability insurance, referred to as P&I liability, the insurer bears the shipowner's civil liability for compensation, for example, the liability for personal and property damage to crew members and third parties, the liability for cleaning up the sea area after oil spill and other oil pollution damage.

Claim is a legal act that the insurer examines the claim materials and makes decisions such as paying, partially paying or refusing to pay after knowing that the insurance accident has occurred and investigating and confirming the legal responsibility. Claim settlement is an insurance obligation of the insurer and an important means for the insurer to improve the management level. Marine insurance claims should follow some basic principles:

1, based on the principle of marine insurance contract. After a maritime accident, whether it falls within the scope of insurance liability, whether it is within the insurance period, the determination of insurance compensation amount and deductible, and the insured's own liability are all determined according to the insurance contract.

2. Rationality principle. When dealing with insurance compensation, the marine insurer should take the insurance contract as the basis and pay attention to the principle of rationality, because the terms of the marine insurance contract cannot summarize all the situations.

3. The principle of timeliness. The main function of marine insurance is to provide economic compensation. After the occurrence of an insured accident, the insurer shall timely survey and determine the damage, and deliver the insurance money to the insured in time.

The main procedures of claim settlement include:

1, loss reporting notice. When an insured accident or loss occurs within the scope of insurance liability, the insured shall immediately notify the insurer. Loss reporting is the first procedure of insurance claim. In ship insurance, if the accident occurs abroad, the nearest insurance agent should also be notified.

2. Investigation and inspection. The insurer or its agent shall, after receiving the notice of loss, immediately investigate the loss of the subject matter insured.

3. Verify the insurance case. After receiving the inspection report of the agent or the principal, the insurer shall also collect information from the relevant parties to verify, supplement and amend the claim materials.

4. Analyze the claim and determine the responsibility. The insurer shall make a judgment according to whether the reason belongs to the insurance liability, whether it occurs during the insurance period, whether the claimant has insurable interests and relevant documents reviewed, such as insurance documents, accident inspection reports, insurance accident certificates, rescue and repair of the insured object, etc.

5. Calculate the compensation amount and pay the insurance compensation. The calculation of insurance compensation is usually based on claims. The calculation of insurance compensation can be carried out by the insurer himself, calculated by his agent or adjusted by the general claimant.

The limitation of claim for marine cargo transportation insurance shall not exceed two years at the longest, counting from the time when the insured goods are all unloaded from the seagoing vessel at the final port of discharge.

Fourth, what is the commercial building property all risks?

Enterprise property insurance transportation cargo insurance

0 10 1 property insurance

0 103 basic property insurance

0 104 property all risks

0 105 loss of profits insurance

0 106 cash insurance

0 107 computer insurance

0 108 office insurance

0 109 outdoor billboard comprehensive insurance

0 1 10 employee loyalty insurance

0 1 1 1 mechanical equipment damage insurance

0 1 12 crane insurance

0 1 13 computer equipment insurance

0 1 14 in-plant transportation (yard)

0 1 15 oil and gas pipeline insurance

0 1 16 basic insurance for commercial building property insurance

0 1 17 comprehensive insurance for commercial building property insurance

0 1 18 commercial building property all risks

0 1 19 power plant property insurance basic insurance

0 120 comprehensive property insurance for power plants

0 12 1 power plant property all risks

0 122 power plant machine damage insurance

0 123 profit loss of power plant

0 124 power plant machinery loss and profit loss insurance

020 1 domestic cargo waterway,

0202 marine cargo insurance

0203 air cargo insurance

0204 ocean

0205 parcel insurance

0206 Land Cargo Insurance

0207 domestic road transport cargo insurance

0208 domestic air cargo insurance clauses

0209 domestic waterway cargo insurance

02 10 domestic railway transportation

02 1 1 domestic road transport goods

02 12 domestic postal (express) cargo insurance

02 13 domestic freight forwarder insurance

02 14 domestic air passenger baggage insurance

02 15 pipe

Motor vehicle insurance liability insurance

0320 motor vehicle jiao

0322 motor vehicle commercial insurance

0402 product liability insurance

0403 employer liability insurance

0404 motor vehicle parking lot liability insurance

0405 lawyer's professional liability insurance

0406 Professional Liability Insurance for Real Estate Appraisers

0407 Property Management Comprehensive Liability Insurance

0408 Travel Agency Liability Insurance

04 1 1 risk

04 12 elevator safety comprehensive insurance

04 13 exhibition

04 14 power supply liability insurance

04 15 carrier's liability insurance for road dangerous goods

04 16 road passenger carrier liability insurance

04 17 security service liability insurance

04 18 household gas safety liability insurance

04 19 catering service

0420 Professional Liability Insurance for Medical Institutions

042 1 motor vehicle parking lot

0422 third party liability insurance for mopeds and bicycles and additional accidental injuries to drivers.

injury insurance

0423 Construction Engineering Design Liability Insurance

0424 product liability insurance

0425 school liability insurance

0426 logistics cargo damage liability insurance

0427 road cargo carrier liability insurance

0428 Professional Liability Insurance and Additional Insurance for Certified Public Accountants (2)

0429 airport liability insurance

0430 Ro-Ro Carrier Liability Insurance

043 1 Chongqing Physician Professional Liability Insurance

0432 Hotel Service Safety Liability Insurance

0433 entertainment service safety liability insurance

0434 safety liability insurance for large-scale activities

0435 amusement park safety liability insurance

0436 carrier liability insurance for waterway cargo transportation

0437 Waterway Passenger Transport Carrier Liability Insurance

0438 Port cargo operation liability insurance

0439 insurance agency practicing liability insurance

0440 Practice Liability Insurance for Insurance Brokerage Institutions

044 1 Safety liability insurance for production and business premises

0442 passenger station (port) safety liability insurance

0443 nursing liability insurance

0444 Dog Liability Insurance

0445 Property Management Liability Insurance

0446 Driver Training School Liability Insurance

Personal accident insurance and short-term health insurance

060 1 passenger personal accident insurance

0602 air passenger accident insurance (industry guidelines)

0603 personal accident insurance, motor vehicle driver and passenger.

0605 medical accident insurance for patients

0606 Group personal accident insurance

0608 Financial Clerk personal accident insurance

0609 Public Service Group personal accident insurance

06 1 1 tourist attractions (entertainment places) tourists personal accident insurance

06 12 comprehensive insurance for accidental injuries of students and children

06 13 Construction workers integrated personal accident insurance.

06 14 short-term traffic in personal accident insurance

06 16 overseas Chinese in personal accident insurance

06 17 short-term health insurance for acute infectious diseases

0624 Civil Gas User personal accident insurance

0630 comprehensive insurance for accidental injuries of motor vehicle drivers and students

063 1 Accident Insurance for Family Members of "Jiaanbao"

0632 "Aviation Sense Treasure"-Annual Insurance for Accidental Injury of Air Passengers

0633 "Travel Safety"-Vehicle Driving Accident Insurance

0634 Borrower's accidental injury insurance

0635 comprehensive insurance for accidental injury of residents' electricity consumption

0636 "Shen Anbao" personal accident insurance

0637 "Youanbao"-comprehensive insurance for accidental injury of tourists participating in the group and additional insurance for high-risk tourism projects.

0638 "Shen Anbao" personal accident insurance.

0639 Accidental Injury Insurance for Accommodation Passengers

0640 maternal and infant Ankang insurance

064 1 Women's team critical illness insurance

0642 "Jia Bao An" —— Comprehensive Insurance for Motor Vehicle Driving Accidents

0643 "Lu 'anbao" —— Comprehensive Insurance for Travel Accident Injury

0644 "medical insurance"-accident insurance for anesthesia during operation

0645 "Youanbao"-comprehensive insurance for accidental injury of self-help travelers

0646 Shen Anbao-comprehensive insurance for accidental injuries of the elderly

0647 Shen Anbao-Elderly accidental injury and high disability care insurance

0648 "Medical Security"-Surgical Accident Insurance

0649 Shen Anbao-Children's Accidental Disability Insurance

0650 "Shun Security" —— Comprehensive Insurance for Migrant Workers' Accidental Injury

065 1 "Shen anbao"-comprehensive accident insurance (section b)

0652 "Shun Security" —— Accidental Injury Insurance for Laborers Going Abroad

0653 "new insurance"-passenger accident insurance for passenger motor vehicles

0654 you security protection b

Additional Insurance Additional Group Accidental Injury Hospitalization Allowance Insurance

Additional insurance Additional traffic accident injury double payment insurance

Additional risks, additional holidays and accidental injuries, double compensation insurance

Additional insurance additional accidental injury medical expenses insurance

Additional medical insurance for hospitalized children with additional risks.

Additional insurance additional accidental injury hospitalization allowance insurance

Additional insurance Additional group illness hospitalization allowance insurance

Additional insurance Additional group sudden illness and death insurance

Additional insurance extra passenger carry-on baggage insurance

Additional insurance Additional hospitalization insurance for group diseases

Other means of transportation insurance and family property insurance

070 1 aircraft insurance

0702 coastal and inland river ship insurance

0703 ship insurance

0704 container insurance

0705 Ship Construction Insurance

0706 inland navigation ship rescue and removal cost insurance

0707 yacht insurance

0708 railway vehicles

080 1 family property insurance

0803 Personal Loan Mortgage Housing Insurance (2005 Edition)

0804 Shanghai Personal Mortgage Housing Comprehensive Insurance

0805 "Juanbao"-Family Property Insurance and Additional Risks (4)

0806 Personal Loan Mortgage Housing Comprehensive Insurance

0807 burglary insurance

Engineering insurance comprehensive insurance

090 1 Construction All Risks

0902 Installation Project All Risks

0903 machine damage insurance

0904 machine loss and loss of profit insurance

0905 boiler and pressure vessel comprehensive insurance

0906 housing construction engineering insurance

0907 architectural decoration engineering insurance

0908 All Risks and Third Party Liability Insurance for Road Construction Engineering

0909 subway installation project all risks and third party liability insurance

09 10 subway construction all risks and third-party liability insurance

11kloc-0/"wealth cat treasure"-comprehensive insurance for automobile sales service providers.

1 102 star hotel comprehensive insurance

1 103 comprehensive risks of residents' gas safety and additional risks

1 104 "Caianbao"-comprehensive insurance for gas stations

1 105 comprehensive insurance for public gathering places

Insurance card business

1, short-term traffic personal accident insurance

2. "Aviation security"-annual insurance for accidental injury of air passengers.

3. "Hang An Bao"-Vehicle Driving Accident Insurance (Class A)

4. "Personal safety"-comprehensive insurance for personal accident injury

If you have any other insurance questions, please come: protect more fish and talk about insurance.