Under the impetus of the General Administration of Customs and the Banking Regulatory Commission, starting from September 1, Beijing, Shanghai and other ten customs began to pilot tariff insurance business to help import and export enterprises solve the financial problems in foreign trade. It is reported that BOC Insurance, PICC P&C Insurance, CPIC Property Insurance and other insurance companies have issued relevant policies.
The public information shows that the tariff guarantee insurance is a newly developed insurance product of the customs joint insurance industry, and it is also the first time that the customs introduced insurance products as a new type of guarantee. It is actually a customs performance guarantee insurance. The insured is an import and export enterprise that needs to pay customs duties, and the insured is the customs. To put it simply, if an import and export enterprise fails to pay the relevant taxes to the customs on time, it will be paid by the insurance company, and the fulfillment of its payment obligations will ensure that the customs receives the tax benefits.
At present, the traditional customs tax guarantee mainly adopts two forms: cash deposit and bank guarantee. In terms of cash guarantee, it is not necessary to say that the capital of the enterprise is large; in the case of bank guarantee, the enterprise mainly applies for guarantee from the bank, and the guarantee bank issues a written document to the customs to guarantee the customs duty of the import and export enterprise, which is equivalent to the corporate tax. By the bank. However, the audience of the guarantee method is mainly large enterprises with large scale and high credit quota. It is not easy for small and medium-sized import and export enterprises, and the application for guarantee letters is difficult, and it is necessary to increase the guarantee. It also faces high cost and formalities. Long wait questions.
The introduction of tariff guarantee insurance has just improved the above problems. Specifically, the tariff guarantee insurance is equivalent to the insurance company directly making the tax guarantee, the enterprise does not need to prepare the margin fund, the fund can be released; secondly, because it is the insurance method, there is no bank guarantee link, so it does not occupy the bank credit. In terms of quota, companies can use the quota on the cutting edge. Third, compared with bank guarantees, the insurance rate is lower, which can reduce the cost of the enterprise.
Gao Ruifeng, deputy director of Beijing Customs, said that under the tariff-guaranteed insurance model, enterprises do not need to occupy the credit line of the bank, and directly save the cost of capital through tariff guarantee insurance. In the case that ordinary private enterprises need to pay the full amount of the monthly tax of 300 million yuan, the current commercial loan interest rate and the tariff guarantee insurance rate of about 0.3% will be used to calculate the average annual savings of 5 million according to the occupation time of different goods. - 10 million yuan in interest. The person in charge of import and export enterprises said in an interview with CCTV, "Enterprises pay more attention to the savings and optimization effect of insurance methods, do not occupy bank credit lines, and can use bank credit lines for more appropriate places, such as international settlement. , open a letter of credit, etc."
According to estimates by Beijing Customs, it is estimated that the import and export business of the scale of 10 billion yuan will adopt the above-mentioned tariff guarantee insurance model. According to the insurance company, almost all enterprises except the company that lost the letter can apply for insurance and become the insured of the tariff guarantee insurance.
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