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追偿是出口信用保险的重要组成部分,根据现行《中国人民保险公司短期出口信用保险条款》规定,追偿是指在保险公司向保户赔偿后,有权取得保户的权益转让书,对已赔项下的各项权利向买方进行追讨的经济行为。这是保险公司降低赔付率,控制风险,挽回或减少经济损失的重要手段,尤其是对于出口信用保险这种国家划拨基金的政策性险种,有效地进行追偿工作,对于减少国家损失,保证其良好运行具有重要意义。
Recovery is an important part of export credit insurance. Pursuant to the existing provisions of the “Chinese People’s Insurance Company Short-term Export Credit Insurance Policy,” recovery refers to the transfer of rights and interests of policyholders after obtaining compensation from the insurer, Under the various rights to pursue the economic behavior of the buyer. This is an important means for insurers to reduce their payout ratio, control risks and restore or reduce economic losses. In particular, the policy of allocating funds to state-owned insurance companies such as export credit insurance is effective in recovering losses and reducing their losses so as to ensure their good performance Running is of great significance.