海外投资债权保险保费厘定思路分析
A Thread’s Analysis on the Determination of the Overseas Investment Debt Insurance Premium

目前市场对海外投资债权保险产品存在多样化理解，本文采用定性分析与构建收费模型相结合的研究方法，引述保险单计费规则，参照业务实践构建产品计费模型。得出以下结论：一是海外投资债权保险保险单不因出险天然终止，保费支付人仍需足额缴纳各期保费；二是海外投资债权保险的保费厘定原理为，保险人根据还款计划对每笔本金在保险存续期内按期计收保费，对每笔利息在计息当期计收保费。
At present, there are diversified understandings of Overseas Investment Debt Insurance. We in-troduce policy provisions and build the premiums calculation model with reference to Export & Credit Insurance practice. The conclusions are drawn as follows. Firstly, even though the risk has appeared, the Overseas Investment Debt Insurance Policy shall not be naturally terminated, and the premiums’ payer still needs to pay the premiums in full. Secondly, the principle of determining insurance premiums for Overseas Investment Debt Insurance is divided into two parts. For princi-pal’s part, the Insured pay premiums according to the repayment schedule in every Period of In-surance. For interest’s part, the premiums’ payer needs to pay premiums according to the interest accrued thereon during the Period of Insurance.