1. KHI QUT CHUNG V BO HIM 2.

BO HIM HNG HA XNK BNG

NG BIN 3. BO HIM HNG HA XNK BNG NG BIN (T HC)

Trnh ri ro (Risk avoidance) Ngn nga, hn ch ri ro (Risk

prevention) T khc phc ri ro (Risk assumption) Chuyn nhng ri ro (Risk transfer) bo him pht trin mnh

Bo him l mt s cam kt bi thng ca ngi bo him i vi ngi c bo him v nhng mt mt, h hng thit hi ca i tng bo him do nhng ri ro tha thun gy ra vi iu kin ngi c bo him thu bo him cho i tng v np mt khan tin gi l ph bo him.

Bo him l vic phn chia tn tht ca mt hoc mt s ngi ra cho c cng ng tham gia BH cng chu c s lut s ng (THE LAW OF LARGE NUMBERS) BH c li

CC NGUYN TC C BN
Bo him mt ri ro c th xy ra ch

khng bo him mt s chc chn xy ra (Fortuity not certainty) Nguyn tc trung thc tuyt i (Utmost good faith) Nguyn tc li ch bo him (Insurable interest) Nguyn tc bi thng (Indemnity) Nguyn tc th quyn (Subrogation)

L ngi nhn ri ro v pha mnh, c hng mt khon ph bo him v phi bi thng khi c tn tht xy ra.
ICC 1982: UNDERWRITER ICC 2009: INSURER

Ngi bo him (Insurer)

L ngi c quyn li bo him (insurable interest) b thit hi khi ri ro xy ra v c ngi bo him bi thng. ICC 1982: INSURED ICC 2009: ASSURED

Ngi c bo him (Assured)

L i tng m v n ngi ta phi k kt hp ng bo him. i tng bo him gm 3 nhm chnh: Ti sn, con ngi v trch nhim dn s. Hng ha: ph hp HMBHHQT

i tng bo him (Subject matter insured)

ICC 1982: GOODS/ CARGO ICC 2009: SUBJECTMATTER INSURED

L tr gi ca ti sn lc bt u bo him, cng thm ph BH v cc chi ph c lin quan khc. Gi tr BH ca hng = gi tr ca hng ti ni n V= C + I + F

V: gi tr bo him C: gi hng ti cng i I: ph bo him F: cc vn ti

Tr gi bo him (Insured value- V)

Trong thc t, ngi ta mua bo him c th BH phn li d tnh do vic xut, nhp khu mang li: V= CIF + a.CIF
Trong : a l phn trm li c tnh (thng l 10% theo tp qun bo him)

Tr gi bo him (Insured value- V)

L s tin m ngi c bo him k khai v c ngi bo him chp nhn.

S tin bo him (Amount insured-A)

Ph bo him l khon tin nh m ngi c bo him phi tr cho ngi bo him i tng bo him ca mnh c bo him.
Ph bo him (Insurance Premium- I)

I A R

L mt t l phn trm nht nh thng do cc cng ty bo him cng b bng t l ph bo him cho tng nghip v bo him.

T l ph bo him (Insurance rate-R)

Bo him hng hi l bo him nhng ri ro trn bin hoc nhng ri ro trn b, trn sng lin quan n hnh trnh ng bin, gy tn tht cho cc i tng bo him chuyn ch trn bin.
-Bo him thn tu (Hull Insurance) -Bo him trch nhim dn s ca ch tu

(P&I Insurance) -Bo him hng ha (Cargo Insurance)

Ri ro trong bo him hng hi

Ri ro l nhng tai nn, tai ho, s c xy ra mt cch bt ng, ngu nhin hoc nhng mi e do nguy him khi xy ra th gy tn tht cho i tng bo him.
Kh nng ngu nhin Ri ro Hu qu tn tht

Phn loi ri ro
Ngun gc pht sinh

Tnh cht nghip v

Cn c vo ngun gc
Hin

tng t nhinkhng chi phi c Bin ng, bo, gi lc, st nh, thi tit xu, sng thn, ng t, ni la phun, l, ma , bn tri,

Thin tai (Act of God) Tai ha ca bin (Perils of the sea) Tai nn bt ng (ri ro ph-extranerous risk) Nguyn nhn khc

Cn c vo ngun gc
Tai nn xy ra ngoi bin

ri ro chnh (Major casualties) Mc cn, m, chy, n, m va nhau, m va phi ngm, tu b lt p, b mt tch

Thin tai (Act of God) Tai ha ca bin (Perils of the sea) Tai nn bt ng (ri ro ph-extranerous risk) Nguyn nhn khc

Cn c vo ngun gc
Tai nn ngu nhin

khng thuc 2 loi trn Trn bin, trn b, trn khng, trong qu trnh vn chuyn, xp d, lu kho, bo qun V, cong, bp, thi, hp hi, thiu ht, mt trm, mt cp, khng giao hng

Thin tai (Act of God) Tai ha ca bin (Perils of the sea) Tai nn bt ng (ri ro ph-extranerous risk) Nguyn nhn khc

Cn c vo ngun gc
Bn cht ca i tng

ni t, n t Nguyn nhn trc tip l chm tr Hin tng chnh tr-x hi :

Thin tai (Act of God) Tai ha ca bin (Perils of the sea) Tai nn bt ng (ri ro ph-extranerous risk) Nguyn nhn khc

Chin

tranh,

khng b nh cng

Cn c tnh cht bo him

Ri ro chnh:
Mc cn (Grounding/Stranding) Chm m (Sinking) Chy, n (Fire/Explosion) m va (Collision)

Ri ro thng thng c bo him Ri ro phi bo him ring

Ri ro phu:
Nm hng xung bin (Jettison)

Mt tch (Missing ship)

Hnh vi vi phm php lut ca thuyn

trng, thy th (Barratry) Mt cp, giao thiu (Theft, pilferage, nondelivery and shortage-T.P.N.D) Rch (tear), v (breakage), g (Rust), bp, cong vnh (bending and denting), hp hi (Stuffy), mt mi, ly hi (contamination), ly bn (contact), va p vi hng ha khc, nc ma, hnh vi c , trm cp, mc cu (hook)

Ri ro loi tr

Cn c tnh cht bo him

Ri ro chin tranh (War risks)dng bo lc trn p, c hnh ng i nghch th ch ln nhau:

Ni chin, cch mng, khi

ngha, xung t, th ch chng giai cp cm quyn Chim, bt gi, hn ch, cm gi, tch thu Trng mn, thy li, bom, n, pho, v kh v ch
Ri ro nh cng (Strikes-nh cng, Riots-bo ng, Civil Commotions-ni lon dn s, gi chung l SRCC): l ri

Ri ro thng thng c bo him

Ri ro phi bo him ring

ro v ngi nh cng ph hy hng ha hay do cng nhn nh cng m hng ha khng c ngi khun vc, lu ngy b h hngThi gian l 30 ngy k t khi l hng cui cng d xung (thiu nhn cng khng thuc ri ro ny).

Ri ro loi tr

Cn c tnh cht bo him

Bun lu (Contraband) Ph bao vy (Brokade) Ni t (Inherent vice), n t Do li ca ngi c bo

hims sut, sai lm, thiu trung thc hng ha v/ hoc ngi bo him Mt th trng, st gi, chnh lch t gi hi ai Ch tu mt kh nng ti chnh khng p ng c nhu cu chi tiu bt thng trong qu trnh vn chuyn Tu i chch hng (deviation) Tau khng kh nng i bin Hao ht t nhin

Ri ro thng thng c bo him

Ri ro phi bo him ring

Ri ro loi tr

Tn tht (loss, damage, average) l nhng thit hi, h hng, mt mt ca i tng bo him do ri ro gy nn. Nh vy, ri ro l nguyn nhn, tn tht l hu qu do ri ro gy nn.

Trong bo him, ngi bo him ch bi thng tn tht ch khng bi thng ri ro. Tn tht mun c bi thng th phi do nhng ri ro tha thun gy nn.

Tn tht trong bo him hng hi

Cn c vo mc v quy m, tn tht Tn tht b phn (Partial loss)

Tn tht toan b (Total loss)

Tn tht trong bo him hng hi

L s mt mt, h hng, thit hi mt phn i tng bo him thuc mt hp ng bo him:
Gim mt phn gi tr s dng ca hng ha. Gim v s lng Gim v th tch Gim v trng lng

Tn tht b phn (Partial loss)

Tn tht trong bo him hng hi

L hng ha bo him b mt 100% gi tr hoc ga tr s dng

Tn tht toan b (Total loss)

Tn tht toan b thc t Tn tht toan b c tnh

Tn tht ton b
L tn tht m do hng ha b ph hy hon ton hay b h hng nghim trng khng cn l vt phm nh c hoc ngi c bo him b tc quyn s hu vi hng ha. Ngi bo him phi bi thng ton b

Tn tht toan b thc t (Actual Total Loss)

Tn tht ton b
L tn tht v hng ha m khng sao trnh khi tn tht ton b thc s hay c th trnh c nhng nhng chi ph phi b ra sa cha, khi phc v a hng ha v bn n bng hoc vt qu tr gi hng ha: Dng th nht: Chc chn tn tht ton b thc s s xy ra Dng th hai: Xt v ti chnh th coi l tn tht ton b

Tn tht toan b c tnh (Constructive Total Loss)

Tn tht ton b
T b hng phi tun th cc quy nh sau: + Thng bo cho ngi bo him bit v tnh trng tn tht + Tuyn b t b hng (Notice Of Abandonment - NOA) gi cho ngi bo him bng vn bn. + Ch t b khi hng ha cn dc ng v cha b tn tht ton b thc s. s hu v hng ho thuc v ngi bo him v ngi c bo him c i bi thng ton b.

Tn tht toan b c tnh (Constructive Total Loss)

Tn tht trong bo him hng hi

Cn c vo quyn li v trch nhim Tn tht ring (Particular Average)

Tn tht chung (General AverageG/A)

Tn tht trong bo him hng hi

L tn tht ca tng quyn li bo him do thin tai, tai nn bt ng gy nn

Tn tht ring (Particular Average)

C IM TTR
Ngu nhin Khng c s ng

gp gia cc bn Bt k u Bi thng hay khng ph thuc vo vic ri ro c c tho thun trong hp ng hay khng.

Tn tht ring (Particular Average)

Tn tht trong bo him hng hi

L nhng thit hi xy ra do nhng chi ph hoc hi sinh c bit (hnh ng tn tht chung) c tin hnh mt cch c v hp l nhm mc ch cu tu, hng ha v cc ph trong mt hnh trnh chung trn bin khi s nguy him chung, thc s i vi chng.

Tn tht chung (General AverageG/A)

C TRNG G/A
Hnh ng t gic, hu ca thuyn trng hay tp th thuyn vin trn tu. Hnh ng hp l Thit hi c bit, l nhng thit hi khng xy ra trong iu kin i bin bnh thng. Nguy c e da ton b hnh trnh phi nghim trng v thc t V an ton chung, ngha l hnh ng tn tht

chung ch c tha nhn khi n em li an ton chung cho c hnh trnh: tu, hng ho, cc ph Xy ra trn bin

NI DUNG G/A
- Hy sinh tn tht chung (G/A sacrifice) -Chi ph tn tht chung (G/A expenditure)
-Quy tc York-Antwerp 2004

Tn tht chung (General AverageG/A)

PHN BIT TTC - TTR

TN THT CHUNG
TNH CHT NGUYN NHN HY SINH HNH NG C

TN THT RING
NGU NHIN THIN TAI, TAI NN BT NG QUYN LI RING

HU QU

V AN TON CHUNG

HNH TRNH

TRN BIN

C HNH TRNH

Phn b Tn tht chung

L Hy sinh TTC Chi phi TTC V Giatrikhiroiben TTR

Xac inh gia tri TTC Xac inh gia tri chiu phn b TTC Ty l phn b

L ti x100% V

ci vi x t i

S tin ng gp cac bn
Xac inh kt qu

k qi li ci

V D
Mt con tu tr gi 1.100.000 Usd, ch hng

ha tr gi 1.000.000 Usd. Trn hnh trnh, tu gp bo, b nh dt v mc cn lm h hng v hng l: 63.000 Usd, v tu l: 50.000 Usd. lm ni tu, thuyn trng ra lnh: Nm mt s hng trn boong tr gi 150.000 Usd Thc my lm hng ni hi, sa cha 45.000Usd Chi ph nm hng xung bin: 3.700 Usd V bn tuyn b TTC phn b TTC?

Bi tp
Tu tr gi 10 triu USD, chuyn ch hng ca 03 ch hng A, B, C c tr gi ln lt l 1,2,3triu USD.Trong hnh trnh, khng may tu gp bo. Hng A b bo nh rt xung bin, tn tht 0,3 triu. tu nh chy thot khi vng c bo, thuyn trng quyt nh vt/nm hng B, tr gi 0.5triu xung bin, ng thi cho my tu lm vic ht cng sut. Thot khi cn bo, v n cng ch, thuyn trng tuyn b G/A v yu cu cc bn k qu ng gp. Hy phn b G/A ni trn?

 Vn ti bin gp nhiu ri ro Ngi chuyn ch c hn ch,

gii hn trch nhim

Hng ha xut nhp khu l hng

ha c gi tri, l vt t quan trng

Bo him hng ha c t lu i

mua bo him l tp qun quc t.

L mt vn bn, trong ngi bo him cam kt s bi thng cho ngi c bo him nhng tn tht ca i tng bo him do nhng ri ro tha thun gy nn, cn ngi c bo him cam kt s tr ph bo him

L hp ng bo him mt chuyn hng t mt ni n mt ni khc ghi trong hp ng bo him. Trch nhim ca ngi bo him l theo iu khon t kho n kho

Hp ng bo him chuyn (Voyage Policy)

L hp ng bo him nhiu chuyn hng trong mt thi gian nht nh, thng l mt nm.

Quy nh hn ngch s tin BH Floating policy

Hp ng bo him bao (Open Policy)

NGHA V
CNG KHAI - BI THNG Y , NHANH CHNG - BO V QUYN LI NGI C BH - P DNG CC BIN PHP NGN NGA, HN CH TN THT
-

Ngi bo him

NGHA V
NP PH - KHI TN THT: + THNG BO, YU CU GIM NH + P DNG BIP PHP NGN NGA, HN CH TN THT + LP CHNG T LIN QUAN, BO LU QUYN KHIU NI BN TH 3 + TTC AVERAGE BOND, AVERAGE GUARANTEE
-

Ngi c bo him

NI DUNG HP NG BO HiM
TN NGI C BO HIM TN HNG HO LOI BAO B, QUY CCH NG S VN N TR GI HNG, S TIN BO

HIM
IU KIN BO HIM NI THANH TON, NG

GI V K M HIU HNG HO
TN TU HOC PHNG TIN

VN TI
CCH THC XP HNG XUNG

TIN BI THNG
A IM V NGY K H TN CTY BO HIM V CH

TU
NI BT U VN CHUYN,

CHUYN TI, NI HNG HNG N

NGY RI BN

Hp ng coi nh c k kt khi li ngh ca ngi c bo him c ngi bo him chp nhn bng vn bn, l:
n bo him-Insurance Policy (mt sau in Quy tc, th l bo him ca cng ty bo him) Giy chng nhn bo him-Insurance Certificate (ch c ni dung mt trc, nh ca n bo him).

Hin nay, hu ht cc nc trn th gii vn dung tinh thn cc iu kin bo him hng ha (Institute Cargo Clause- ICC) ICC 1982 ca Hi bo him LonDon (Institute of London Underwriters- ILU). ICC 1982 bao gm cc iu kin bo him ch yu sau y:
iu kin bo him A (ICC-A) iu kin bo him B (ICC-B) iu kin bo him C (ICC-C) iu kin bo him chin tranh (Institute war Clauses-Cargo) iu kin bo him nh cng (Institute Strikes Clauses-Cargo)

Cc iu kin bo him hang ho mi

Cc iu kin bo him hang ho c

iu kin bo him hng ho A Institute Cargo Clauses (A) iu kin bo him hng ho B Institute Cargo Clauses (B) iu kin bo him hng ho C Institute Cargo Clauses (C)

Mi ri ro (All Risks) Tn tht (With Average)

(A.R.) (W.A.)

Min tn tht ring (F.P.A.) (Free of Particular Average)

Cc ri ro c bo him va cc loi tr

iu khon bo him hng ho (A) (B) (C)

Tn tht h hng c th quy hp l cho l: Chy hoc pht n Tu b mc cn, chm t, b chm hoc b lt p Lt nho hoc trt bnh i vi phng tin vn chuyn ng b Tu, thuyn hay phng tin vn chuyn m va hoc va chm vi bt k vt th no bn ngoi, khng phi l nc D hng ti mt cng ni tu gp nn ng t, ni la phun, st nh Mt mt hang ha gy ra bi: Hy sinh tn tht chung Nm hng khi tu hoc nc cun tri khi tu Nc bin, sng, h, xm nhp hm hng Mt nguyn kin hang khi xp d chuyn ti X X X X X X X X X X X X X X X X X X X X X X X X X X -

CC RI RO C BO HIM V CC LOI TR Trm cp

A X

B -

C -

Cp bin
Hnh vi xu, li c ca ngi c BH gy ra Hao ht t nhin, hao ht thng mi v hng ho Ni t, n t ca hng ho Bao b ng gi khng y , khng m bo hoc khng thch hp vi hng ho Do chm tr hnh trnh Do bt lc ti chnh ca ch tu Do v kh hoc v n ht nhn

X
-

Khng kh nng i bin hoc khng thch hp

Chin tranh nh cng, bo lon

Trch nhim ca ngi bo him bt u c hiu lc t khi hng ha c bo him ri kho hoc ni cha hng ti ia im ghi trong hp ng bo him bt u vn chuyn v tip tuc c hiu lc trong sut qu trnh vn chuyn bnh thng. Kt thc ti mt trong s cc thi im sau y, ty theo trng hp no xy n trc:

A-Khi giao hng vo kho hay ni cha hng cui cng ca ngi nhn hoc ca mt ngi no khc ti ni nhn, c tn trong hp ng bo him

B-Khi giao hng cho bt k kho hay ni cha hng no khc, d trc khi ti hay ti ni nhn ghi trong hp ng bo him m ngi c bo him chn dng lm:

+Ni cha hay phn phi hng, hoc +Ni cha hng ngai qu trnh vn chuyn bnh thng C-Khi ht hn 60 ngy sau khi han thnh vic d hng ha c bo him khi tu bin ti cng d hng cui cng ghi trn n bo him

LU :
-T kho: khi phng tin ri kho, khng BH

ri ro bc hng ln phng tin

-iu khan t kho n kho ch c ngha i

vi hng mua iu kin A

-i vi FOB/ CFR/ CIF: khng c tc dng t

kho, m ch t cng. Cn mua thm BH an kho ra cng

Bi thng Tn tht hng hoa

- Ch bi thng bng tin ch khng bi thng bng hin vt, ng tin bi thng l ng tin tho thun trong hp ng - Ch bi thng trong phm vi s tin bo him hay tri gi bo him, tr phi c cc chi ph hp l khc (cu h, gim inh, i ngi th ba, ng gp tn tht chung) - Ngi bo him c quyn khu tr nhng khan tin m ngi c bo him i c ngi khc - Ngi bo him c th quyn ngi c bo him i ngi khc sau khi bi thng cho ngi c bo him, nu ngi khc gy nn tn tht cho i tng c bo him

Nguyn tc tnh ton bi thng tn tht

Bi thng Tn tht hng hoa

Gim nh tn tht l vic lm ca cc

chuyn gia gim nh ca ngi bo him hoc c ngi bo him u quyn, nhm xc nh mc v nguyn nhn ca tn tht lm c s cho vic bi thng. Gim nh tn tht c tin hnh khi hng ho b h hng, v, thiu ht, gim phm cht cng n hoc ti cng dc ng v do ngi c bo him yu cu (khng mun hn 60 ngy k t ngy d hng khi tu). Nhng tn tht nh do tu m, hng mt, khng giao hng th khng cn phi gim nh. Sau khi gim nh, ngi gim nh s cp chng th: Bin bn gim

Gim nh tn tht (Survey Report)

nh hoc Giy chng nhn gim nh

Bi thng Tn tht ring

Tn tht ton b thc t: STBT = STBH Tn tht tan b

Tn tht ton b c tnh: STBT = STBH (chp nhn) STBT = TTTT (KHNG chp nhn)

Bi thng Tn tht ring

A=V STBT = V 1 - V2 Tn tht b phn

V1 : GTBH trc TT V2 : GTBH sau TT A<V STBT = (V 1 - V2 ) x A/V1

BBG ghi gim trng lng/ s lng

TL / SLThieuHut STBT A TL / SLTrongHD

BBG ghi mc gim gi tr thng mi

STBT m A

V d
Tng s kin BH l: 200 kin
Tr gi BH: 200.000 Usd S kin b h hng: 50 kin Tr gi gim theo BBG l: 20%

STBT=200,000 x 50/200 x 20% = 10.000 Usd

Bi thng Tn tht chung

Tn tht chung c bi thng gm:
-Hy sinh TTC -ng gp TTC

Thi hn thanh tan: 30 ngy k t ngy nhn h s hp l

LU : HBH KHNG GHI R A

A=V=CIF NHP KHU THEO FOB/ CFR

A=V=110%CIF XUT KHU THEO CIF/CIP

K thut mua bo him

Mua bo him trong trng hp nhp khu theo iu kin c s giao hng nhm E, F v CFR/ CPT - Nghin cu iu kin bo him cn mua (A, B, C) -Lp Giy yu cu bo him cho hng ho chuyn ch (theo mu) v k Hp ng bo him bng vn bn -Thanh ton ph bo him v nhn n bo him hoc giy chng nhn bo him

Ngi nhp khu

LU Y: + ngh ngi bn gi gp cc thng tin trc khi tu ri cng bc hng: thng tin v thu tu, v kt qu giao hng... k hp ng bo him. + Tho thun vi cng ty bo him k thm hnh thc n bo him Thng bo b sung sau (to be Advised Policy). Giy ny c gi tr nh mt n bo him km vi n bo him ban u. Chng l c s khiu ni cng ty bo him bi thng thit hi khi c ri ro

K thut mua bo him

Mua bo him trong trng hp xut khu theo iu kin c s giao hng nhm D v CIF/ CIP -Nghin cu k hp ng ngoi thng v ni dung ca L/C (nu thanh ton bng L/C) nm vng: loi tu cn thu, iu kin (A, B, C) v gi tr bo him cn mua, ni khiu ni i bi thng. -Thu tu thch hp, thc hin giao hng ly Vn n (B/L). -n cng ty bo him lp Giy yu cu bo him cho hng ho chuyn ch (theo mu) v thc hin b sung (nu cn). - Np ph bo him.

Ngi xut khu

LU Y: Gi cho ngi mua cc chng t bo him (khi bn theo iu kin CIF hoc CIP).

KHIU NI
- Hp ng hay giy chng nhn bo him gc - Vn n gc , C/P - Bn sao ho n gc hoc cc ho n chi ph -Chng t xc nhn s lng, trng lng hng -Khng ngh th (Sea Protest) - Th km tnh ton s tin khiu ni - Giy yu cu bi thng hng ho tn tht (theo mu )

B H S

LU Y:

Tu tng trng hp khiu ni c th, cn km thm cc chng t sau

KHIU NI
- Bin bn gim nh do ngi bo him hoc i l ca ngi bo him cp (Survey Report) - Bin bn d hng (COR) - Bin bn v do cng gy ra - Th t khiu ni hoc bo lu quyn khiu ni lin quan ti trch nhim ca ngi th ba (nu c) i vi hang ho h hng hay mt mt

LU Y:

COR: Cargo Outturn Report

KHIU NI
- Bin bn kt ton nhn hng vi tu (ROROC) - Xc nhn hng thiu ca i l hng tu (CSC) - Kt ton bo li ca cng (CS) - Th khiu ni hng tu (nu c) i vi hng ho b thiu nguyn kin

LU Y:

ROROC: Report on Receipt of Cargo CSC: Certificate of Shortlanded Cargo CS: Correction Sheet

KHIU NI
- Vn bn tuyn b tn tht chung ca ch tu (G/A declaration letter) - Bn tnh ton phn b tn tht chung ca l ton s ( G/A adjustment) - Cc vn bn c lin quan khc i vi tn tht chung

KHIU NI
H s khiu ni gi trc tip cho ngi bo him hoc i l ca h trong thi gian sm nht nhng khng c chm qu 9 thng (nu khiu ni tn tht c lin quan n trch nhim ca ngi th ba) k t khi hng c d khi tu bin ti cng c tn ghi trong hp ng bo him tr khi c tho thun khc

Thi hn khiu ni

Thi hn : 2 nm

Bi tp
Cng ty NV nhp khu nguyn liu,phu gia thc phm MTR-79 (2,100bao), 20kg/bao. Gi CIF Cng Si Gn: 1.25USD/kg Incoterms 2000. MTR-80 (2,100bao), 20kg/bao. Gi CIF Cng Si Gn = 1.4USD/kg Incoterms 2000. Tnh tri gi bo him ca l hng trn?

29/10/2012

73

Khi d hng ra khi tu, bin bn gim inh c ghi 1. 10 bao bi rch bao b, gim trng lng 50% (10 bao MTR-79) 2. 20 bao bi ngm nc bin, h hng ton b (20 bao MTR-80) 3. 10 bao bi ri xung bin khi d hng ra khi tu (10 bao MTR-79) 4. 15 bao bi mt cp (15 bao MTR-80) 5. 25 bao bi chy h hng ton b (10 bao MTR-79, 15 bao MTR-80)
Tnh s tin i bi thng. Bit rng chi ph gim inh tn tht l 200USD

Mt l hng 20 kin gp s c thuc phm vi bo him lm 8 kin b hng, t l gim gi thng mi l 70%. Bit s tin ba him ca hng ha /gi tr bo him(hng ha) = 90.000 USD/100.000 USD.

1/ n gi ca mt kin hng trn l : A.4.500 USD B. 4.000 USD C. 10.000 USD D. 5.000 USD 2/ Tng gi tr tn tht ca l hng ha trn l : A. 28.000 USD B. 70.000 USD C. 36.000 USD D. 56.000 USD 3/ S tin bi thng cho gi tr tn tht ca l hng trn l : A.28.000 USD B. 25.200 USD C. 22.500 USD D. 26.000 USD