WULIUYUNSHUQIYEZAIJINGYINGGUOCHENGZHONG,JINGCHANGYUDAOZHEIYANGDEWENTI:GENJUKEHUDEWEITUOYUNSHUDAZONGHUOWU,YUNSHUHETONGZHONGYUEDINGYUNSHUGUOCHENGZHONGYINCHENGYUNRENYUANYINZAOCHENGHUOCHAHUOSUNDE,YOUCHENGYUNRENFUPEICHANGZEREN。WULIUYUNSHUQIYEYINCIXUYAOGOUMAIBAOXIANLAIJIANGDIHUOZHUANYIWEILAIKENENGFASHENGDEZERENFENGXIAN。MUQIAN,BAOXIANSHICHANGSHANGJIUHUOWUYUNSHUFANGMIANDEBAOXIANCHANPINZHUYAOYOUHUOWUYUNSHUBAOXIANHEWULIUZERENBAOXIAN,ERZHEZAIBAOXIANFANWEI、BAOXIANLIYI、KEFOUZHUICHANGDENGFANGMIANJUYOUXIANZHUBUTONG。ZAIWOMENZUOYEWUDEGUOCHENGZHONGJINGCHANGBEIWENJIHUOYUNZONGHEXIANHEWULIUZERENXIANYOUHEQUBIE?YINWEIDUIYUWULIUYUNSHUQIYEERYAN,BUSHENXUANCUOBAOXIANCHANPINBUJINYIWEIZHEBAOFEIDALESHUIPIAO,HAIYAOMIANLINYINHUOSUNWUFALIPEIHUOBUZUELIPEIZAOCHENGDEJINGYINGFENGXIANHECHENGBENDEZENGJIA。ZHELIYUWEIWULIUYUNSHUQIYEBIANBIEHUOYUNXIANHEZERENXIAN,BENWENJIANGDUIZHEILIANGGEXIANZHONGJINXINGBIJIAOFENXI,BINGZHENDUIBUTONGDETOUBAORENJICHUTOUBAOJIANYI。
一、定义上的不同
HUOWUYUNSHUXIANJIANCHENGHUOYUNXIAN,SHIZHIYIGEZHONGYUNSHUGONGJUYUNSHUGUOCHENGZHONGDEHUOWUZUOWEIBAOXIANBIAODE,BAOXIANRENCHENGBAOYINZIRANZAIHAIHUOYIWAISHIGUDAOZHIYUNSHUGUOCHENGZHONGDEHUOWUZAOSHOUSUNSHIDEYIZHONGBAOXIAN。
WULIUZERENXIAN(YEJIAOCHENGYUNRENZERENXIAN)SHIZHIYICHENGYUNRENZAIJINGYINGYEWUDEGUOCHENGZHONGYIFAHUOYIQIYUEYINGDUIHUOZHUCHENGDANDEJINGJIPEICHANGZERENWEIBAOXIANBIAODEDEBAOXIAN。TASHIYIBEIBAOXIANRENYIFAHUOYIQIYUEYINGDUIDISANZHECHENGDANDEJINGJIPEICHANGZERENWEIBAOXIANBIAODEDEYIZHONGBAOXIAN。
KEJIANHUOYUNXIANDEBAOXIANBIAODESHIHUOZHUDEHUOWU,ERWULIUZERENXIANDEBAOXIANBIAODESHIWULIUYUNSHUQIYEDUIYUHUOWUSUNSHIYINGCHENGDANDEFALVZEREN。HUOYUNXIANSHUYUCHUANTONGDECAICHANBAOXIANDEFANCHOU,ERWULIUZERENXIANSHUYUGENGJIAXIANDAI、GENGJIAZHUANYEDEZERENBAOXIANDEFANCHOU。
二、保险费计算上的不同
YOUYUHUOWUYUNSHUXIANDEBAOXIANBIAODESHIHUOWU,BAOXIANFEIYUHUOWUDEJIAZHIXIANGGUAN。HUOZHUHUIYIJUHUOWUJIAZHIQUEDINGBAOXIANJINE,QIBAOXIANFEISHIYIHUOWUJIAZHIDEYIDINGBILILAIJISUANDE。ZHEIGEBILIJIAOZUOBAOXIANFEILV。GONGSHIRUXIA:
货运险保险费 = 保险金额x保险费率
例如:货物价值1亿元,保险费率0.06%,则保险费为6万元。
WULIUZERENXIANDEBAOXIANBIAODESHIWULIUYUNSHUQIYEDEJINGJIPEICHANGZEREN,QIFENGXIANGAODIYUWULIUYUNSHUQIYEDEFAHUOLIANGXIANGGUAN。ERQIYINGYESHOURUJIBENKEYIFANYINGYIJIAWULIUYUNSHUQIYEFAHUOLIANGDEDAXIAO。YINCIWULIUZERENXIANDEBAOXIANFEIANZHAOYUNSHUQIYEYINGYESHOURUDEYIDINGBILILAIJISUANDE。GONGSHIRUXIA:
物流责任险年保费 = 预计年营业收入 x 保险费率
例如:预计全年营业收入为400万元,保险费率1.5%,则保险费为:6万元。
YOUCIKEJIAN,SUIRANHUOYUNXIANDEBAOXIANFEILVDIYUWULIUZERENXIAN,DANSHIHUOYUNXIANDEBAOXIANJINEQUEYUANYUANGAOYUWULIUZERENXIANDEYUJINIANYINGYESHOURU,ZUIZHONGJIEGUOWULIUZERENXIANYIDINGHUIBIHUOYUNXIANGENGBIANYI。YINCIBUNENGDANCHUNYIBAOXIANFEILVLAIZUOBIJIAO。
ERQIEWULIUYUNSHUQIYEZAIYUNSHUGUOCHENGZHONGWANGWANGGENBENBUZHIDAOHUOWUDEJIAZHI,WUFAZUODAOZUEBAOXIAN,DUIBAOZHANGQUANYIZAOCHENGHENDADEFUMIANYINGXIANG。(GUANYUBUZUEBAOXIANDEWENTI,WOMENHUIZAISUIHOUDEWENZHANGZHONGJIXUTANTAO。)
HUOYUNXIANHEZERENXIANDEBIJIAOBIAO