Abstract [Editor's note] The Ministry of Finance, the Ministry of Industry and Information Technology, and the three ministries of the China Insurance Regulatory Commission jointly issued the "Notice on Launching the First (Set) Major Technical Equipment Insurance Compensation Mechanism Pilot Work" and decided to establish the first (set) major technical equipment insurance. Compensation Mechanism. Major technical equipment is off...
[Editor's note] The Ministry of Finance, the Ministry of Industry and Information Technology, and the three ministries of the China Insurance Regulatory Commission jointly issued the "Notice on Launching the First (Set) Major Technical Equipment Insurance Compensation Mechanism Pilot Work" and decided to establish the first (set) major technical equipment insurance compensation. mechanism. Major technical equipment is a strategic product that is related to national security and the lifeline of the national economy, and is an important symbol of the country's core competitiveness. Introducing the insurance compensation mechanism for the transformation of the first (set) major technological equipment innovation results is an important measure to give play to the decisive role of the market mechanism, accelerate the autonomy of major technological equipment, and serve the national innovation-driven development strategy, and promote the high-end transformation of the equipment manufacturing industry and build China. It is important to make an upgrade. The following will explain the questions and concerns of everyone. 
1. How to distinguish the first (set) equipment from the first batch of equipment?
During the business promotion process, customers have questions about the concept of the first (set) equipment and the first batch of equipment. For example, Zhonghao Optoelectronics (Shanghai) Co., Ltd., a manufacturer of LED and MOCVD equipment, sells the products according to the “cavityâ€. The company sells the products to four companies, and the four companies purchase the same products. The number of products purchased is in two chambers and four chambers. The contract between the company and the four companies was signed at different times and the delivery time was different. This form should be insured only in the first three sets (sets) or in the first batch definition. This situation is very common. Many enterprises have similar situations. According to the definition of the first batch in the insurance policy, as long as the user uses the same variety for the first time, the same technical specifications, the same batch of contracts, and the same batch of equipment products. Can be included in the scope of subsidies as the first batch of products.
2. Which first (set) equipment can apply for the first (set) insurance subsidy?
Equipment that applies for the first (set) insurance subsidy must correspond to the equipment (name, specification parameters, technical indicators) listed in the Catalogue. If the Catalogue only lists the complete sets of equipment and does not list the key components, only the complete sets of equipment can apply for the first (set) insurance subsidy; if the Catalogue only lists the key components in the complete set, only Key components can be applied for insurance subsidies.
3. For the determination of the sales contract, is the contract for the previous annual sales, can the products delivered this year be insured? For products sold this year, can the products delivered after two years or three years be insured? How can the insurance period be determined and can it be insured for three years?
The first (set) major technical equipment enterprises mostly adopt "order-based production", and the production cycle is long. For the equipment that meets the requirements of the Catalogue, whether it is the contract of the previous annual sales or the contract delivered after the sale this year, it can be included in the insurance. The scope of the compensation policy. The insurance period is the starting date when it is delivered, and it is allowed to be insured for one year for three years. The three-year premium can be applied for one-time financial subsidy.
4. Are there specific requirements for the “copy of formal contract signed by the first (set) major technical equipment manufacturer and user party†in the requirements for the application materials?
Some enterprises reported that the manufacturer and the user of the first (set) equipment belong to the same group and there are related transactions. Whether such a situation is within the scope of subsidies; some construction machinery companies, such as Sany Heavy Industry and Zoomlion, feedback The contract with the customer is a lease contract. Whether the situation is within the scope of subsidies; for BOT and BT projects, the project company may be an independent legal person, independent financial statements, and different legal representatives. Whether the situation is within the scope of subsidies. The above situations are quite special and are somewhat different from the conventional sales and purchase contracts. From the background of the pilot system, the above-mentioned situation can be submitted to the Ministry of Finance, the Ministry of Industry and Information Technology, and the China Insurance Regulatory Commission for research purposes.
5. How is the scope of the first (set) major technical equipment defined?
According to the Notice of the Insurance Regulatory Commission of the Ministry of Finance and Industry of the Ministry of Finance on Launching the First (Set) Major Technical Equipment Insurance Compensation Mechanism Pilot Work (Cai Jian [2015] No. 19), the first (set) equipment refers to the first use of the user. The first three sets (sets) of equipment products; the first batch of equipment refers to the same variety of users, the same technical specifications, the same batch of contracts, the same batch of equipment products. As long as it is in compliance with the equipment catalogues specified in the Catalogue of the Ministry of Industry and Information Technology, the performance and technical parameters can be directly insured, and the first (set) major technical equipment certification work will not be carried out.
6. Can export equipment apply for the first (set) insurance subsidy?
If the export equipment is in one-to-one correspondence with the equipment (name, specification parameters, technical indicators) listed in the Catalogue, you can apply for the first (set) insurance subsidy.
7. Can a foreign-funded enterprise apply for the first (set) insurance subsidy?
Anyone who has the “Notice on the Pilot Work of the First (Set) Major Technical Equipment Insurance Compensation Mechanism of the Ministry of Finance and Industry and Information Technology of the Ministry of Finance (Cai Jian [2015] No. 19) shall be able to It is required to apply for the first (set) insurance subsidy.
8. Is the loss due to force majeure a claim?
According to industry practices and practices, the insurer's liability exemption is clearly defined in the insurance clause. Equipment damage caused by force majeure such as earthquakes, typhoons, hail, wars, etc. is a scope of exemption.
9. How is the deductible/rate for each accident determined?
The deductible/rate of each accident is determined by the insured and the insurer according to the risk and insurance rate, and is stated in the insurance policy. The deductible/rate is directly related to the premium rate.
10. What insurance companies are currently members of the co-insurance body?
According to the "Guiding Opinions of the China Insurance Regulatory Commission on Launching the First (Set) Major Technical Equipment Insurance Pilot Work", the insurance company that forms the joint insurance body or the insurance company that files the insurance separately with the China Insurance Regulatory Commission can carry out the first (set) insurance business. At present, there are 7 members of the total insurance body, namely China People's Property Insurance Co., Ltd., China Pacific Property Insurance Co., Ltd., China Ping An Property Insurance Co., Ltd., China Dadi Property Insurance Co., Ltd., Tian'an Property Insurance Co., Ltd. , China United Property Insurance Co., Ltd., AVIC UNITA Property Insurance Co., Ltd. The adjustment of the list of members of the joint insurance body will be announced in real time through the official website of the China Insurance Regulatory Commission, the Ministry of Industry and Information Technology and the Ministry of Finance.
11. How to determine the responsibility after the accident?
After the insurance equipment is out of danger, the insurance company generally organizes relevant experts to carry out investigations, and the experts issue a report of responsibility identification. If the insurance company has any objection to the result of the determination, the insurance company and the insurance company may negotiate with each other to entrust a third party to conduct an investigation and determine the responsibility. If the parties still have objections to the determination of liability, they may be settled by arbitration or litigation according to the terms. (To be continued)
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