PICC Joint Cargo China Cargo Alliance cheat liability insurance products launched

     April 2006, Ningbo logistics company lost a car in a fountain, the value of nearly 6 million; July Gansu Linze a car lost a picking station ferrosilicon, worth 16 million; August Xianning lost a car in a picking station cotton yarn, worth 41 million ... ....

According to statistics, the country lost 300 cars per month over the goods, causing economic losses of more than several hundred million dollars, the fraud involved in many picking station in economic disputes with the owner, or even losses to the owner compensation for lost goods. Why lie to the national logistics market, frequent occurrences of the goods it? According to our goods cheat the country since 3800 detailed investigation of the incident, obtained the following answer:

(1) crime, low cost, high economic returns. The driver of a car carrier or even several hundred thousand dollars worth of goods over one million RMB, vehicle owners, drivers spend hundreds of dollars if a set of forged documents, fraudulent goods, the owner of crime than bank robbery more than low cost.

(2) fake ID, fake documents Nanbian, the public security department can not solve the case: As the criminals using false identities, police departments do not know the country which more than 200 cities at prefectural level city to find the suspect, thus increasing detection difficult.

(3) high cost of remote detection and hinder the public security authorities solve the case. After the goods lie, need to go through (a) the local public security department filing, (b) solve the case the public security department arrested the driver home the suspect, (c) the local public security department to the public security department to withdraw the driver home the suspect to a local trial, (d ) four steps of local courts, which solve the case during the public security departments to off-site costs and economic costs of such trials often require the owner (picking station) commitment.

(4) crime and robbery, the same amount of light penalties than criminal. Criminal penalties for cheating goods is up to 10 years in prison, and rob the bank is often a capital offense.

Is deception for decades against the goods which the healthy development of China's logistics market, there is no solution to the ills it? Way there is. The state of such events very seriously, in the October 11, 2006 the Chinese Communist Party Central Committee adopted at the sixth plenary session, "Building a harmonious socialist society CPC Central Committee on Some Major Issues" that " Some members of society, lack of integrity, moral anomie, "has brought a lot of harm, the relevant departments must" strengthen the integrity of government, business integrity, social integrity, and enhance awareness of the whole society honest and trustworthy. "

In response to the party and the national call to China Cargo Alliance bold exploration, knowledge of cross-disciplinary cross-sectoral cooperation in innovation and business operations, and the Chinese People's Insurance Company of cooperation in the first to introduce 'car load loss (cheat goods) liability insurance products' (referred to as "cheating cargo insurance") to strengthen China's logistics market, business integrity and social integrity of the building.

Cheat insurance underwriting risk cargo that is specific about the period of insurance, the insured owner to accept delivery of the goods entrusted to the accepted way of delivery receipt by the recipient before the occurrence of the missing goods vehicle logistics, while carriage of the insured vehicle and through the whole Car drivers also had proven unexplained disappearances (simply, "the goods to pull run"), resulting in the loss of customers, in accordance with the laws of China shall be borne by the insured goods to the customer financial liability, the insurer accordance with the contract to pay compensation. Cheated by buying goods insurance, logistics companies to picking the daily production and management can be the biggest risk - the loss lie smooth cargo onto the insurance company wants to reduce business risk and sound business purpose; more important is that this lie cargo insurance products not only help the logistics companies picking goods cheat the risk of loss transfer stations, and can increase the rationing income! Income achieved primarily through the following areas:

1) The owner of the trust made to increase supply: cheat goods purchased insurance, not only strengthened the confidence of customers to continue shipping, and many of the original delivery of the cargo terminal at the other owner of the goods that lie to secure insurance coverage unit shipments, shippers are have changed, but so to stop shipments of these goods.

2) to expand the source of cars to achieve income: the goods, thanks to cheat insurance for protection, both spiritual and financial more comfortable, you can rest assured that use of the field of vehicles, many vehicles used in picking stations are not introduced to a fool cargo insurance protection picking stations, the expansion of the car source income doubled.

3) the implementation of brand awareness, increase market competitiveness: cheat goods purchased insurance, the use of the Chinese People's Insurance Company of the brand positive publicity in the local market, the development owner customers to increase supply.

Lie goods belong to moral hazard, in the traditional insurance theory that insurance companies should avoid moral hazard, namely the traditional theory of moral hazard is not required security risk. Therefore, the logistics management system to run integrity based on market needs and the insurance company is working closely to establish an effective risk management system, will not be insurable risk into insurable risks, and the rates determined by actuarial risk posed new challenges . We believe that the risk will lie to the goods on the domestic road transport market has played an active role in the construction of credit system, I hope all the friends concerned about the logistics of our development!