Pojišťování vývozních úvěrových rizik

The object of the insurance of export credits risks, endangering the claims settlement in behalf of foreign debtor can be territorial (political) or commercial risks. Territorial risks, endangering maturity of a foreign claim of exporter and restricting the rate of return on foreign investment result from the political, financial and macro-economic situation of the country of foreign debtor, let us say in the third country and have on the part of customers nature of the act of Providence. By contrast the commercial risks flow from economic and financial situation of the foreign buyer. It deals whit situations that are influence of the buyer (nonpayment in consequence of the financial insolvency or late payment). Especially insurance of the territorial risks is often realized with state assistance, whereas often emerging views, that this assistance endangers the implementation of the free competition principle in the international trade. So as not come to deformation of the competitive environment in the international trade, function in the OECD framework „Arrangement on Officially Supported Export Credits“, so-called Consensus. This Arrangement presents the single system of the risk assessment of single countries and their subjects and unit system of creation and rules of the exercitation of minimum insurance rate, that are the single export credit insurance company obligate apply and this Arrangement creates sufficient expectations to equivalence of conditions to all of subjects in the international trade.