民國114年 第2梯次 延期考區 國貿業務乙級 學科
第72題
Which of the following statements are true concerning export credit insurance (E…
題目
Which of the following statements are true concerning export credit insurance (ECI) ?
- (1) ECI covers certain political risks such as war, terrorism, riots, and revolution that could result in non - payment.
- (2) ECI covers physical loss or damage to the goods shipped to the buyer.
- (3) Even creditworthy buyers could default on payment due to circumstances beyond their control.
- (4) ECI allows exporters to offer competitive open account terms to foreign buyers whi le minimizing the risk of non-payment.
官方答案
(1) ECI covers certain political risks such as war, terrorism, riots, and revolution that could result in non - payment.、(3) Even creditworthy buyers could default on payment due to circumstances beyond their control.、(4) ECI allows exporters to offer competitive open account terms to foreign buyers whi le minimizing the risk of non-payment.
解析
選項1正確：出口信用保險核心功能即包含政治風險（戰爭、恐攻、暴動、革命）導致無法收匯。選項2錯誤：貨物實體損失屬「貨運保險」範疇，ECI僅承保買方不付款的信用風險。選項3正確：即使買方信用良好，仍可能因不可抗力、政府管制等外部因素拖欠貨款。選項4正確：有ECI保障，出口商敢於提供O/A、D/P等寬鬆付款條件搶單，同時將壞帳風險轉嫁保險公司。
AI 參考解析（推得答案已與官方答案比對一致），非官方公告內容，僅供備考參考。