| Source | Target | | 商品の引渡しまたは船積みもしくは役務の提供後、請求書記載の支払期日までの期間 | The period after delivery or shipment of goods or after rendering of services at the expiry of which invoices are due to be paid; |
| 商品の引渡しもしくは船積みまたは役務の提供以前に 買主が倒産するという信用危険。または、商品製造や 役務提供を妨げる非常危険 | The commercial risk of insolvency of a buyer before delivery or shipment of the goods or performance of a service, and/or the political risk of any interruption of the manufacturing of the goods or performance of a service. |
| 商品の船積み後や役務の提供後に発生する代金不払 い危険 | Risk of non-payment arising after the delivery of shipment of the goods or completion of the performance of services. |
| 商用以外の目的で商品を購入したりサービスを享受 する者 | A person who buys goods or services for a purpose other than the purpose of his professional activity. |
| 国家が取引の履行を妨げるという危険 買主がその所在国で支払った金銭を国家が被保険 者の所在国に送金しないという危険 | the risk that a country remains in default to transfer to the country of the insured the moneys paid by buyers domiciled in that country. |
| 売主が代金全額を受領するまでは売主は商品の所有 権を留保するという売買契約上の条件 | Condition in a sales contract which reserves the right of product ownership to the seller until the seller has received full payment. |
| 売買契約にて合意された原決済期間の延長を認める こと | Granting of a credit term longer than originally agreed upon in the sales contract. |
| 売買契約に規定された場所で売買契約に規定された 条件どおりに買主またはその代理人が商品を利用で きる状態におくこと | Making the goods available to the buyer or any person acting on his behalf at the place and on the terms specified in the sales contract. |
| 外国所在買主への販売にかかる信用危険を担保する 保険 | Insurance of credit risk related to the sale of goods to buyers in another country |
| 夫々の事故において被保険者の負担として損害額か ら控除されるべき金額 | Amount to be deducted from each claim payment to be kept for the account of the insured. |
| 契約条件の書面による提示であり将来保険者からの 変更が可能なもの | An insurer's written offer of policy terms and conditions, subject to change by the insurer. |
| 引き渡された商品や提供された役務の支払のため に被保険者が買主に与える期間 | the period of time provided by the insured to the buyer for repayment of delivered goods or services. |
| 引受限度額の解約や保険期間満了後においても、そ れ以前に保険責任の開始したものについては保険対 象債務の履行または保険事故の発生まで保険責任が 存続すること | Continuation of cover of risks which commenced before withdrawal of a credit limit or the expiry of a policy until payment or until the occurrence of a covered cause of loss. |
| 当該保険契約における損害率に応じて保険料の減額 として被保険者に供与される一定金額や一定割合 | An amount or percentage provided to the insured as a reduction of premium owed, depending on the claims ratio of the policy. |
| 損害の防止もしくは最小化または買主からの回収にお いて発生する費用 | The costs incurred in preventing or minimising the loss or for in collection the amount owing by the buyer. |
| 損害率と経費率を合算したもの | the sum of claims ratio and underwriting expense ratio |
| 損害額に対する保険金の割合 | The percentage of each insured loss that is indemnified by the insurer. |
| 損害額に対する保険金の割合」 | The percentage of each insured loss that is indemnified by the insurer. |
| 損害額のうち保険金支払に先立って被保険者により 負担されなければならない金額 | The amount of loss that must be absorbed by the insured prior to indemnification under the policy |
| 支払保険金と付帯費用と信用情報費用を含む引 受経費の合算額を経過保険料と保険料関連収入の合 算額で除したもの | The sum of claims payments, claims expenses and underwriting expenses, including cost for credit information, divided by the sum of earned premium and premium related revenue; |
| 支払期日または調停成立日を起算日とする期間であ り、その期間の満了後に保険金請求を行うことができ、 損害査定が行われる。 | The period, usually starting from the due date of payment or intervention order, after the expiry of which a claim may be submitted and the loss is assessed. |
| 海外の買主が被保険者への支払のために外貨送金を 依頼した日から被保険者が受け取るまでの期間 | The period of time between when a foreign buyer applies for foreign exchange to repay its obligation to an insured and when the insured receives the fund |
| 特別目的会社によって投資家に販売され特別目的会 社に売られた債務（資産）によって担保されたコマーシ ャルペーパー（証券）を通じて企業が行う資本市場か らの資金調達 | Financing of companies by the capital market through commercial papers (securities), sold by a Special Purpose Vehicle to investors, backed by the debts (assets) sold to a Special Purpose. |
| 特定の国にかかる債務を引き受けるに際し保険者が 課す条件 | Terms of coverage imposed by the insurer for its acceptance of cover on (buyers in) a particular country |
| 特定の国について保険者が特に認めた総支払限度額 | The maximum exposure specifically approved or otherwise authorised by the insurer in respect of a particular country |
| 特定の買主が被保険者に対して負う債務のうち保険 契約の担保するもの | An obligation owing from a specific buyer to the insured and falling within the scope of the insurance contract |
| 用語集 | The Catalogue of Terminology |
| 申告された売上高や未決済残高にかかわりなく一定 の期間に対し支払われるべく合意された保険料の最 低金額 | Agreed minimum amount of premium to be paid per specified period regardless of the volume of declared turnover of outstanding balances |
| 私的買主の信用状況や財務状況が、非常危険として 定義される事項に因らずに悪化する危険であり、その 結果、買主の支払不能または破産が発生する。 | The risk of a deterioration in the financial situation or creditworthiness of a private buyer, resulting in payment default by or the insolvency of the buyer, not caused by circumstances or occurrences defined as political risk. |
| 第三者への販売または商品の使用後に売主に代金を 支払う義務を負いつつ受託者が商品を占有すること | Possession of goods by a consignee with the obligation to pay the supplier after the sale to a third party or when using the goods. |
| 船積日ベースで担保責任が発生する保険契約であり、 船積日が保険期間内にあることが損害担保の要件と される保険契約 （参照）請求ベース保険契約および事故発生ベース 保険契約 | A policy under which cover attaches based on shipment dates and where the shipment date (but not necessarily the loss) must occur within the policy period. |
| 被保険者、買主、保証人または政府による管理を超越 した自然力の出現 | Manifestation of a natural force that is beyond the control of the insured, buyer, guarantor or government. |
| 被保険者からの保険金請求に、以下の事由を理由とし て応じない旨の保険者の決定 | The decision of the insurer not to accept a specific claim made by the insured due to |
| 被保険者から申し込まれた与信限度額の一部のみを 引受ける趣旨のアンダーライターの決定 | Decision of an underwriter to not fully grant the credit limit amount applied for by the insured |
| 被保険者から買主への与信の保全のために買主また は買主のために第三者が差し入れる資産または権利も しくは保証 | Assets, rights or guarantees pledged as security by the buyer or by a third party on behalf of the buyer for the extension of credit by the insured to the buyer. |
| 被保険者が商品を販売しあるいはサービスを提供す る相手方たる商人 | The business entity to which an insured sells its goods or services |
| 被保険者が被った損害に対する保険者によって填補 されず被保険者が自己負担しなければならない割合 | The percentage of each insured loss that is not indemnified by the insurer and that the insured has to bear for its own account. |
| 被保険者とともに保険を購入し、特定の責任と義務を 負担する者 | A party, which together with the insured, purchases the insurance policy and assumes specified responsibilities and obligations. |
| 被保険者との取引実績のない買主について与信限度 額設定より前に開始する危険のために保険カバーを 提供する旨の保険契約上の規定 | Policy feature that provides cover for risks commencing before a credit limit has been established, for buyers with whom the insured has not traded before. |
| 被保険者と同一国内に所在する買主との間の取引 | Transactions with buyers domiciled in the same country as the insured. |
| 被保険者と買主との取引であって、決済期間が１年か ら３年乃至５年で、通常、支払が頭金と均等分割払い から構成されるもの | Transactions under which the insured provides the buyer with a credit period between 1 and 3 to 5 years in length, usually characterised by a down payment and equal instalments of payment. |
| 被保険者と買主との取引であって、決済期間が２年以 内のもの | Transactions under which the insured provides the buyer with a credit period up to two years. |
| 被保険者によって船積みされた商品の受領を買主が 拒絶すること | Refusal or failure of the buyer to take possession of products shipped by the insured. |
| 被保険者による義務違反 | a breach of obligation by the insured; |
| 被保険者のいわゆる焼け太りを防ぐ | avoid overcompensation to the insured |
| 被保険者の全売上をカバーする信用保険（個別保険 に対する用語） | A credit insurance policy that covers the insured's total credit sales (as opposed to Key buyer cover and Single risk cover). |
| 被保険者の売上高全体を担保する保険（反対語： 個別保険） | Insurance of the entire sales turnover of the insured (opp. Single risk cover); |
| 被保険者の最大級の買主のみを担保する契約（全売 上担保契約や個別契約担保契約に対する概念） | (Cover for) the insured's largest buyers only (as opposed to whole turnover cover or single risk cover). |
| 被保険者の被った損害のうち一定金額を超過する金 額を担保する保険またはカバーもしくは保証 | Insurance, cover or indemnification in excess of an amount of first loss to be borne by the insured. |
| 被保険者の販売先およびサービス提供先のうち | The business entity to which an insured sells its goods or services and that is: |
| 被保険者の販売先およびサービス提供先のうち | The entity to which an insured sells its goods or services and that is: |
| 被保険者や買主の所在する国以外の国にかかる経済 的危険や政治的危険。通常、その国から船積みが行わ れたり、その国に商品が仕向けられたり役務が提供さ れる。 | Exposure to economic an political risks in a country other than the country of the insured or the buyer, usually a country through which shipments may pass or where the goods are to be delivered, or the services to be performed. |
| 複数の保険者がその共同の顧客のために引き受ける 保険 | Insurance offered by more than one insurer for their combined account |
| 請求の基礎となる危険がその保険契約上非対象で あること | the underlying risk being outside the scope of coverage under the respective policy |
| 請求書に対し買主が支払義務を履行しない危険 | The risk that a buyer will default on its obligation to pay an invoice |
| 買主から回収を行うことができる | possibly recover the indemnified amount from the buyer |
| 買主が商品や役務の代金を請求書上の期限までに支 払わないこと。これは、倒産やいわゆるチャプター イ レブン（被保険者の保険によって担保されているその 他の買主による代金不払い）と同様、信用保険事故事 由たりうる。 | Failure by a buyer to make payment for delivered goods or services by the due date specified in the invoice or sales contract. A default is an event that could lead to a loss for the credit insurer such as bankruptcy, Chapter 11 or any other failure to pay of the buyer which is covered under the insured's policy. |
| 買主が売買契約または請求書に基づき支払を行わな ければならない期限 | Date by which the buyer must pay its debt according to the sales contract or invoice. |
| 買主が契約上の（支払）債務を履行しないこと。これ は、保険契約上担保される破産や民事再生（または、 買主によるその他の支払不能）などの信用保険者にと っての損害となりうるものである。 | Failure of the buyer to meet his contractual (payment) obligations. A default is an event that can lead to a loss for the credit insurer, such as bankruptcy, Chapter 11 or any other failure to pay of the buyer which is covered under the insured's policy. |
| 買主が決済期日や延長された決済期日を起算日とす る予め定められた期間内に契約上の債務を履行しな いこと | Failure by a buyer to pay the contractual debt within a pre-defined period calculated from the due date of the debt. |
