Seguro de Crédito a la Exportación:

Presentación del tema: "Seguro de Crédito a la Exportación:"— Transcripción de la presentación:

1 Seguro de Crédito a la Exportación:
La experiencia con el sector exportador de Colombia Septiembre de 2003 Juan Pablo Luque Presidente de Segurexpo, Colombia

2 EL RIESGO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

3 EL TRATAMIENTO DE LOS INCUMPLIMIENTOS DE PAGO
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

4 EL TRATAMIENTO DE LOS INCUMPLIMIENTOS DE PAGO
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

5 EL TRATAMIENTO DE LOS INCUMPLIMIENTOS DE PAGO
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

6 EL TRATAMIENTO DE LOS INCUMPLIMIENTOS DE PAGO
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

7 EN EL AMBITO DE LOS ESTADOS
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

8 INSOLVENCIA Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

9 SEGURO DE CREDITO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

10 SEGURO DE CREDITO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

11 EL SEGURO DE CREDITO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

12 EL SEGURO DE CREDITO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

13 EL SEGURO DE CREDITO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

14 EN EL COMERCIO EXTERIOR
EL CREDITO EN EL COMERCIO EXTERIOR PERMITE EL CRECIMIENTO DE LAS VENTAS. -EL SEGURO DE CREDITO PERMITE LA ADMINISTRACION Y GESTION DEL RIESGO DE CREDITO. -EL CREDITO COMERCIAL VARIA DE PAIS EN PAIS Y SECTOR, USUALMENTE ENTRE 30 Y 180 DIAS. EL RIESGO DE NO - PAGO, SE PUEDE TRASLADAR AL SEGURO DE CREDITO A LA EXPORTACION, MEDIANTE EL PAGO DE UNA PRIMA DE RIESGO QUE COBRA EL ASEGURADOR. In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

15 EN EL COMERCIO EXTERIOR
EL SEGURO CUBRE EN CASO DE IMPAGO (DEFAULT), DESPUES DE UN PERIODO DE ESPERA, (NORMALMENTE SEIS MESES), EL MONTO DEL CREDITO MENOS EL DEDUCIBLE ( 10% ó 15% ). EL ASEGURADOR DE CREDITO, SE CONCENTRA PRINCIPALMENTE EN EL ANALISIS DEL RIESGO DE INSOLVENCIA ( CREDITO COMERCIAL ) Y EL RIESGO DEL PAIS DEL DEUDOR ( RIESGO POLITICO ). LA INFORMACION Y LAS BASES DE DATOS, SON LA HERRAMIENTA PRINCIPAL PARA EL PROCESO DE SUSCRIPCION DE RIESGOS ( UNDERWRITING ). In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

16 EN EL COMERCIO EXTERIOR
EL ASEGURADOR DE CREDITO INDEMNIZA LAS PERDIDAS (IMPAGOS) A SUS ASEGURADOS, PARA LO CUAL REQUIERE DE UNA ORGANIZACIÓN, ESTRUCTURA DE CAPITAL Y RESPALDO DEL REASEGURO, QUE MEDIANTE UN CIERTO VOLUMEN DE PRIMAS, LE PERMITA ASUMIR LOS RIESGOS Y PAGAR SUS COSTES (COMISION DE BROKERS / AGENTES, GASTOS ADMINISTRATIVOS) BUSCANDO OBTENER UNA RENTABILIDAD. EL PRECIO DE LA PRIMA VARIA SEGÚN EL PLAZO DEL CREDITO, EL PRODUCTO Y EL PAIS DESTINO DE LAS EXPORTACIONES. In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

17 EN EL COMERCIO EXTERIOR
EL SEGURO DE CREDITO TIENE UN IMPORTANTE DESARROLLO EN EUROPA. SE CONSIDERA QUE UN 40% DEL BALANCE DE LAS EMPRESAS LO CONSTITUYEN LAS CUENTAS POR COBRAR Y UN 25% DE LAS QUIEBRAS DE COMPAÑIAS EUROPEAS SE LE ATRIBUYE AL NO PAGO DE SUS CLIENTES. ES EVIDENTE LA IMPORTANCIA DEL SEGURODE CREDITO COMO PROTECCION DEL PRINCIPAL ACTIVO DE LAS EMPRESAS : LA CARTERA. In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

18 SEGURO DE CREDITO A LA EXPORTACION
VENTAS ADICIONALES PARA COMPENSAR IMPAGOS In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

19 SEGURO DE CREDITO In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

20 Fuente : JEN – PAUL GASON
EL RIESGO POLITICO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America. Fuente : JEN – PAUL GASON Gerling - Namur

21 EL RIESGO POLITICO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

22 EL RIESGO POLITICO TIPOS DE ENTIDADES
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

23 EL RIESGO POLITICO EN ESPAÑA
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

24 EL RIESGO POLITICO EN ESPAÑA
Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

25 EL RIESGO POLITICO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

26 EL RIESGO POLITICO EN CESCE
EVALUACION DEL RIESGO POLITICO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

27 EL RIESGO POLITICO Colombia has never experienced hyperinflation. The highest inflation rate that the Colombian economy had in recent years was in 1990 when it reached 32.4%. The country’s general economic stability explains the notable inflation performance compared to other Latin American countries. While the average for Latin America in the decade of the 80s was more than 200%, in Colombia it was only 23%. Likewise, the constitutional reform of 1991 gave the Colombian Central Bank the independence to carry out price-control policies. As a result of this, there has been a downward trend since 1991 from 26.8% to 9.2% in 1999, the first time that inflation goes below 10% since the early 70s. In terms of inflation rate volatility covering the ten-year period ( ), Colombia has the lowest outperforming the major economies in Latin America.

28 SEGURO DE CREDITO A LA EXPORTACION
SEGURO DE CREDITO A LA EXPORTACION Country GDP Export Import Internationalisation Rating S& P Argentina 79 28 8,7 46% Default Brazil 468 70 63 28% B+ Chile 64 18,3 17,1 55% A- Colombia 81 12,3 11,8 30% BB Ecuador 20 5,1 6 50% CCC+ Guatemala 24,4 2,3 5,8 31% Mexico 650 162 171 51% BBB- Panama 11,5 7,2 8,5 136% Peru 57 7,7 7,4 27%, BB- Venezuela 100 28,6 16,5 45% In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000. NB: Internalisation = Export+Import/GDP

29 QUIENES SOMOS SEGUREXPO DE COLOMBIA es una compañía de Seguros especializada en cubrir el riesgo de no pago de sus ventas en el mercado local e internacional. Así mismo obtuvimos aprobación de la Superintendencia Bancaria para operar el ramo de Cumplimiento.

30 NUESTROS ACCIONISTAS 48.77 % 48.77% 2.46 % CONSORCIO INTERNACIONAL DE
ASEGURADORES DE CREDITO 48.77 % BANCO DE COMERCIO EXTERIOR DE COLOMBIA S . A BANCOLDEX 48.77% O T R O S 2.46 %

31 Sociedad holding formada por CESCE (40%), SCH (20,25%), BBVA (20,25%), MÜNCHENER RÜCK (19,5%)
Socios de primer nivel, relacionados con nuestro negocio y con importante presencia en Latinoamérica

32 CESCE (España, Francia y Portugal La Mundial (Venezuela)
NUESTRA PRESENCIA EN EL MUNDO CESCE (España, Francia y Portugal La Mundial (Venezuela) Segurexpo (Colombia) Secrex (Perú) Aurea (Brasil)

33

34 NUESTROS REASEGURADORES
MÜNCHENER RÜCKVERSICHERUNGS SWISS RE AXA RE HANNOVER PARTNER RE GERLING GLOBAL CONVERIUM SCOR SOCIETÉ COMMERCIAL DE REASSURANCE

35 NUESTROS PRODUCTOS SEGURO DE CREDITO POLIZA MULTIMERCADO SEGURO DE CUMPLIMIENTO

36 SEGURO DE CREDITO - POLIZA MULTIMERCADO
OBJETIVO CUBRIR AL ASEGURADO EL NO PAGO POR SUS VENTAS DE BIENES O SERVICIOS REALIZADOS BAJO LA MODALIDAD DE CRÉDITO DIRECTO, ES DECIR BAJO SU PROPIO RIESGO SIN CONTAR CON OTRO TIPO DE GARANTÍA DE PAGO.

37 COBERTURA SEGURO DE CREDITO - POLIZA MULTIMERCADO
Además cubre los gastos pagados por el Asegurado y aceptados por Segurexpo, con el fin de aminorar o evitar la pérdida

38 VENTAS EN RÉGIMEN DE CONSIGNACIÓN DEUDORES ANÓNIMOS
SEGURO DE CREDITO - POLIZA MULTIMERCADO COBERTURA - PRINCIPALES ANEXOS VENTAS EN RÉGIMEN DE CONSIGNACIÓN DEUDORES ANÓNIMOS INCLUSION DE VENTAS REALIZADAS POR FILIALES EN COLOMBIA U OTRO PAIS COBERTURA DE PRE-EMBARQUE

39 PROCESO OPERATIVO SEGURO DE CREDITO - POLIZA MULTIMERCADO
Formulario de Solicitud Segurexpo presenta oferta El Asegurado paga la prima y los estudios Aceptación de la Oferta Expedición Póliza Declarar ventas Notificar AFP Inicio de Evaluación de Compradores Operatividad de la póliza Prorrogas Cumplir garantías

40 Configuración del Siniestro Vencimiento de la Obligación
SEGURO DE CREDITO - POLIZA MULTIMERCADO PROCESO DE INDEMNIZACION AVISO DE FALTA DE PAGO Configuración del Siniestro RECLAMACION Vencimiento de la Obligación MESES 1 2 3 4 5 6 7 8 Gestiones Comerciales Gestiones Judiciales de Cobro

41 BENEFICIOS DESARROLLO SELECTIVO DE SU CARTERA
SEGURO DE CREDITO - POLIZA MULTIMERCADO BENEFICIOS DESARROLLO SELECTIVO DE SU CARTERA El poder de la Información MEDICION Y CONTROL PERMANENTE DEL RIESGO Sistemas de Información Negativa ASESORAMIENTO SOBRE PAISES DE DESTINO Especialización en el análisis del riesgo país GESTION DEL RIESGO CREDITICIO Una Organización dedicada al Riesgo de Crédito

42 BENEFICIOS Nuestro Negocio, Tomar Riesgos Una Cuestión de Confianza
SEGURO DE CREDITO - POLIZA MULTIMERCADO BENEFICIOS TRANSFERENCIA DE RIESGOS Nuestro Negocio, Tomar Riesgos PROTECCION DE LA RELACION COMERCIAL Una Cuestión de Confianza GESTION DE COBRO DE LOS CREDITOS Eficaz Protección de sus Intereses

43 Las ventas por país para Segurexpo han estado concentradas
tradicionalmente en los países de Venezuela, Perú, Estados Unidos, Ecuador, etc., como se aprecia en la siguiente gráfica. EXPORTACION POR PAIS ( MILES DE DOLARES ) 2001 In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000. 2000

44

45 EXPOSICION PRINCIPALES SECTORES - 2003
EXPORTACION EXPOSICION PRINCIPALES SECTORES

46 EXPOSICION PRINCIPALES SECTORES - 2003
EXPORTACION EXPOSICION PRINCIPALES SECTORES %

47 PRIMAS EMITIDAS POR LINEA DE NEGOCIO
MILES DE MILLONES DE PESOS 8.2 7.5 5.9 4.3 3.9 4.0 2.4 2.2 In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000. 2.1 1.9 1.9 2.1 1.9 1.6 1.4 1.2 0.9 1.0 0.6 0.3

48 COMPARATIVO PRIMAS VS SINIESTROS
MILLONES DE PESOS In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

49 EXPORTACION SINIESTROS PAGADOS 2002 2001 2000 DOLARES
In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000. 2002 2001 2000

50 CREDITO INTERNO SINIESTROS PAGADOS 2002 2001 2000 MILES PESOS
In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000. 2002 2001 2000

51 TOTAL SINIESTROS PAGADOS
CREDITO INTERNO MILES PESOS TOTAL SINIESTROS PAGADOS In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

52 EXPORTACION In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

53 SINIESTROS VS RECUPERACIONES A AGOSTO
MILES DE PESOS SINIESTROS VS RECUPERACIONES A AGOSTO In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

54 SINIESTROS PAGADOS A AGOSTO 2003
MILLONES DE PESOS In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

55 In terms of population, Colombia ranks third in Latin America after Brazil and Mexico. The current population of 42 million, which accounts for 8% of the region’s inhabitants, is estimated to expand to 46 million by the year Unlike other Latin American countries, Colombia’s urban population is not only concentrated in the country’s capital but is widely distributed among various cities. Bogota, the capital, has approximately 6.4 million inhabitants or 15% of the total. The other cities that follow are Cali and Medellin, with nearly 2 million each, and Barranquilla with over a million people. These four cities combined account for about 30% of the total. Colombia is a country of young people. In fact, almost 90% are under the age of 50. Also, there has been a significant shift in the distribution in favor of urban areas over the last thirty years, which witnessed a large increase from 57% of the total population in 1970 to 71% in 2000.

56

57 Informa es una empresa dedicada a suministrar información económica y financiera de empresas y empresarios nacionales y del exterior, para aumentar el conocimiento de clientes y proveedores y minimizar el riesgo comercial. Fuentes de información: Cámaras de Comercio, Superintendecia de sociedades, Superintendencia de Valores, Prensa nacional y regional, Investigaciones ad hoc y Publicaciones diversas.

58 INFORMACIÓN INTERNACIONAL:
Información de Europa, Asia, Africa y Oceanía, a través de Informa (España) Miembro de: Eurogate, InfoAlliance (Organizaciones internacionales de Agencias de Información). Convenios con las principales agencias de información en América

59 UTILIDADES DE LA INFORMACIÓN
Clasificar nuevos clientes Mejorar el conocimiento de sus clientes habituales Estudiar niveles de crédito y plazos de pago Averiguar el potencial de compra de sus clientes Estudiar su posicionamiento frente a la competencia Conocer a sus proveedores Valorar a sus prospectos

60 GRUPO INFORMA

61 40% 60% 7,4% 50,7% 45 % 10 % 10 % 25 % 100% 50% 39,4 % 45 % 50% 40 % 7 % 75 % 34 %