The domestic PV industry, which is suffering from overcapacity and industry reshuffle, may face a crisis of confidence. On April 16, the reporter was informed that a British buyer suspected that a solar energy company in Zhejiang had a policy fraud and was asking the company to issue the original policy. "The problem has not been fully exposed. Overseas buyers are now suspicious. They are eager to see the original policy from the seller, that is, the domestic PV company." On April 17, Wu Ming (a pseudonym), head of a large insurance brokerage company ) broke the news to reporters. According to him, since the insurance brokerage company provides the product quality insurance certificate issued by the domestic enterprise for a period of 25 years, there is no specific provision, and the insurance policy issued by the insurance company to these PV companies clearly shows the duration of the insurance. It is 1 year with conditional renewal clause. “Once the overseas buyers see the original policy, or the financing bank of the overseas buyer sees the original policy, these PV companies not only face the risk of the product being returned, but also may face the legal risk of being sued for fraud.†Wu Ming is not worried. . A crisis of trust in the quality of PV products is approaching quietly. The suspects are PV products wholesalers and power plant developers from Europe, America, Japan and South Korea, as well as emerging countries such as India and Brazil. The question is about 30 domestic Large and medium-sized PV companies, including companies listed in the US and listed on the domestic main board and GEM, are also questioned by companies that provide insurance brokerage services to these companies. Overseas buyers questioned that on March 31 this year, the reporter received a call from a practitioner in the Shanghai insurance industry, saying that a buyer from the United Kingdom requested a solar energy company listed on the domestic GEM to issue a product quality insurance policy. The original reason was that the UK The contents of the quality assurance order received by the purchaser are inconsistent. After nearly half a month of investigation and evidence collection, the reporter obtained the insurance policy of the insurance company insured by the company and the PDF file of the quality assurance certificate issued by the company. The reporter found through comparison that the content of the certificate and the content of the policy are very different. The quality guarantee book shows that the solar energy company has insured the insurance company for 25 years of quality assurance insurance products. The certificate uses only three sentences in English to outline the solar modules produced by the insurance broker company for the company. The products that have been sold for 5 years can be traced back. In addition, the performance of the product in the first 12 years of the warranty reached 90% of the standard performance and the performance of the product reached 80% of the standard performance within 25 years. In the quality insurance policy issued by the insurance company and including a number of insurance companies, the specified insurance period is only 12 months, and there is also a special agreement for the insurance company, which has provisions to guarantee that the premium will be reached in the current year. After the proportion of the compensation, the policy is automatically terminated, the insurance company can not be held responsible for the future year (usually the situation should be to reach the compensation limit). In addition, insurance brokerage companies are not binding on insurance companies, and insurance companies may not renew their insurance after the expiration of a single year. “A Shanghai property insurance company controlled by the American History Belt Company has also issued such a policy, but it has all stopped now. The reason is that foreign shareholders believe that this type of insurance is too risky and actually does not receive much underwriting profit. The biggest worry for overseas buyers is that China's PV companies are now facing a new round of mergers and acquisitions. If some insured companies fail, they will not be able to compensate or compensate for the components they purchased, but the domestic policies are continuous with PV companies. The premium paid is the basis for renewal. If the enterprise goes bankrupt, it will not be able to pay the remaining premiums. The 25-year guarantee cannot be discussed.†Wu Ming told this reporter. According to the reporter's understanding, the current solar energy companies including overseas listings, domestic motherboards and GEM are all using the quality guarantee issued by the insurance brokerage company. "Yin and Yang policy" suspected of fraud on April 18, the head of a large domestic property insurance company also said in an interview with this newspaper that overseas buyers now question domestic PV manufacturers and want to see the policy, which will make them These domestic sellers and insurance brokers have a crisis of trust, but they have nothing to do with insurance companies. The insurance companies have issued insurance policies with unambiguous deadlines and detailed terms. However, the industry analysts pointed out that the real problem is not only this, why is this insurance brokerage company so bold in the production of "certificates", joint sellers to fraudulent overseas buyers? In fact, the China Insurance Regulatory Commission does not stipulate that an insurance brokerage company can issue a certificate of product quality insurance. Even if it is not expressly prohibited, the certificate should be consistent with the policy. The wording should be as strict as possible to avoid fraud or misleading. In fact, the broker The wording of the company's "certificate" is highly misleading and fraudulent. In addition, more importantly, the annual sales of a PV company may reach billions or even 10 billion yuan. After a problem, the litigation risk that may be faced is also calculated in billions, and the registered capital of an insurance brokerage company is usually only 500. Ten thousand yuan (before the end of 2012, the China Insurance Regulatory Commission required to adjust to 10 million), can not afford the relevant legal responsibilities, which means that once the problem is exposed, the insurance brokerage company can not bear the relevant joint liability even if it is bankrupt. The newspaper found on the website of the Shanghai Insurance Regulatory Bureau that the insurance broker company produced “Yin and Yang policies†for the shipbuilding and cargo insurance business in 2011 (the policy content for the insured and the policy contents entered in the insurance company system) Inconsistent is a kind of fraud, and the supervision department is fined 300,000 yuan (Shanghai Insurance Supervision [2011] No. 4). On April 19th, the reporter learned from the Shanghai insurance industry that in the more active market of more than 100 PV companies, about 30 companies are buying domestic one-year guarantees, only seven. Eight companies purchase long-term policies for 25-year periods directly from overseas institutions. For example, Artes Solar and Jinko Energy directly purchase 25-year irrevocable policies from local insurance companies in the United States. Chint Solar directly to Munich, Germany. Reinsurance purchases of similar products and so on. "China's exports involve high-end products. Most overseas buyers require Chinese to insure product quality insurance. Otherwise, overseas buyers will not buy Chinese companies' products, but domestic PV companies use such methods to obtain overseas buyers' products. The trust, using overseas buyers to understand China's insurance products, this behavior has been suspected of fraud, if known by overseas buyers, China's photovoltaic industry is bound to be a blow." April 20, last year in New York The person in charge of a listed domestic solar energy company told this newspaper.
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