<p> <br/></p><p></p><p></p><p>[摘要]STP保险在货运险市场已有近30年历史，但近年来呈现迅猛发展之势。毋庸置疑，STP一揽子保障方式为客户提供了巨大的方便，减少了管理成本。但从承保人的角度看，必需清醒的认识到，STP风险已远远超出了单纯水险保障范围，风险情况更为复杂，必须切实做好风险防范才能取得较好的经济效益。本文分析了STP保单的内容及与传统货运险比较，并对国内市场承保STP保单考虑要素加以讨论。</p><p>[关键词]STP、货运险、比较分析、承保技巧</p><p>Abstract: Stock throughput (STP) insurance has already had a history of around 30 years in the cargo insurance market. However, recent years have seen much stronger development momentum of STP. There is no denying STP can provide a “cradle to grave” cover to clients and also reduce the management cost. Nevertheless, from underwriters’ point of view, it should be clearly minded that STP cover is far beyond traditional cargo insurance and the risk nature is much more complex. To achieve satisfactory economic performance, underwriters have to pay more attention to loss assessment and prevention. This paper analyzes the policy content of STP insurance and its advantages over traditional cargo policy. Meanwhile, how to do better underwriting consideration of STP policy in our domestic market is also discussed.</p><p>Key Words: STP, Cargo risk, Comparison, Underwriting know-how</p>