只要涉足外贸领域，就必然知道cif所说的是产品销售过程之中，相应的运费以及保险费用等都由外贸企业产品销售方来承担。涉及到风险转移点时，有很多新进入领域发展的工作人员有些疑惑不解，其风险转移点的设定为产品装运港口船只后，相关保险和销售方企业没有任何关联性，为什么会出现这种状况呢?新进工作人员疑惑的问题主要在于，既然自身企业购买了这一类型的保险，一旦出现问题，就必然应该赔偿己方，从下述案例中我们能够了其问题本质：
Mr. Williams:
The products you need to buy are as follows: Jinxiuyu 800 super flat glazed tile. Each piece is 58 yuan, Jazz white 800 imitation marble tile 35,000 pieces each 27.5 yuan. Mocha ash glazed tile 24,000 pieces, each 69.9 yuan. Alice's simple fashionable kitchen and bathroom tiles. 112,000 tablets, 6.5 yuan each. At that time, 120,000 pieces of kitchen tiles were still in fashion, 7.9 yuan each. Classic red shirt wood tile 77,000 pieces of US $8.7.
In terms of price, this batch of products give the other company a 1.3% discount in our company's recent sales of products, which is the most cost-effective preferential measures. After detailed discussion by the company's senior managers in 1997, they agreed to the relevant freight and insurance plan proposed by you. During the transportation process of this product, the land transportation and related costs of the product are all borne by our company, and the CIF bill of lading accordingly. The product will be uploaded and mailed to your company.
威廉姆斯先生：
贵方所需购买的产品如下：锦绣玉800超平釉瓷砖，每片58元。爵士白800大理石瓷砖35,000片，每一片27.5元。摩卡灰全抛釉瓷砖24,000片，每片69.9元。爱丽丝简约时尚厨卫瓷砖112,000片，每片6.5元。爱尚时尚厨房瓷砖112,000万片，每片7.9元。经典红衫木纹瓷砖77,000片，每片8.7元。
价格方面本批产品给予贵方公司1.3%的优惠，我公司近期所销售的产品中，这是最具有性价比的优惠举措。公司高层经过商议之后，同意了贵方所提出的相关运费以及保险方案，本次产品运输过程之中，产品的陆路运输以及相关费用皆由我公司承担，cif相应提单会在产品上船后邮寄给贵公司。
从如上介绍中可以发现，在这篇沟通中就已经明确说明了cif风险转移点问题，“The board of directors of our company has agreed to the relevant freight and insurance plan proposed by you. In the course of transportation of this product, the land transportation and related expenses of the product are all borne by our company. The corresponding bill of lading of CIF will be mailed to your company after the product is uploaded.”
显而易见，cif保险虽然是由产品销售企业购买，但是其购买行为是替代产品买入方企业进行支付，因此在产品装船之后，这批货物的归属权就已经从销售方企业转移到产品购买方企业，因此要将相关的提单交给产品购入方用户，此时，其风险都是由产品购入方企业承担的，所以后期运输过程中无论出现任何问题，其受益人都是产品购入方机构。为什么在cif中没有找到相应的说明性文件呢，实际非常简单，这一类型的说明条款存在于fob中，想要对信息详细解读，用户就一定要关注到这一类型的问题，从上述可知cif风险转移点和销售方企业关联性不大，但是这种问题会降低外贸企业收益。
对于外贸销售企业而言，更应该关注的是如何节省费用支出，和产品购入方企业沟通时应尽量以fob为主。
Mr. John:
I'm glad to be able to reach this business transaction price with your company, you and I have no meaning. At present, the only difference lies in the transportation cost and insurance related aspects of product sales. Prior to that, our company has already given you a 0.7% discount on the price of our products, plus the quarterly discount on purchasing products and the new user discount we have given you. Total for the company, this batch of products sales concessions of 2.3%, which has been rare in the industry, if the product sales process, the relevant transport costs are also borne by us in this state, our company's profit is slight, so in this product transaction. We will be responsible for transporting the products to the designated port, and your company will bear the relevant insurance and shipping costs. If there is no objection, please write back and contact us. We will arrange the production of the products for the other party as soon as possible. The products will be transported to the designated port by April 17.
约翰先生：
很高兴能够和贵公司达成这笔业务往来，价格方面，你我双方都已经没有异议，目前唯一的分歧存在于产品销售时的运输费用相关以及保险相关方面，此前我公司销售产品价格已经给予了贵公司0.7%的优惠，叠加产品购入季度优惠以及我公司所给予的新用户优惠，共计贵公司获得这批产品优惠额度为2.3%，这在行业之中已属罕见，如果在此次产品销售过程之中，相关的运输费用也由我方承担，这种状态下我公司的获利微薄，因此在本次产品交易中我方将负责将产品运输到指定港口，而在相关保险费用以及海运费用方面则应由贵公司自行承担，如没有问题请回函联系，我方会尽快为贵方安排产品生产，将于4月17日之前将产品运输到指定港口。
该外贸企业关注的是“So in this product transaction. We will be responsible for transporting the products to the designated port, and your company shall bear the relevant insurance and shipping costs on its own.”很显然，这对于销售方企业更有利。
