What is the difference between Alibaba Performance Guarantee and Buyer Guarantee's Self-paid Securit
阿里巴巴履约保证险和买家保障的自缴保证金都是为了保障交易双方权益而设置的保障服务，但它们之间还是有一定区别的。
阿里巴巴履约保证险是由中国人民财产保险股份有限公司出具的保单，保证卖家在合同约定的时间内履行自己的义务。如果卖家未能按合同约定进行发货或提供其他协议服务，履约保证险会对买家给予补偿。同时，如果送货过程中商品遭受损失或因物流原因被迫退货，也可以得到赔偿。履约保证险通常需要买家支付保费，卖家无需承担额外成本。
买家保障的自缴保证金则是指在交易前由买家向阿里巴巴支付的押金，用于保障交易过程中买家和卖家的权益。在交易完成后，如果双方没有纠纷或者买家没有违反交易规则，该保证金将会被全额退还给买家。但是，如果买家违反了交易规则，如恶意拖延收货、虚假评价等，阿里巴巴将有权扣除相应的保证金作为赔偿。
综上所述，阿里巴巴履约保证险和买家保障的自缴保证金都是用于保障交易双方的利益，但它们的使用方式、作用范围和保费等方面存在不同。
Professional answer
Both Alibaba Performance Guarantee and Buyer Guarantee's Self-paid Security Deposit are security services set up to protect the rights and interests of both parties to the transaction, but there are still some differences between them.
Alibaba Performance Guarantee is an insurance policy issued by PICC Property and Casualty Company Limited to ensure that the seller will perform its obligations within the time agreed in the contract. If the seller fails to ship or provide other agreed services as agreed in the contract, the performance guarantee insurance will compensate the buyer. At the same time, if the goods are damaged during delivery or are forced to be returned due to logistics reasons, compensation can also be obtained. Performance guarantee insurance usually requires the buyer to pay the premium, and the seller does not need to bear additional costs.
Buyer Guarantee's Self-paid Security Deposit refers to the deposit paid by the buyer to Alibaba before the transaction, which is used to protect the rights and interests of the buyer and seller during the transaction. After the transaction is completed, if there is no dispute between the two parties or the buyer has not violated the transaction rules, the security deposit will be fully refunded to the buyer. However, if the buyer violates the transaction rules, such as maliciously delaying the receipt of goods, false evaluation, etc., Alibaba will have the right to deduct the corresponding security deposit as compensation.
To sum up, Alibaba's performance guarantee insurance and the buyer's self-paid deposit are both used to protect the interests of both parties to the transaction, but they are different in terms of how they are used, the scope of their application, and the premiums.
1.
The sources of funds are different.
2.
The purpose of the constraints is different.
3.
The proportion of the deposit and the return time are different. For the performance bond, the seller only needs to pay a very low fee and no longer freeze the deposit to open the buyer protection service, the partnership protection service, and the strength protection service. At the same time, they can enjoy the advance payment service provided by the insurance company, which can relieve the financial pressure. If you pay the deposit yourself, you need to pay a minimum deposit of 3,000 yuan to open the buyer protection. This deposit is frozen in the Alipay account and cannot be used; after purchasing the performance bond insurance, your deposit payment obligation can be reduced in whole or in part, that is, within the same amount of the insured amount, you do not need to freeze the deposit, and you only need to pay a small amount of premium (the minimum is only 90 yuan/year) to open the buyer protection service.
Alibaba performance bond insurance is an insurance product that can provide sellers with payment protection. When the buyer fails to pay the payment as agreed in the contract, the seller can apply for compensation from the insurance company.
The buyer's self-paid deposit refers to a certain amount of money that the buyer pays to the Alibaba platform as a transaction deposit during the transaction to ensure the smooth progress of the transaction. The difference between the two is that the performance bond insurance is provided by the insurance company, while the self-paid deposit is provided by the Alibaba platform, and the self-paid deposit generally only covers part of the transaction, while the performance bond insurance can cover the entire transaction.
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