出口信用保险及其在中国的发展

出口信用保险是一种新兴信用保险,由于其对于出口的保护和促进作用而得到了世界各国的重视。作为一个贸易大国,在我国推行普及出口信用保险以提高企业抗风险能力,保障对外贸易的安全性具有十分重要的意义。     

出口信用保险问题的思考

在当今激烈的竞争的国际贸易市场上，如何按照符合国际规则的运作方式，支持和促进出口的发展，为企业提供一个安全的出口和融资的环境，是政府和广大出口企业都关心的重要议题。作为提供风险保障的出口信用保险，其作用越来越被人们所认同。     

出口信用保险费率下调

出口信用保险是世界各国支持本国出口贸易的通行做法。出口信用保险机构通过承保企业对外经济交往中的商业信用风险和政治风险,补偿企业收汇损失,提供出口信息服务,提供融资便利,保障企业经营的稳定性,使企业可以用更加灵活的贸易手段参与国际竞争,不断开拓新客户、新市场。     

出口信用保险：容易忽略的外贸安全带——中国出口信用保险公司上海分公司总经理袭新宝访谈录

在采访之前．就听说这是一家以领导魅力．团队协作优秀和市场运作高效为特点的保险公司。吸引我来采访的是，一个年保额逾10亿美元，三年中业绩翻三番的公司成功究竟有何奥秘？     

出口信用保险容易忽略的外贸安全带--中国出口信用保险公司上海分公司总经理裘新宝访谈录

在采访之前,就听说这是一家以领导魅力、团队协作优秀和市场运作高效为特点的保险公司.吸引我来采访的是,一个年保额逾10亿美元、三年中业绩翻三番的公司成功究竟有何奥秘?     

Export credit insurance-a comparison

Incessant growth of world trade and of overseas investments, and the shirts In their structure, are reflected In changes affecting International trade relations. The present article discusses the rising political and economic risks to which exports are exposed, and the consequent growth of demand for insuring export credits and direct Investments.     

Export quality differentiation under credit constraints

This paper studies the effect of credit constraints on the choice by small and medium-sized enterprises to export goods of higher quality relative to their domestically sold output (quality differentiation). The empirical analysis employs detailed firm-level data on product characteristics and credit scores. Credit constraints are found to be negatively associated with export quality differentiation. Firms reporting a deterioration of the credit score by a standard deviation are 36% less likely to pursue quality differentiation. The negative relation between credit constraints and quality differentiation is stronger for firms exporting to distant markets.     

Coercion in the selling of credit life insurance

Credit life insurance, which repays some or all of a borrower's outstanding debt in the event of death, has been a controversial subject for many years. Critics assert that, despite regulations that limit tied sales, pressure on loan officers to generate fee income through cross selling creates an incentive for coercion of borrowers. Allegedly, some sales techniques leave the consumer with the false impression that the purchase of credit insurance was necessary to obtain the loan. This article measures the frequency with which creditor efforts to sell credit insurance transform the sales message from persuasive to coercive. A methodology is developed for measuring the impact of coercive selling pressure applied to borrowers at the point of sale. Data used to measure the effect of coercive pressure are taken from an extensive survey of borrowers conducted during 1993. Not only are public policy concerns about coercion in the selling of credit insurance addressed, but more generally the article offers a methodology to quantify the influence of the customer's point-of-sale experience on the decision to purchase any financial service. © 1995 John Wiley & Sons, Inc.     

中小企业牵手出口信用保险

天有不测风云,人有旦夕祸福,这是人们对意外事件的总结和判断。在国际贸易领域,意外事件、意外损失的发生总是令人忧心,因为它导致的结果小可伤筋动骨,大到倾家荡产。对于进出口企北来说,而对意外事件的发生,是选择亡羊补牢,还是未雨绸缪,其结果可能会大不一样。将小额的保险费支出作为日常成本,来规避不确定的大额意外损失,这是企业明智的选择。无论是出口信用保险,还是货物保险,都将会是企业防范风险的一道屏障。     

企业,请系好这根安全带 --出口信用保险访谈录

出口信用保险是一种促进本国出口的政策性金融工具,它可以减少企业的收汇风险、有利于企业开拓新市场、帮助企业以更灵活的支付方式抓住贸易机会,并且通过投保出口信用保险可以使企业获得更多的融资便利。企业应当充分利用好这一工具。