在企业倒闭潮频现、结算风险不断出现之际，商务部决定鼎力相助。

In business failures tide frequent、Settlement risk of appear constantly，The ministry of commerce decided to help。

　　7月上旬，商务部网站一日之内连发两文，称将继续推行内贸信用保险补助项目，给予投保企业不超过实际缴纳保费50%的基本保费补助，鼓励企业运用信用保险的手段提高风险防范能力。

Early July，The ministry's website a day two balls per text，Say will continue to implement domestic trade credit insurance subsidy program，Give insurance companies don't more than the actual pay insurance cost 50% of basic premium subsidies，Encourage enterprises to use credit insurance means improve risk prevention ability。

　　国内贸易信用保险承保的主要是买方信用风险，包括因买方破产、无力偿付债务以及买方拖欠货款而产生的商业风险。内贸险无疑可以缓解企业因资金链条上某一个链条断链带来的巨大风险。商务部此举一时被业内人士称为“金融服务实体经济最务实的行动”。

Domestic trade credit insurance covers the main is a buyer's credit risk，Including the buyer for bankruptcy、Unable to repay debts and the buyer payment default from the business risk。Domestic trade risks can certainly alleviate enterprise for a fund chain of a broken chain chain with the great risk。The ministry of commerce for the move the industry was called“Financial service entity economy the most pragmatic action”。

　　然而，《中国经营报》记者在实际采访中发现，受限于理赔流程长、国内商业文化等因素，目前国内内贸信用险的认知度并不高，企业并不买账。

however，《China runs a newspaper》Reporters in the actual interview found，Limited to manage compensate flow long、Domestic business culture, and other factors，At present domestic domestic trade credit insurance awareness is not high，Enterprise does not buy。

　　浙江省浙商研究会执行会长杨轶清建议，对于内贸险，相关部门应该加大推广宣传的力度；同时简化流程，使投保、理赔更简便。

Zhejiang province of zheshang executive chairman of YangYiQing Suggestions，For domestic trade risks，Relevant departments should increase the strength of the promotion；At the same time process is simplified，Make insurance、Claims more simple。

　　政策护航

Policy escort

　　内贸信用保险补助项目自2009年启动至今，已经持续三年，试点地区包括北京、上海、天津等12省（市）。

Domestic trade credit insurance subsidy program since the 2009 start today，Has been three years，Pilot areas including Beijing、Shanghai、12 provinces such as tianjin（city）。

　　据悉，商务部7月的新文件确定了七家保险公司为补助项目的承办机构，包括中国出口信用保险公司、中国平安（601318）财产保险股份公司、中国人民财产保险股份公司、中国太平洋（601099）财产保险股份公司、安邦财产保险股份有限公司、中国大地财产保险股份有限公司、中银保险有限公司。其中，中银保险为此次新增加的补助项目承办机构。

It is reported，The ministry of commerce on July new file determined the seven home insurance company for subsidy project to undertake the institutions，Including China's export credit insurance company、China peace（601318）Property insurance corporation、Chinese people's property insurance corporation、China Pacific（601099）Property insurance corporation、Recently, property insurance Co., LTD、China continent property insurance Co., LTD、Boc insurance Co., LTD。Among them，Boc insurance for the new aid project for institutions。

　　与前两年相比，新文件中比较大的变化在于：一是规定投保企业的注册资本金要低于1亿元人民币；二是各试点省市独立制定具体的细则。

Compared with the first two years，New file big change is：One is the provisions of registered capital for enterprise to less than 100 million RMB yuan；2 it is the pilot provinces and cities, formulate specific independent of the detailed rules。

　　据商务部工作人员介绍，以往由商务部统一发文，各省市照办。今年一改旧规，由商务部制定大方向大范围，各试点省市因地制宜，制定符合本地情况的细则。“打个比方，上海的企业，就要在7家保险公司的上海分公司投保。以往企业投保按照商务部颁布的文件规章即可，今年还要看上海制定的具体细则，对投保企业有哪些要求规定等。”上海商务委员会相关人员向记者透露，上海的相关文件将在近日出台，今年本地的政策变化较大，且上海在今后两年都将依循今年的标准。

According to the ministry of commerce staff introduced，Previous unified dispatch by the ministry of commerce，Provinces and cities do it。This year a GaiJiu rules，Formulated by the ministry of commerce general large scope，The pilot provinces and cities adjust measures to local conditions，With the details of the local conditions formulated。“For example，The enterprise Shanghai，7 insurance companies will be in the Shanghai branch of insurance。According to the ministry of commerce for previous enterprise issued by file rules can，This year will see the specific rules for Shanghai，What are the requirements for enterprise to regulations, etc。”Shanghai business committee related personnel has revealed，Shanghai related documents will be issued recently，This year the local policy change greatly，And in the next two years in Shanghai will follow this year's standards。

　　一位商务部内部人士告诉记者，补助钱款已经下拨到各试点省市，8月底将到七家保险公司账上，届时由保险公司将补助发给企业。

A ministry of commerce insiders told reporters，It's a sad to the subsidies money pilot provinces and cities，Will the end of August to seven home insurance company account，When the insurance company will aid to enterprise。

　　“现在不仅是外贸萎缩，内贸形势也很严峻。内贸信用险如果能在第一时间把有可能扩散的债务风险降到最低，是非常必要、及时的，”杨轶清说，“目前三角债很多，很多企业既是债权人又是债务人，资金链长，一个环节出问题导致整个链条像多米诺骨牌一样纷纷倒塌。内贸信用险的作用相当于，当链条断裂时，它能迅速补上，保证资金链畅通。”

“Now not only is foreign trade atrophy，Domestic trade situation also very very serious。Domestic trade credit insurance if can in first time could spread debt risk to the minimum，Is very necessary、timely，”YangYiQing said，“At present many ious，A lot of enterprise is the creditor and the debtor，Capital chain long，A link in the chain problems like dominoes as crashed。Domestic trade credit insurance functions as，When the chain rupture，It can fill quickly，Ensure smooth capital chain。”

　　据商务部市场秩序司副司长温再兴在“2010信用销售发展论坛”上介绍，2009年和2010年，中央财政累计支出内贸险保费补助资金1.74亿元。获补助的投保企业1024家，其中中小商贸企业731家；受益的下游企业23038家，平均每家获得信用销售949万元。

According to the ministry of commerce chief of department of market order WenZaiXing in“2010 credit sales development BBS”Introduced on，In 2009 and 2010，The central finance accumulative total spending domestic trade risk premium subsidies capital of 174 million yuan。The subsidies for the 1024 enterprises，One small and medium-sized business company, 731；Benefit from 23038 enterprises of downstream，Average each get credit sales of 9.49 million yuan。