“从今年4月至今，已有400多家企业使用小微企业信保易产品，保费获得政府扶持额度在80%至100%。目前还有1000多个企业额度。”中国信保广东分公司承保部门负责人对南都记者如是透露。

"From April this year so far,More than 400 companies use small micro enterprise believe the easy products,Premium to receive government support line in the 80% to 100%.At present, there are also more than 1000 enterprise quota."Chinese believe the guangdong branch underwriting department responsible for SMW reporter so revealed.

　　在投保费率相当于传统出口信用保险近半的情况下，尽管70%的保障范围低于传统出口信保90%，但政策扶持对小微企业降低成本和减轻出口风险相当有利。中国银行(2.71,0.01,0.37%)广东省分行国际结算部总经理邓文祥对南都记者表示，广东中行将密切与广东信保合作，在中国信保承保范围内提供配套融资服务。

In the insurance rate equivalent to traditional export credit insurance under the condition of nearly half,Although 70% of the security range less than traditional export believe the 90%,But policy support for small micro enterprise to reduce cost and reduce the risk of export quite favorable.The bank of China(2.71,0.01,0.37%)Guangdong branch international settlement department general manager DengWenXiang of SMW reporters,Guangdong bank will closely and guangdong believe the cooperation,In China believe insurance coverage provided supporting financing service.

　　尚余1000多个投保名额

More than 1000 places more than it is for

　　随着海外业务风险持续升高，广东省企业出口收汇风险案件增加。截至8月底，中信保广东分公司处理出险案件超过1000宗，同比增加57%，赔付金额超过2亿元人民币，同比增长158%。

With the rising of overseas business risk,Guangdong enterprises to export in the case of increase the risk.By the end of August,Citic the guangdong branch processing more than 1 1000 cases be or get out of danger,Increased by 57% year-on-year,Settlement amount of more than 200 million yuan,Year-on-year growth of 158%.

　　“上半年的赔付是去年全年的总和。各项指标创了新高。”中信保广东分公司总经理陈从连对南都记者透露。

"In the first half of last year is the sum of compensation.Each index and the high."Citic the guangdong branch general manager Chen from even the SMW reporter revealed.

　　据省外经贸厅相关负责人介绍，省财政今年安排超过1亿元信用保险专项扶持资金用于支持广东省企业保短期出口信用保险、小微信保易专项保险和进口信用保险。对2011年年出口额在300万美元(含)以下的小微企业投保给予80%的财政扶持，在扶持80%的基础上，广东各地均有小微企业投保扶持政策，包括珠海、东莞、中山、江门、广州、佛山、潮州枫溪区、惠州大亚湾区等地市再给予10%-20%的小微保费扶持。其中珠海、潮州枫溪区的扶持为20%。据悉，借助两级财政扶持政策，小微企业平均实际最终缴纳的保费仅为1000元左右。

According to the province economic and trade hall relevant controller introduces,Provincial government budget this year for more than 100 million yuan credit insurance of a special support fund used to support enterprise of guangdong province guaranteed short-term export credit insurance/Small micro believe the easy special insurance and import credit insurance.Year after year to 2011, with the amount of $3 million(contain)The following small micro enterprise insured give 80% of financial support,In the support on the basis of 80%,All parts of guangdong have small micro enterprise insurance policy support,Including zhuhai/The dongguan/zhongshan/jiangmen/guangzhou/foshan/Chaozhou fengxi district/The area of cities in daya bay, huizhou to give 10% - 20% of the small micro premium support.The zhuhai/Chaozhou fengxi support of 20%.It is reported,With the aid of two levels of financial support policy,Small micro enterprise average real final pay premium is only 1000 yuan.

　　陈从连曾表示，今年预计完成近2000家小微企业的业务量。距年底尚有4个月，依然剩下1000多名的额度。

Chen from even has said,This year it is forecast to complete nearly 2000 small micro enterprise's portfolio.There are four months from the end of the year,Still left more than 1000 line.

　　“经调查，中信保对小微企业有区域规划，受小微企业的类型、风险匹配和政府支持力度等影响。但目前可以说，小微企投保先到先得。”有关人士透露。

"After investigation,Citic insurance for small micro enterprise have regional planning,By small micro enterprise type/Risk matching and government support on impact.But it can be said that the,Small micro enterprises insured first come first served."Relevant sources.

　　适合买家分散的企业

Suitable for buyers scattered enterprise

　　南都记者获悉，有部分小微企业选择与大中企业相同的出口信用保险。

SMW reporter learned that,Some small micro enterprise choice and large and medium-sized enterprise the same export credit insurance.

　　4月至8月底，有500多家小微企业购买了中信保的保险，其中有2成至3成小微企业购买了出口信保。这类企业分两种：一类企业本身有比较大的买家，如八九成出口额均由一个大买家消化，所需保障额度较大；另一类企业由集团统一投保，按集团标准进行投保。

April to the end of August,There are more than 500 small micro enterprise bought citic insurance of insurance,There are 2 into to 3 into small micro enterprise purchase export believe insurance.This kind of enterprise of two:A kind of enterprise itself has the bigger of the buyers,To such as into exports all by a big buyer digestion,Security line for larger;Another type of enterprise from the group of unified insurance,According to the standard group insurance.

　　中国信保广东分公司承保部门负责人表示，当单一买家交易额较高时候，企业应当选择出口信保产品，这类产品会对每个买家进行调查，分别根据每个客户制定相应的费率。如果企业与同一买家贸易的份额超过50万美元，假如份额为350万元美元，则中信报给予的赔付为35万美元，其余由企业自身担当。

Chinese believe the guangdong branch underwriting department person in charge said,When a single buyer high turnover time,Enterprise shall choose export believe insurance products,This kind of product will be for each buyer were investigated,Separately according to each customer to formulate relevant rate.If the enterprise with the same buyers trade share more than 500000 dollars,If share for 3.5 million dollars,In the daily to give the compensation for 350000 dollars,The rest by the enterprise itself bear.

　　“年出口额300万美元的企业选择出口信保易，单笔保障额最高能达到90%，平均费率水平为0 .6%至0 .7%，也可能达到2%或3%。”苏小姐认为，如果企业选择小微信保易，在70%的标准赔付额度上，手续费相应减半。

"Annual export volume $3 million export enterprises to choose the easy letter,Single pen guarantee the highest amount could reach 90%,Average rate level is 0 . 6% to 0 . 7%,Also may be 2% or 3%."SuXiaoJie think,If enterprises to select small micro believe the easy,In 70% of the amount of compensation standard,Commission corresponding halved.

　　据小微信保易产品规定，单一买家赔付上限分为5万和10万美元两个档次，对应费率分别为0 .14%和0 .23%。

According to small micro believe the easy product regulation,A single buyer compensation cap is divided into five and 100000 dollars two class,Corresponding rate were 0 . 14% and 0 . 23%.

　　假如某家企业出口额为50万美元，费率为0 .23%，实际上仅需缴纳1000美元左右的保费，而其放大的保障额度为50倍，即5万美元。

If an enterprise exports to 500000 us dollars,Rate is 0 . 23%,In fact only pay about $1000 premium,And the enlarged security limit is 50 times,That is 50000 dollars.

　　“小微企业的买家较为分散，根据年出口额度计算出整体费率。”上述负责人表示，在考虑费率上更为便捷，如政府扶持80%，企业缴纳20%并填写投保单后，便可完成投保程序。

"Small micro enterprise buyers more dispersed,According to an export quota to calculate the overall rate."The person in charge said,In considering the rate is more convenient,Such as the government support 80%,Enterprise pay 20% when the proposal and fill in,Can complete insurance program.

　　另外，南都记者获悉，广东省财政、信保广东分公司和省中行均作出了专项资源及额度安排，广东贸易信贷服务平台计划年内服务中小微企业近2000家。

In addition,SMW reporter learned that,Guangdong finance/Believe the guangdong branch and provincial bank of China are made special resources and line arrangement,Guangdong trade credit service platform service plan years of small and medium-sized micro enterprise nearly 2000.