2012年以来，我国对外贸易形势极其严峻，出口已成拖累经济下滑的因素之一，扭转出口颓势已经非常迫切。在全球经济不景气的大环境下，加之美国经济低迷和欧债危机的进一步影响，外需持续低迷是外贸下滑的主因，且为中国不能左右和掌控的因素。但并不等于说在促进出口、稳定增长上政府就无能为力。今年以来，在外需乏力，出口企业异常困难的情况下，政府有针对性地出台了一系列给企业减负、融资、服务和创造优良环境等方面的推动出口、稳定增长的政策。其中有些政策在实施一段时间后成效初显，对此我们小作梳理，以便企业更加了解相关政策，并提高利用率，帮助企业减轻负担度危机。同时也有些政策，特别是金融扶持配套政策不到位、普及落实难的问题也日益凸显，还有待进一步研究优化。

Since 2012,China's foreign trade situation is very serious,Export has become a drag the economy down one of the factors,Torsional export flagging has very urgent.During the global economic recession of the environment,Together with the economic downturn and the debt crisis influence further,Sustained downturn now is the major cause of foreign trade down,And for the Chinese cannot control and control factors.But not as much as to say in promoting export/Steady growth in government is powerless.Since this year,In the overseas market demand weakness,Export enterprise anomaly difficult situation,The government has issued a series of pointed to alleviate the burden on enterprises/financing/Service and create excellent environmental push exports/The policy of steady growth.Some of these policies in the implementation of a period of time after the early results show,So we made a small comb,In order to better understand business related policy,And improve utilization ratio,Help enterprises to reduce the burden of the crisis.Also some policy,Especially financial support supporting policies does not reach the designated position/Popular implement difficult issues are becoming increasingly highlight,It remains to be further study optimization.

　　出口退税新政解企业燃眉之急 

Export tax rebate New Deal solution enterprise burning issue 

　　前几月，为了给出口企业营造宽松环境，财政部、国家税务总局发出《关于出口货物劳务增值税和消费税政策的通知》，同时国家税务总局发出《出口货物劳务增值税和消费税管理办法》，进一步明确出口退税货物的条件、范围、计税依据、退税率、申报时限等内容。出口企业在出口退税范围、出口征税改免税、申报期限延长、新办企业退税等多个方面，可获得更为良好的宽松环境和发展机遇，有利于应对当前外贸出口的严峻形势。 出口退税新政今年7月1日起已在全国范围内开始实施。 

A few months before,In order to give export enterprise builds comfortable environment,The ministry of finance/State administration of taxation issued[As for the export goods labor value added tax and consumption tax policy notice],At the same time, state administration of taxation issued[Export cargo services of value-added tax and consumption tax management measures],Make clear further tax reimbursement for export goods condition/range/Plan tax basis/Rebate rate/Declaration time limit, etc.Export enterprises in the export tax rebate range/Export tax change tax exemption/Extended the deadline for/Newly established enterprise tax refund, etc,Can get more good comfortable environment and opportunities for development,To cope with the current foreign trade export the grim situation. Export tax rebate New Deal on July 1 has set up a file in the nationwide implementation of the start. 

　　9月才刚开始，杭州金荣进出口有限公司就拿到了8月份的出口退税，有500多万元。“退税效率真高，每月都能及时拿到出口退税，帮助企业减轻了资金压力，同时也有效提高了资金使用效率。”该公司相关负责人高兴地说，今年以来共拿到出口退税2600余万元，同比增长30%左右。 

September just started,Hangzhou import and export co., LTD. JinRong got August tax reimbursement for export,There are more than 500 ten thousand yuan."Tax refund efficiency is high,Monthly can timely to the export tax rebate,Help enterprises to reduce the financial pressure,At the same time also effective to improve the service efficiency of funds."The relevant person in charge of the company said happily,Since this year a total of export tax rebates to more than 2600 ten thousand yuan,Year-on-year growth of 30%. 

　　“7月底，我向银行贷的80万元贷款即将到期，这时候刚好出口退税新政实行，80多万元的退税款一到账，顿时解了企业的燃眉之急……”欧华家具负责人告诉记者。欧华家具是去年11月份才办理出口的一家新企业，按照原有政策，退税要到今年11月企业通过审核期后下发，而新政的实行，使得企业立马得到了退税款，并且以后只要相关申报手续办齐就能立刻办理出口退税。“对于新企业来说，这样的政策大大缓解了资金流压力。” 

"The end of July,I lend Banks $800000 loan is about to expire,Just at this time of export tax rebates for the New Deal,More than 80 yuan of a trip to the account,Suddenly solution enterprise's burning issue..."The China furniture person in charge told reporters.The China furniture is in November last year to apply for export of a new enterprise,According to the original policy,Tax rebates to November enterprise through the audit period issued,And the implementation of the New Deal,Makes the enterprise quickly get the tax reimbursement,And as long as the related formalities after declaration qi can immediately apply for export tax rebates."For the new enterprise,Such policies greatly alleviated the cash flow pressure." 

　　江苏金辰针纺织有限公司董事长殷金华谈到新政对企业的影响时表示，“出口退税新政最大的好处是退税申报期限由90天调整为最长470天。在原来的政策下，由于受三角债和货物运行等因素的影响，我们难免会错过90天的出口退税材料备单期。这样一来，出口货物非但不能退税，反而按照内销产品征税，遭受损失不小。出口退税新政实施后，大大降低了企业因不可控因素造成的退税损失，有利于增强企业发展信心。” 

Jiangsu jinchen needle textile co., LTD., chairman of the board YanJinHua talked about the New Deal and the effect of which on enterprises, said,"Export tax rebate New Deal biggest advantage is tax refund declaration period from 90 days to 470 days adjust the longest.In the original policy,Because of the chain debts and goods of the factors such as operation,We will inevitably miss 90 days of export tax rebate material for single period.so,Export goods not only cannot drawback,But according to the domestic sale product tax,Suffer loss not small.Export tax refund after the implementation of the New Deal,Greatly reduces the enterprise because of uncontrollable factors drawback loss,To strengthen enterprise development confidence." 

　　总体而言，对出口企业来讲，新政策的利好主要体现在以下几个方面。一是扩大生产企业收购货物出口退税范围，增加了视同自产的与本企业生产、经营活动相关的货物；二是将部分出口货物由征税调整为免税；三是放宽了企业申报退税的期限，由90天调整为当年出口的货物须在出口的次月至次年4月；四是增加了出口货物免税管理的内容；五是取消了小型企业按年度退税、新发生出口业务的企业12个月审核期的规定。 

In general,In terms of export enterprise,The new policy bullish mainly reflects in the following aspects.One is to expand production enterprise purchase goods export tax rebate range,Increased shall be regarded as produced with this enterprise production/Business activities related to the goods;The second part is to export goods by taxation adjustment for tax exemption;Three is to broaden the enterprise declare tax refund period,By 90 days is adjusted for the export of the goods shall be the second month in the export to April;Four is to increase the export goods duty-free the content of the management;Five is cancelled small enterprise according to the tax refund/The new happens export business enterprise 12 months of the provisions of the audit period. 

　　按照国际惯例，出口退税的原则应该是“征多少，退多少”。但是受各方面因素所限，目前我国的很多行业无法达到全部退税。新一轮退税率上调，主要是调整那些目前退税率较低，但属于国家支持行业的退税率。如技术含量较高的、高附加值的、无污染、低能耗的行业。那些高污染、高能耗、消耗资源多的“两高一资”行业，则很难提高退税率。 

According to international practice,Export tax rebate principle should be"Drafts how many,Back many".But affected by the factors that limit,At present our country a lot of industry cannot reach all tax refund.A new round of rebate rate raised,Main is to adjust the current rebate rate is relatively low,But belongs to the state supports industry rebate rate.Such as the high technology content/High added value/pollution-free/Low energy consumption industry.Those high pollution/High energy consumption/Consumption more resources"Two higher information"industry,It is hard to improve the rebate rate. 

　　与此同时，国家高层领导在出口退税方面也已经给出了积极信号。温家宝总理8月24日—25日在广东省调研期间，表示要有针对性地采取措施推动出口稳定增长，明确提出要以改善企业的出口退税、扩大出口信用保险等方式帮助企业“减负增效”。 

meanwhile,The country's top leaders in the export tax rebate also has given a positive signal.Premier wen jiabao on August 24-25 in guangdong province during the investigation,Said to have pointed to take measures to promote stable export growth,To put forward to improve enterprise's export tax rebate/Expand the export credit insurance, etc to help enterprise"And alleviate the burden on". 

　　8月31日，巴克莱银行在最新报告中称，中国的政策制定者将等到8月经济活动和通胀数据出炉(上述数据将在9月9日公布)，然后再对支持增长的额外政策措施做出决定。这些组合措施中就包括可能将出口退税率最高上调3%。 

August 31,,The barclays bank in the latest report says,China's policymakers will wait until August economic activity and inflation data released(The above data will be released on September 9,),And then again to support growth additional policy measures to make a decision.The combination of measures including may raise the export tax rebate rate the highest 3%. 

　　业内人士普遍认为，在推动出口的问题上，相对于国内税和汇率调整等政策手段，出口全退税发挥作用的约束条件最少，调整效果却最为显著。因为这种政策直接面向出口商和生产商，传递环节短，政策刺激能快速见效。同时，它可以根据出口商品的特性进行针对性调整，兼具促进产业结构优化升级的功能。操作简便、不需要另设机构和配置专门的工作人员，也提高了出口退税政策作用的发挥力度。 

The personage inside course of study is generally accepted that,In promoting export issues,Relative to the domestic tax and exchange rate adjustment policies means,All export tax rebate play a role of the constraint conditions at least,But the most significant adjustment effect.Because this kind of policy directly facing the exporters and producers,Transmission link short,Policy stimulus can quickly response.At the same time,It may, according to the characteristics of the export commodities are targeted adjustment,Both promote the upgrading of the industrial structure function.Easy operation/Don't need another incorporated institution and the configuration of the specialized work personnel,Can raise the export tax rebate policy plays an important role in the dynamics. 

　　货物贸易外汇管理制度改革服务实体经济 

Trade in goods to foreign exchange management system reform service entity economy 

　　为支持外贸稳定增长，国家外汇管理局、海关总署、国家税务总局于8月1日起已在全国范围实施货物贸易外汇管理制度改革。外汇局近日表示，改革实施一个多月来，已经初见成效。在推进改革过程中，货物贸易外汇管理相关行政许可项目由过去的19小项简化为4小项，共废止了116件与贸易外汇管理有关的规范性文件。在外汇局积极转换政府职能，大幅减少行政审批项目的同时，建立健全操作规程等标准规范，完善内控制度，提高了行政效能。 

To support the steady growth of foreign trade,The state administration of foreign exchange/The general administration of customs/The state administration of taxation on August 1 has set up a file in the nationwide implementation of the trade in goods to foreign exchange management system reform.The safe has said,The reform implementation of more than a month,Have produced results.In the reform process,Trade in goods to foreign exchange management related administrative licensing items from the past 19 minterm simplified as four events,A total of 116 pieces and abolish the trade foreign exchange management related normative documents.In the positive conversion of government functions,Sharply reduce the number of items of administrative examination and approval at the same time,Establish and perfect the operation procedure and standard,Perfecting the system of internal control,To improve the administrative efficiency. 

　　近日，京城一家进出口贸易公司的出纳小骆在接受记者采访时说，“以前至少要两天，现在只要短短几分钟，真是太方便了！”在提到货物贸易外汇管理改革大幅简化了到银行办理进出口收付汇业务的流程时，他显得很兴奋。 

recently,City an import and export trading company by cashier small when accepting a reporter to interview,"At least two days before,Now only a few minutes,Is really convenient!"When it comes to trade in goods to foreign exchange management reform greatly simplified to a bank to deal with the import and export business flow consignments,He was very excited. 

　　上世纪90年代初，我国对企业实行了进出口货物流与资金流逐笔对应、现场核销的管理制度，该制度在很长一段时间内与我国宏观经济和外贸形势相适应，在督促企业及时足额收汇、防范出口骗税及打击逃汇等方面起到了积极作用。但随着我国对外贸易规模的迅猛增长，进出口收付汇逐笔核销管理方式难以适应贸易方式和主体多样化的需要。为此，国家外汇管理局在2010年推出进口付汇核销改革的基础上，于2012年8月1日起已在全国范围实施了货物贸易外汇管理制度改革。 

In the early 1990 s,To our country enterprise to implement the import and export goods flow and cash flow corresponding chase/Field verification management system,This system in very long period of time and the macro economy and foreign trade situation to adapt,In the urge enterprise timely full specified amount in the/Export tax fraud and evasion of prevention against aspects which has played a positive role.But as China's foreign trade scale growth,Import and export consignments chase cancel after verification management mode is difficult to adapt to the trade mode and the need of diversification of subjects.therefore,The state administration of foreign exchange in 2010 launched import payment based on the reform of cancel after verification,In August 2012 1 has set up a file in the nationwide implementation of the trade in goods to foreign exchange management system reform. 

　　外汇局介绍，改革的主要内容包括，一是简化进出口贸易收付汇业务办理手续和程序。外汇局取消进出口收付汇核销制度，企业不再到外汇局办理逐笔核销手续；取消出口收结汇联网核查，合规企业出口收结汇不受额度限制；取消对企业预收货款和延期付汇等贸易信贷的事前比例管理，改为事后的动态监测；简化进口购付汇单证，合规企业可根据真实合法的进口付汇需求在银行提前购汇，可凭进口报关单、合同或发票等任何一种能够证明交易真实性的单证在银行直接办理付汇。二是调整出口报关流程，简化出口退税凭证。企业办理出口报关和申报出口退税时均不再提供核销单。三是通过总量核查、动态监测和分类管理方式提升监管手段。外汇局非现场总量比对企业的进出口货物流与资金流，对企业进行分类管理和动态监测，切实防范外汇收支风险。四是加强部门联合监管，外汇局、海关、税务进一步加强合作，完善协调机制，实现数据共享，形成监管合力，严厉打击各类违规跨境资金流动以及走私、骗税等违法行为。 

Introduced the,The main content of the innovation of including,One is to simplify the consignments import and export trade business formalities and procedures.The import and export of cancel consignments cancel after verification system,Enterprise is no longer safe to deal with chase cancel after verification procedures;Cancel the export the settlement of exchange online check,Compliance enterprises to export the settlement of exchange from quotas;Cancellation of the enterprise deferred payment for goods and deferred payment and trade credit prior scale management,Instead of ex post facto dynamic monitoring;Simplified import 购付汇 documents,Compliance enterprise according to the real legal import demand payment in the bank purchase in advance,But by the import customs declaration/Contract or invoice etc. Any one can prove the authenticity of the transaction documents in the bank for payment directly.The second is to adjust export customs clearance process,Simplified export tax rebate vouchers.Enterprises apply for export customs clearance and declaration exports drawback are no longer provide verification sheet.The third is through the total amount check/Dynamic monitoring and classification management way upgrade regulatory means.The total amount of the off-site than enterprise import and export goods flow and cash flow,To the enterprise carry on the classified management and dynamic monitoring,To prevent the risk of foreign exchange receipts and payments.The fourth is to strengthen the department joint control,safe/The customs/Tax to further strengthen cooperation,Perfect coordination mechanism,Realize data sharing,Formation supervision force,Crack down on all kinds of illegal cross-border capital flow and smuggling/Tax fraud and other illegal behavior. 

　　据了解，货物贸易外汇管理制度改革实施一个月来，在便利贸易活动、服务实体经济等方面的积极作用已经显现。具体表现在，银行贸易收付汇效率显著提高，银行柜台办理收结汇业务由平均每单26分钟缩短为9分钟，售付汇业务由平均每单23分钟缩短为6分钟。企业对外贸易收付汇时间明显缩短，往返外汇局、银行之间的“脚底成本”大为减少，投入贸易收支业务的人力资源减少了三分之一，平均每家企业每年因此节省的工资费用可达7万余元，东部发达地区大型企业甚至可节省20多万元，降低了企业进出口经营成本，有利于提升外贸竞争力。 

It is understood,Trade in goods to foreign exchange management system reform implementation for a month,Convenient in trade activities/Service entity economy positive role has revealed.Specific performance in,Bank trade consignments efficiency improved significantly,The bank counter for the settlement of exchange business by average every single 26 minutes shortened to nine minutes,Payment of business by an average of 23 minutes every single reduced to 6 minutes.Foreign trade enterprise consignments time significantly shortened,Return safe/Between the bank"Foot cost"Greatly reduce,The balance of payments into business human resource dropped by a third,Average each enterprise each year so saving salary expenses can reach more than 70000 yuan,The developed region in the eastern large enterprises can save even more than 20 ten thousand yuan,To reduce the enterprise cost of import and export business,Help to promote foreign trade competitiveness. 

　　另外，改革后，占全部企业95%以上的守法合规企业充分享受到货物贸易外汇收支政策便利；外汇局借助信息化手段，筛选存在异常的企业，通过动态监测、现场核查、分类管理，对少部分存在可疑或违规行为的企业进行严格监管，实施精准打击。截至今年8月末，全国超过1500家“空壳企业”被注销名录，银行不再为其办理贸易收付汇；近700家存在异常情况或涉嫌逃套汇等违法违规行为的企业的贸易外汇收支业务受到了不同程度限制。 

In addition,After the reform,More than 95% of the total enterprise law compliance enterprise enjoy fully to trade in goods of revenues and expenditures in foreign exchange policy is convenient;By means of the information,Screening abnormal in enterprise,Through the dynamic monitoring/Field verification/Classification management,For a few existence suspicious or illegal behavior of the enterprise carries on the strict supervision,Implement precision strike.By the late August this year,The national more than 1500"Shell enterprise"Be cancelled list,The bank no longer handle the consignments trade;Nearly 700 home exists abnormal situation or current suspected of illegal activities such as enterprise trade business of revenues and expenditures in foreign exchange by different degree limit. 

　　“无纸化”通关满月初见成效 

"paperless"Customs clearance full moon produced results 

　　货物通关进入“读秒”时代，海关总署1个月前在上海宣布，自8月1日起，总署将在北京、天津、上海、南京、宁波、杭州、福州、青岛、广州、深圳、拱北、黄埔12个海关启动通关作业无纸化改革试点，将通关过程所有纸质单证转变为电子单证，实现全程无纸化，进一步提高通关效率，降低通关成本。目前无纸化实施满月，已初见成效。 

The customs clearance of goods into the"DouMiao"age,The general administration of customs 1 months ago announced in Shanghai,Since aug. 1,,General administration will be in Beijing/tianjin/Shanghai/nanjing/ningbo/hangzhou/fuzhou/Qingdao/guangzhou/shenzhen/gongbei/Huangpu 12 customs start customs work paperless reform pilot,The customs clearance process all paper documents into electronic documents,To realize the paperless,Further improve customs clearance efficiency,Reduce customs clearance cost.At present the full moon paperless implementation,Have already produced results. 

　　在上海，8月1日上午8点41分27秒宝山钢铁股份有限公司以“通关无纸化”方式向上海海关申报了一批出口冷轧钢卷，片刻之后就收到海关放行回执。此票货物从海关接受申报到发出放行回执仅11秒，标志着上海海关正式启动通关作业无纸化改革试点，向通关全程无纸化迈出坚实的一步。 

In Shanghai,August 1, at 8 a.m. and 41 minutes and 27 seconds baoshan iron and steel co., LTD, based on"Customs clearance paperless"Methods to Shanghai customs declaration a batch of export cold rolled steel coil,Moments later will receive customs clearance acknowledgement of receipt.This ticket goods from customs declaration to accept a release receipt only 11 seconds,Marks the Shanghai customs official start customs work paperless reform pilot,The paperless to customs clearance another solid step. 

　　在江苏，苏州工业园区创伟报关有限公司的李平，享受到了轻松随意的SOHO 生活，其源自苏州工业园区海关于8月1日开始启动的通关作业无纸化改革试点。根据以往的海关通关作业流程，企业在通关时需要打印纸质报关单，并随附合同、发票等纸质单据，向主管海关接单现场递交。实行通关作业无纸化后，企业只需通过网络向海关发送报关单电子数据以及上传电子随附单据即可完成申报，大大节省了往返海关现场递交纸质单证的人力与时间成本。 

In jiangsu,Suzhou industrial park chuangwei declaration co., LTD. Li ping,Enjoy the relaxed and optional SOHO life,The derived from suzhou industrial park customs on August 1, start of the pilot reform of paperless customs clearance operations.According to former customs clearance process,Enterprises in the customs clearance need print paper declaration,And accompanied by contract/Invoice etc. Paper documents,To the competent customs after single site submit.The customs clearance operations after the paperless,Enterprise just through the network to send the customs declaration electronic data and upload electronic attached documents can complete declaration,Save to the customs the paper documents submitted to the manpower and time cost. 

　　在福州，海关信用等级A级和检验检疫信用等级B级以上的企业也可享受便利化通关模式。这是海关和检验检疫机构携手推出的一项重要的通关便利化措施，是两部门切实落实省委关于口岸通关部门积极推进促进贸易便利化政策措施有关要求的重要举措，诚信企业在福州口岸出口货物通关单进入“无纸化”时代。 

In fuzhou,Customs credit rating A level and the inspection and quarantine credit rating class B or more enterprises can also enjoy facilitation customs clearance mode.This is the customs and the inspection and quarantine institutions hand in hand launched an important customs clearance facilitation measures,Is two department of the provincial party committee to practically implement about port customs clearance department actively promote promoting trade facilitation policies and measures related requirements of the important measure,Good faith enterprise in fuzhou port customs clearance form into the export goods"paperless"age. 

　　实现通关单无纸化后，企业免去了到检验检疫机构现场申领纸质通关单及到现场海关递交纸质通关单两个通关环节，出口通关作业环节进一步简化，通关效率进一步提高，企业的通关成本也随之降低。据统计，出口货物通关单无纸化通关模式试行一年，福州海关、福建省检验检疫局共放行出口货物2.07万批，为企业节省通关时间4.14万小时，节省费用约414万元。 

After the customs clearance form to realize paperless,Enterprise to avoid the inspection and quarantine agencies to apply for customs clearance form and the paper submitted to the customs paper customs clearance form two customs clearance link,Export customs clearance operations link further simplified,To further improve customs clearance efficiency,Enterprise's customs clearance cost decreases.According to the statistics,Export goods customs clearance form paperless customs clearance mode to try it for one year,Fuzhou customs/Fujian province inspection and quarantine total release export goods of 20700,For enterprise save customs clearance time 41400 hours,Save cost about 4.14 million yuan. 

　　金融扶持配套政策不到位 普及落实难 

Financial support supporting policies does not reach the designated position Popularization implement difficult 

　　“出口信保企业渗透率约为10%” ，中央财经大学保险学院院长郝演苏表示，“相关保险机构会考虑企业风险、谁来买单问题，为此如果国家不出台货真价实的配套政策，则该政策落实很难。以农业保险为例，保险公司就乐于积极参与，虽然风险大，但目前有财政补贴，这样保险公司承担风险较小。” 

"Export believe the enterprise permeability is about 10%" ,Central university of finance and insurance, dean of the college of hao play Sue says,"Relevant insurance institutions will consider enterprise risk/Who will pay problem,Therefore if countries do not come all wool and a yard wide supporting policies,The policy is difficult to carry out.To agricultural insurance as an example,The insurance company is ready to actively participate in,Although the risk is big,But there are financial subsidies,This insurance company to assume risk smaller." 

　　金融服务应用不足是中国出口企业的“短板”，温总理的这个表态说明已经意识到了这对于解决当下稳定订单的重要性。而总理所提到的“短板”主要是指出口企业很少利用金融工具为自己争取有利的交易条件。 

Financial services is insufficient application of China's export enterprise"Short plate",Premier wen jiabao of the state that have been aware of this for solve the immediate stability of the importance of order.The prime minister mentioned"Short plate"Is mainly pointed out that mouth enterprise rarely use financial tool for oneself strives for favorable terms and conditions. 

　　“一个最明显的例子，大多数企业还是坚持款到发货。” 深圳一达通服务有限公司副总经理肖锋告诉记者，“如果遇到需要赊销或者要求信用付款的客户，由于担心对方无法付款，生意就没法做成。需求也变成了‘没需求’。” 

"One of the most obvious example,Most enterprises still insist on delivery photo." Shenzhen one of general service co., LTD., deputy general manager XiaoFeng told reporters,"If meet the need to sell on credit or require the customer credit payment,Because of fears that the other party can't pay,The business can't make it.Demand also became‘Don't demand’." 

　　近期，温总理在广东调研期间提出，特别要注意发展对小微企业的信用保险，引入商业保险公司开展短期险业务试点，落实好大型成套设备出口融资保险专项安排等稳出口政策。 

recent,Premier wen jiabao in guangdong during the research put forward,Special attention should be paid to development of small micro enterprise credit insurance,Introducing commercial insurance companies to carry out short-term risk business pilot,Implementation of large complete sets of equipment export financing insurance special arrangement steady export policy. 

　　其实，自今年4月开始，中国出口信用保险公司(以下简称“中信保”)已经推出专属小微企业的出口收汇风险保障方案“小微企业信保易”，可以仅支付保费额的10%享有保险。目前面向年出口额在500万美元以下的小微企业，全国预计首批扶持小微企业3万家。不过采访中，东莞一家外贸企业负责人告诉记者，他们没有购买出口信用保险的计划。因为他们是款到发货，风险不大，而购买保险需交一定费用，增加了成本。 

In fact,Since April,China's export credit insurance company(Hereinafter referred to as"Citic insurance")Have introduced exclusive small micro enterprise's export proceeds risk guarantee scheme"Small micro enterprise believe the easy",Can only pay premium frontal 10% enjoy insurance.For years now exports under $5 million little micro enterprise,The first is expected to support small micro enterprise 3.But in an interview,The dongguan a foreign trade enterprise person in charge told reporters,They didn't buy export credit insurance plan.Because they are photo delivery,The risk is not big,And buy insurance pay a fee,Increased cost. 

　　一位商业保险公司的业务人员表示，同类的出口保险在国外费率能做到千分之几，而国内只有中信保一家来做，企业的议价空间比较有限。出口保险中最主要的风险来自于国别风险，这方面的历史数据只有中信保掌握，商业保险公司无法核算风险，自然也就无法进入这个业务领域。 

A commercial insurance company's business personnel said,Similar export insurance in foreign rate can do PPT,And the domestic only citic protect a to do,Enterprise bargaining space is limited.Export insurance the main risk comes from the country risk,The historical data only citic the master,Commercial insurance company can't accounting risk,Nature also can't enter the business areas. 

　　郝演苏认为只有提升整体的金融服务水平，其中之一的出口信用保险问题会自然得到提升而使企业受惠，两者是统一而不是孤立的。 

Hao play Sue think only improve overall financial service level,One of the export credit insurance problem will naturally get promoted and make the enterprise benefit,They are unified and not isolated. 

　　尽管商业保险公司没有参与其中，但是来自民间的金融创新却并没有停止。有些服务企业与中信保合作，建立一个平台，通过这个平台使出口物流服务的企业能够以比较低的费率获得出口信保服务，而且可以凭借贸易单据和保单，到银行进行抵押融资，减轻资金压力。 

Although commercial insurance company did not participate,But from the folk financial innovation but did not stop.Some service enterprise and citic the cooperation,Build up a platform,Through this platform to export logistics service to the enterprises can with a lower rate obtain export believe insurance service,But also with trade documents and policy,To bank mortgage financing,Reduce capital pressure. 

　　“对中信保而言，小微企业的服务成本太高了。”肖锋表示，“服务企业以类似团购的方式以较低的费率向中信保购买出口信保服务，再分别出售给有需要的小微企业，由于我们负责这些企业的整个商检报关、物流融资的过程，因而能够比较及时地监控贸易的风险。” 

"To protect in citic,Small micro enterprise service cost is too high."XiaoFeng said,"Service enterprises in a similar way of group purchase at a relatively low rate to citic the purchase export believe insurance service,Then were sold to need little micro enterprise,Because we are in charge of the enterprise whole commodity inspection declaration/Logistics financing process,Thus can be timely monitoring trade risk." 

　　这种基于供应链的服务创新也得到了业界专家的认可。在中国社会科学院经济研究所所长裴长洪看来，在当前经济形势下，国家支持这种对传统服务业的改造非常必要，由此创造出新的商业模式是有利于提升企业的经营动力的。 

This kind of service innovation based on supply chain has been recognized industry experts.In the Chinese academy of social sciences, director of the economic research institute PeiChangHong looks,In the current economic situation,The state supports to the transformation of the traditional service industry is very necessary,Aiming to create new business mode is conducive to improve the management of the enterprise power. 

　　我们应该清醒地认识到，2012年我国出口形势不好，是长期趋势发生了变化，采用传统的稳出口政策，很难达到预期政策目标。加快结构调整和外贸增长方式转变，尤其应避免短期制定的临时性措施，最终成为转方式、调结构、促平衡的长期障碍。国际、国内形势已经逼迫我们必须两眼向内来应对经济下滑，已经逼迫我们不转型都不行。宏观经济政策，微观工业、企业特别是出口企业都要在国内市场寻求机会，其重点在于各级政府应该具有割舍自身利益的勇气，实施大幅度、全面性减税降费措施，大力度让利于民、让利于社会、让利于中小微型企业，彻底激活社会经济的微观细胞，才能从根本上扭转宏观经济下滑的局面。

We should soberly realize,In 2012, the export situation is not good,Is the long-term trend has changed,The traditional stable export policy,It is difficult to reach the expected policy goals.To speed up the structural adjustment and transformation of the growth mode of foreign trade,Especially should avoid short-term temporary measures formulated,Eventually turn way/Adjustable structure/Promote balanced long-term disorder.international/Domestic situation has persecuted we must two eyes inward to cope with the economic downturn,Have persecuted we don't transformation all not line.Macro economic policy,Microscopic industrial/Enterprise especially export enterprises have to seek opportunities in the domestic market,The focus is to governments at all levels should have the courage to give up their own interests,Implement greatly/Comprehensive tax cuts JiangFei measures,Big efforts benefit to the people/Benefit to society/Benefit to mini, small and medium enterprises,Thoroughly active social and economic microscopic cells,Fundamentally torsional macro economic downturn situation.