今年经济形势严峻，不少企业出口了甚至无法收回货款。假如企业买了出口信用保险，无法收回的货款就能得到补偿。最近，广东省出台新政，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，东莞在此基础上，把剩余的20%保费进行补贴。这意味着小微企业能免费享受出口保险。相关单位提醒，由于广东省一共安排了1亿元信用保险专项扶持资金，企业先到先得。

This year's economic situation grim,Many enterprises to export the can't even take payment for goods.If the enterprise bought export credit insurance,Unable to recover the loan can get compensation.recently,Guangdong province issued the New Deal,Year after year to 2011, with the amount of $3 million(contain)The following small micro enterprise insured give 80% of financial support,The dongguan based on this,The remaining 20% of the premium subsidies.This means that the small micro enterprise can enjoy free export insurance.Related units to remind,Due to a total of guangdong province arranged 100 million yuan credit insurance of a special support fund,Enterprise first come first served.

　　保费省里补八成市里补两成

Premium province complement eighty percent twenty percent for the city

　　上周，国务院总理温家宝主持召开国务院常务会议，研究确定了八大措施促进外贸稳定增长的政策措施。其中有一条就提到，“扩大出口信用保险规模和覆盖面，特别注意发展对小微企业的信用保险。”

Last week,The state council premier wen jiabao presided the state council executive meeting,Research has identified eight measures to promote the steady growth of foreign trade policy measures.One of which is mentioned,"Expand the export credit insurance scale and coverage,Pay special attention to the development of small micro enterprise credit insurance."

　　南都记者昨日从中国出口信用保险公司东莞办事处获悉，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。2011年年出口额在300万美元(含)以下的小微企业，在中国出口信用保险公司使用“小微企业信保易”，投保给予80%的财政扶持。

SMW reporters yesterday from China's export credit insurance company of dongguan office,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.2011 year by year, with the amount of $3 million(contain)The following small micro enterprise,In China's export credit insurance companies use"Small micro enterprise believe the easy",Insured give 80% of financial support.

　　其实剩下的20%的保费也不用企业出，因为东莞财政为了支持企业出口信用保险，对投保给予20%的补贴。目前东莞外经贸局已经下发相关通知，这意味着企业能免费获得出口信用保险。

In fact the remaining 20% premium also need not enterprise out,Because the dongguan finance to support the enterprises to export credit insurance,For to give 20% subsidy.At present the dongguan foreign trade and economic cooperation bureau has issued related notice,This means that the enterprise can free export credit insurance.

　　最高赔偿比例高达70%

The highest compensation ratio as high as 70%

　　中国出口信用保险公司东莞办事处处长助理陈健彬介绍，目前东莞有4000多家小微企业符合“小微企业信保易”的条件，不过由于新政才出不久，仅有几家企业来投保。

China's export credit insurance company the dongguan office assistant director ChenJianBin is introduced,At present the dongguan has more than 4000 small micro enterprise accord with"Small micro enterprise believe the easy"conditions,But because the New Deal just out soon,Only a few enterprises to insurance.

　　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%，赔偿比例最高可达70%。投保企业全年可获得所交保险费50倍的最高赔偿限额。假如某家企业出口额为100万美元，费率为0 .23%，实际上仅需缴纳2300美元左右的保费，而其放大的保障额度为50倍，即11.5万美元。

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%,Compensation ratio highest can amount to 70%.The insurance enterprise can obtain the insurance premium of pay 50 times the maximum indemnity.If an enterprise exports to 1 million us dollars,Rate is 0 . 23%,In fact only pay about $2300 premium,And the enlarged security limit is 50 times,That is 115000 dollars.

　　投保企业遇到买方破产、无力偿付债务、拖欠、拒收货物等商业风险，或者买方所在国家发生战争、动乱、贸易管制、外汇管制等政治风险，将能够获得保险公司相应赔偿。

Insurance enterprise meet the buyer bankruptcy/Failure debt/default/The rejection of the goods and business risk,Or the buyer's country war/unrest/Restraint of trade/Foreign exchange control and political risk,Will be able to get insurance company the corresponding compensation.

　　陈健彬介绍，该政策对于企业是零成本投保，但是由于政府的扶持资金有限，而且是面向全省的小微企业，企业先到先得，有意向的企业需要尽快办理。目前全省大约还有1000个名额。

ChenJianBin introduced,The policy for the enterprise is zero cost insurance,But because of the support of the government of limited funds,And that is oriented to the province of small micro enterprise,Enterprise first come first served,Interested enterprises need to deal with as soon as possible.The whole province at present about 1000 places.

　　[投保举例]

[for example]

　　单一买方赔付上限5万美元

A single buyer pay $50000 limit

　　某小微企业2011年海关统计出口金额为200万美元。2012年7月1日，该小微企业投保中国出口信用保险公司广东分公司支持小微企业出口专项扶持方案，承保条件为：单一买方赔付金额上限5万美元，赔偿比例70%，费率0 .14%。该企业：

A small micro enterprise 2011 customs statistics export amount of $2 million.On July 1, 2012,This small micro enterprise against Chinese export credit insurance company guangdong branch support small micro enterprises to export a special support scheme,Underwriting conditions for:A single buyer compensate maximum amount of $50000,Compensation ratio of 70%,Rate 0 . 14%.This enterprise:

　　年度保险费为：2，000，000×0 .14%=2800美元

Annual premium for:2,000,000 x 0 . 14% = $2800

　　保单年度最高赔偿金额为：2，800美元×50倍=140，000美元

Policy for the maximum amount of compensation:2,$800 × 50 times = 140,000 dollars

　　假设1：该小微企业向美国买方出口3万美元货物，到期后买方拖欠货款。小微企业向中国出口信用保险公司广东分公司提出索赔申请。中国出口信用保险公司广东分公司审核后，向该小微企业支付赔款2.1万美元(3万美元×70%)。

Hypothesis 1:This small micro enterprise to the buyer's exported us $30000 worth of goods,After the end of the buyer payment in arrears.Small micro enterprise to China's export credit insurance company guangdong branch claim application.China's export credit insurance company after guangdong branch review,To the small micro enterprise to pay reparations $21000($30000 x 70%).

　　假设2：该小微企业向俄罗斯买方出口8万美元货物，后买方申请破产，货款无法收回。该企业向中国出口信用保险公司广东分公司提出索赔申请。中国信保审核后，向该小微企业支付赔款5万美元(8万美元×70%>5万美元)。

Hypothesis 2:This small micro enterprise to Russia the buyer exported us $80000 worth of goods,The buyer after file for bankruptcy,Payment can be retrieved.This enterprise to China's export credit insurance company guangdong branch claim application.China's letter after the audit,To the small micro enterprise to pay reparations $50000($80000 x 70%>50000 dollars).

　　[观察]

[observation]

　　上半年出口出险案同比增超40%

In the first half year-on-year increase export out XianAn exceed 40%

　　今年上半年海外市场持续不景气，海外业务风险陡然增高。中国出口信用保险公司东莞办事处处长助理陈健彬介绍：“今年企业出口风险大了很多，东莞上半年出口出险案件同比增长超过40%。”行业分布上，电子信息、家用电器、纺织业占了大头，累计占了66%。

In the first half of this year the overseas market remains sluggish,Overseas business risk sudden increase.China's export credit insurance company the dongguan office assistant director ChenJianBin is introduced:"This enterprise export risk big many,The dongguan in the first half year-on-year increase export be or get out of danger case more than 40%."Industry distribution,Electronic information/Household appliances/Textile industry accounted for big head,Accumulated accounted for 66%.

　　企业投保数量大增

A number of insurance enterprise

　　中国出口信用保险公司是国内惟一承办出口信用保险业务的政策性保险公司，2005年在东莞设立了办事处。陈健彬介绍，东莞有大量出口企业，一开始出口企业投保并不强，2008年金融危机后企业的投保意识提高很多，2008年大约有三四十家企业投保，去年已经达到180家，今年上半年已经达到了200家，承保金额超过20亿美元。

China's export credit insurance company is domestic only undertake export credit insurance business policy insurance company,2005 years in the dongguan set up offices.ChenJianBin introduced,The dongguan has a large number of export enterprise,The beginning for export enterprise is not strong,After the financial crisis in 2008 enterprise insurance consciousness to improve a lot,In 2008, about 40 enterprises insured,Last year, has reached 180,In the first half of this year has reached 200,Amount insured of more than $2 billion.

　　“我们主要是承保应收账款，比如买家破产倒闭、无法偿付货款，今年境外经济恶化，买家付款能力和意愿都在减弱，有的倒闭了，有的经营不好不断拖欠货款。”

"We mainly accept insurance accounts receivable,Such as buyers went bankrupt/Cannot pay payment,This year foreign economic deterioration,The buyer payment ability and intend to are weakened,Some went out of business,Some business is bad constantly default payment for goods."

　　港台资企业两头在外影响投保

Port taiwan-owned enterprise two head out for influence

　　就算上半年有200家企业投保出口信用保险，但对于东莞上万出口型企业来说，这一数据仍然少得可怜。陈健彬介绍，这一方面是由于办事处2005年才来到东莞，另外人员投入也不够，业务开拓受到限制。

Even if there are 200 enterprises in the first half against export credit insurance,But for the dongguan tens of thousands of export-oriented enterprises speaking,The data is still little.ChenJianBin introduced,This was partly due to office in 2005 came to the dongguan,Additional personnel input is not enough,Business development is restricted.

　　另外还有个重要原因是，东莞出口企业中很多是港资企业和台资企业，他们两头在外，保险公司对接的人是大陆这边的工厂管理者，不是公司首脑，没有决定权，导致沟通决策非常缓慢。

Another important reason is that,The dongguan export enterprise is in many hong kong-invested enterprises and taiwan-funded enterprises,They two head out,The insurance company butt is the mainland side factory managers,Corporate leaders not,No decision,Lead to communication decision very slowly.

　　电子、电器出险金额最高

electronic/The maximum amount of electrical be or get out of danger

　　经济形势恶化导致出险率大大提高，中国出口信用保险公司数据显示，上半年东莞出口出险(企业要不回应收账款)的案件和金额大幅提高，增长超过40%。下半年以来，出险情况则更为严峻。

Economic situation worse lead to ChuXianLv greatly improve,China's export credit insurance company data display,In the first half of the dongguan export be or get out of danger(Enterprise or respond to accept payment)Cases and greatly increased the amount,Growth of more than 40%.Since the second half of,Be or get out of danger situation is more serious.

　　据统计，2012年上半年，欧洲出险的买方个数增长了28 .76%，亚洲增长了31 .72%，北美洲17.47%。金额上，上半年欧洲增长24.85%，亚洲26.60%，北美洲33.05%。

According to the statistics,In the first half of 2012,European be or get out of danger of the buyer number 28 growth . 76%,Asian growth 31 . 72%,North America 17.47%.Amount on,Growth of 24.85% in the first half of Europe,Asia 26.60%,North America 33.05%.

　　从新增的出险金额分布可以看出，电子信息设备及产品制造业出险金额最高，占了27%，家用电器制造业占了25%，纺织业占了14%。这三大产业累计占比高达66%。

From the new be or get out of danger amount distribution can be seen,Electronic information products manufacturing equipment and the maximum amount of be or get out of danger,Account for 27%,Household appliances manufacturing accounts for 25%,Textile industry accounted for 14%.The three big industry accumulated accounted for more than 66%.