昨日，重庆市外经委发布消息，针对目前和多小微企业因惧怕外贸风险而不敢接单的现状，重庆市外经委将携手中国出口信用保险公司，引导企业运用出口信用保险规避出口风险，鼓励企业多接外贸订单。其中包括部分区县将由财政全额为企业投保。

yesterday,Chongqing foreign said in a news release,In view of the present and the many small micro enterprise was afraid of the foreign trade risk and can't meet the present situation of the single,Chongqing foreign will, hand in hand, China's export credit insurance company,Guide the enterprise USES the export credit insurance to avoid the risk of export,Encourage enterprises to take the foreign trade order.Including part by area county finance sum insured for the enterprise.

　　昨日，记者从市内多家小微企业了解到，今年由于全球经济下行、收汇风险提高、人工等各类成本上涨等原因，小微出口企业订单下滑三至五成，利润也大大缩水。

yesterday,Reporters from the city much small micro enterprise to know,This year, because the global economy down/Increased risk in the/Artificial and other kinds of costs and other reasons,Small micro export enterprise order three to fifty percent decline,Profits also greatly shrink.

　　企业

enterprise

　　风险增大不敢接外贸订单

Risk increases can't meet the foreign trade order

　　“今年，工厂已停工两个月，这在以前从未出现过。”昨日，重庆云阳中银工艺制品厂负责人王道中告诉记者，2010年10月，他返乡与人合伙创办了一家从事儿童智力竹木玩具的工艺品小微企业。目前产品销往美国纽约、新加坡等，仅去年出口额就达13万美元。今年订单至少下降了50~60%，订单最多的两个月才11万美元。

"This year,Factory has shut down for two months,This in the past have never seen."yesterday,Chongqing YunYang boc craft production factory WangDaoZhong person in charge told reporters,In October 2010,He return home to people partnership established engaged in children's intelligence toys bamboo handicrafts small micro enterprise.The products are sold in the United States, New York/Singapore,Only exports last year reached 130000 us dollars.This order at least 50 ~ 60% down,Order the most two months to $110000.

　　王道中说，由于欧美债务危机影响，上个月一单80万美元的订单硬是没敢接。因为现在国外客户常常延长赊账期，小微企业承担不起跑单风险，只能眼睁睁地错失订单。不仅如此，员工工资也从去年的1200元/月增至1500~1800元/月，产品市场价格也有所下降。“如果再无转机，工厂将生产一些刀把、牛排刀具等，靠内贸市场进行弥补。”

WangDaoZhong said,Due to Europe and the United States debt crisis,Last month a single $800000 order just didn't dare to meet.Because now foreign customers often extend credit period,Small micro enterprise bear not starting single risk,Only helplessly miss order.Not only that,Staff salaries from last year's 1200 yuan/month to 1500 ~ 1800 yuan/month,Product market prices also fell."If there is no transfer,The factory will produce some hilt/Steak tool, etc,By domestic trade market to make up for."

　　重庆劲森珀尔机电有限公司相关人士也表示，公司业务主要以出口通用发电机组为主，出口地区包括印度、柬埔寨等东南亚国家。今年企业开工率仅为60%，较去年下降三至四成。加上人工成本提高，公司只能被迫裁员。

Chongqing jin sen pearl electrical and mechanical co., LTD. Relevant personage also said,The main business of the company to export general generating set is given priority to,Export areas including India/Cambodia and other southeast countries.This enterprise operating rate is only 60%,A drop of 3 to forty percent last year.Plus labor costs increase,The company was forced to layoffs.

　　从事汽摩配件出口的王伟林则亲历了跑单损失，公司曾因非洲买家在港口拒绝提货，也不配合退运或转卖，最后5万美金的货物被海关以17000美金的低价拍卖出去。王伟林称，小企业汽摩配件出口利润很低，一般都在10%以下。十单生意只要跑单一次，利润就全没了。因此他现在只愿与开信用证的企业合作。

Engaged in automobile and motorcycle parts exports is close [the run single loss,The company has in Africa because buyers in port refuse to take delivery,Also don't fit return or resell,The last $50000 of goods by customs to $17000 at a low price auction go out.[says,Small businesses qimo accessories export profit is very low,Generally below 10%.Ten single business as long as ran a single time,Profit is all gone.So now he only willing to open the l/c and the enterprise cooperation.

　　保险公司

Insurance company

　　出口企业投保率不足两成

Export enterprise insurance rate less than twenty percent

　　“今年我市企业出口的货物报损开始增长，其艰难程度与2009年金融危机后的情况不相上下。”中国出口信用保险公司重庆营管部总经理李文炜表示，今年1~9月，重庆营管部接到报损案件已有61起，涉及金额2800多万美元，较去年同期增加63.44%。其中小微企业报损案件就有12件，报损金额累计207.5万美元，同比分别增长3倍、4倍。遭受损失的货物主要是汽摩、通机产品、化工、玻璃纤维、农产品等。

"This year, zhuhai has the enterprise exports goods loss began to growth,The difficult degree and after the financial crisis in 2009 as the situation."China's export credit insurance company chongqing camp tube department general manager LiWenHui said,January to September this year,Chongqing camp tube department received loss case for 61 cases,The amount involved more than $2800,Compared to the same period last year increased by 63.44%.The small micro enterprise loss case has the 12 pieces,Loss amount accumulative total $2.075 million,Growth respectively compared to the three times/Four times.The loss of the goods is mainly the motorcycle/Pass machine products/chemical/Glass fiber/Agricultural products.

　　“在如此恶劣的外部环境下，出口企业要降低海外市场的巨大风险，唯有购买保险，由保险公司承担出口风险。”李文炜称，原来可作为企业收款保障的“银行信用证明”也不保险了，多家重庆企业出口时把欧美银行出具的信用证也拿来投保。出口信用保险成为企业出口的救命稻草。

"In such a bad external environment,Export enterprise to reduce the overseas market the huge risk,Only buy insurance,Shall be borne by the insurance company export risk."LiWenHui says,The original enterprise collection can be used as a security"Bank credit proof"Also not insurance,Several chongqing enterprises to export to Europe and the United States issued by bank letter of credit also brought insured.Export credit insurance become enterprises exporting straw.

　　“投保后，一旦出现买方破产、无力偿还债务、拖欠、拒收货物等商业风险，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时，企业最高可获得赔偿金额为出口损失的90%。”李文炜表示，这个保单不仅能买单风险损失，也能成为小微企业获得融资的有力凭证。一般银行可按投保金额给予80%比例的融资，但最终还是得看银行的决定。不过，记者了解到，重庆市出口额在300万美元以下的小微企业共1280家，占全市出口企业的70%以上，但实际购买保险的小微企业只有159家，投保比例不足两成。

"After insurance,Once appear, the buyer bankruptcy/insolvency/default/The rejection of the goods and business risk,The buyer's country war/unrest/Restraint of trade/Foreign exchange control and political risks,The enterprise can obtain the highest amount of compensation for the loss of 90% export."LiWenHui said,This policy can not only check risk loss,Also can become small micro enterprise get powerful financing vouchers.General bank may according to the amount insured give 80% proportion of financing,But ultimately depends on the decision of the bank.but,The reporter understands,Chongqing export under $3 million little micro enterprise altogether 1280,Accounted for more than 70% of the export enterprise,But the actual purchase insurance little micro enterprise only 159,The percentage for less than twenty percent.

　　在市外经委上述负责人看来，投保比例低，一方面是企业意识还较薄弱，另一方面部分企业认为风险高的海外市场保费费率较高，低风险地区则没必要购买。

The person in charge at the municipal foreign looks,Percentage for low,On the one hand is the enterprise awareness is still weak,On the other hand, some enterprises think of the high risk of overseas market premium rate is higher,Low risk area is no need to buy.

　　李文炜说，按以往规定，购买出口保险的费用平均在出口金额的1%左右。投保后，企业最高可获得赔偿金额为出口损失的90%。而对出口额300万美元小微企业而言，按照0.2%的保险费率进行投保，该企业一年共需要交纳保费6000美元，市级补助2400美元，企业承担3600美元。部分资金少、实力弱的小微出口企业自己支付60%的保费仍“遭不住”。

LiWenHui said,According to the previous provisions,Buy export insurance costs in an average of about 1% of the amount of exports.After insurance,The enterprise can obtain the highest amount of compensation for the loss of 90% export.But to export $3 million small micro enterprise is concerned,According to 0.2% of the premium rate for insurance,This enterprise a year a total of $6000 to pay insurance cost,Municipal allowance of $2400,Enterprise to take responsibility for up to 3600 dollars.Part less money/Strength weak small micro export enterprise pay their own 60% of the premium is still"Was not".

　　政府

The government

　　部分区县由财政为企业投保

Part of the districts and counties for the enterprise by the financial insurance

　　市外经委对外贸易处负责人表示，通过国家财政补贴，企业出口整体保费可下降30%。在此基础上，市外经委再补贴40%。同时，作为政策性保险公司的中国出口信用保险公司重庆营管部今年还推出了“小微企业信保易”，专门为年出口额在300万美元以下的小微企业提供出口收汇风险保障。

From the municipal foreign trade place person in charge said,Through the state financial subsidies,Enterprises to export overall premium can reduce 30%.On the basis of,From the city to 40% subsidy.At the same time,As the policy insurance company of China's export credit insurance company chongqing camp tube department this year also introduced"Small micro enterprise believe the easy",Specifically for annual export volume under $3 million little micro enterprises with export proceeds risk guarantee.

　　“投保的小微企业可自主选择50%~80%赔偿比例的保单。其中单一买方最高赔付10万美元，赔偿比例最高达80%。”李文炜说，小微企业可享受政策性的低费率，还能免申报，最快在企业报损后15个工作日就可拿到赔偿金。目前，公司已与南岸区、璧山县外经委合作，支持年出口300万美元以下的小微企业免费投保出口信用保险。“只要他们愿意投保，重庆市级政策扶持40%费用，剩余的60%由区财政全额扶持。同时中国信保还将降低原有保费支持这次政策性扶持。”李文炜说，下一站他们将与沙坪坝区的企业进行对接。

"Insurance small micro enterprise may independently choose the 50% ~ 80% proportion of the compensation policy.In which a single buyer's highest pay $100000,Compensation for the highest percentage of 80%."LiWenHui said,Small micro enterprise can enjoy the policy of low rate,Can also avoid declaration,The fastest in the enterprise loss 15 working days after we can get the compensation.At present,The company has and nanan distract/From the cooperation of atlracfing,Support export less than us $3 million in the small micro enterprise free insurance export credit insurance."As long as they are willing to cast,Chongqing municipal policy support cost 40%,The remaining 60% by the district financial full support.At the same time, China will also reduce the original letter insurance premium to support the policy support."LiWenHui said,The next station they will and shapingba district enterprise for butt.

　　此外，市外经委对外贸易处负责人表示，为推动“重庆造”出口、抢占国际市场份额，出入境检验检疫局将免收重庆出口企业今年四季度检验检疫费。预计今年四季度，免收的“总盘子”将超过1200万元。

In addition,From the municipal foreign trade place person in charge said,In order to promote"Chongqing made"export/Take the international market share,Entry and exit inspection and quarantine will will be exempted from export enterprises in chongqing this year four quarter inspection quarantine fee.The fourth quarter is expected this year,Will be exempted from the"Total plate"Will be more than 12 million yuan.

　　名词解释

Nouns explain

　　什么是出口信用保险

What is the export credit insurance

　　出口信用保险（Export Credit Insurance），也叫出口信贷保险，是各国政府为提高本国产品的国际竞争力，推动本国的出口贸易，保障出口商的收汇安全和银行的信贷安全，促进经济发展，以国家财政为后盾，为企业在出口贸易、对外投资和对外工程承包等经济活动中提供风险保障的一项政策性支持措施，属于非营利性的保险业务，是政府对市场经济的一种间接调控手段和补充。是世界贸易组织（WTO）补贴和反补贴协议原则上允许的支持出口的政策手段。通过国家设立的出口信用保险机构（ECA，官方出口信用保险机构）承保企业的收汇风险、补偿企业的收汇损失，可以保障企业经营的稳定性，使企业可以运用更加灵活的贸易手段参与国际竞争，不断开拓新客户、占领新市场。

Export credit insurance(Export credit Insurance),Also called export credit insurance,Is governments to improve the international competitiveness of domestic products,To promote its export trade,Security exporters in the safety and bank credit security,Promote economic development,With the national financial backing,For enterprises in export trade/Foreign investment and foreign project contracting economic activity provide a risk guarantee policy support measures,Belong to the non-profit insurance business,Is the government to market economy of a kind of indirect control measures and supplement.Is the world trade organization(WTO)Subsidies and countervailing agreement in principle to allow support export policy means.Through the country the establishment of the export credit insurance institutions(ECA,The official export credit insurance institutions)Cover the risk in the enterprise/Compensation enterprise in the loss,Can guarantee the stability of the enterprise management,Make the enterprise can use more flexible trade means to participate in the international competition,Develop new customers/Occupy new market.