出口信用保险正在成为江苏外贸企业头顶上最大的“保护伞”。

Export credit insurance is becoming jiangsu foreign trade enterprise head's largest"umbrella".

　　据中国出口信用保险江苏分公司（简称“江苏信保”）透露，截至2012年12月17日，今年出口信用保险累计向江苏出口企业支付赔款达1.05亿美元。

According to China's export credit insurance jiangsu branch(Referred to as"Jiangsu believe the")revealed,By the end of 2012 on December 17,,This year total export credit insurance to jiangsu export enterprise to pay reparations to $105 million.

　　据介绍，出口信用保险是国际通行的支持出口的政策手段。今年以来，伴随着全球经济下行、外需萎缩、融资环境恶化的新形势，出口企业因国外买家破产、拒收或拖欠货款而受损的事例屡见不鲜。面对复杂的国际市场，我省越来越多的企业开始利用出口信用保险这一工具抵御和管理出口风险。

According to introducing,Export credit insurance is an international popular support export policy means.Since this year,Along with the global economy down/Overseas market demand atrophy/The new situation of the financing environment deterioration,Export enterprises for foreign buyers bankruptcy/Rejection or default payment for goods and damaged cases common occurance.Facing the complicated international market,In more and more companies began to use this tool export credit insurance against and management export risk.

　　数据显示，截至目前，今年我省投保出口信用保险企业数量同比增长了166.3%，承保的出口额达379亿美元，目前江苏有超过1/4的一般贸易进入了出口信用保险的“避风港”。在我省很多企业心目中，出口信用保险已经成为他们抢市场、接订单、防风险，大胆走向国际市场的一颗“定心丸”。

Data display,So far,In our province this year for export credit insurance enterprise quantity growth of 166.3% year-on-year,Insured exports reached us $37.9 billion,At present more than a quarter of the jiangsu general trade into the export credit insurance"haven".Many enterprises in our province to mind,Export credit insurance has become they rob market/Receive orders/Risk prevention,Bold to go into the international market a"this".

　　小微企业的“最后防线”

Small micro enterprise"The last line"

　　12月4日，江苏信保收到了句容一家名叫宝利工艺品有限公司的感谢信。

On December 4,,Jiangsu letter to a group of jurong named polly handicraft co., LTD. Thank-you note.

　　半年前，宝利公司在参加句容市小微企业出口信用保险政策宣讲会后，现场投保了小微企业“信保易”产品。没曾想，4个月后就见识到了这一保险的好处。

Six months ago,Polly company in the GouRongShi small micro enterprise export credit insurance policy after the preaching,For the small micro enterprise"Believe the easy"products.Don't ever wanted to,Four months after the knowledge to the insurance benefits.

　　8月，宝利公司一个合作多年的希腊老买家在货物到港后，突然以其下游买家不接受货物为由，拒绝按照合同约定付款自从2008年开始做出口以来，宝利公司还从未遇到此类情况。

August,Polly a cooperation years of Greek old buyers of the goods to the port after,Suddenly with its downstream buyers do not accept for goods,Refuse to pay according to contract agreement since 2008 to do since the export,Polly company also has never met such situation.

　　此时，货物滞留将产生高额滞港费用，拖回的话，运费杂费也高得惊人，企业负责人焦急万分。关键时刻，他想起了手中的那张保单。

At this time,Cargo retention will produce the high cost railway,Tow words,Freight and miscellaneous charges is surprisingly high,The responsible person of the enterprise very worried.Critical moment,He thought of the hand that piece of policy.

　　江苏信保在接到报损后，立刻帮助企业梳理案情，积极向买家进行追讨，不久便收到买家回款5000多美元。对无法追回的部分货款，江苏信保按照保单约定，对其实际损失金额的70%予以了赔付，最大程度地帮助企业减少了损失。宝利公司从正式提交索赔至收到赔付通知书，仅用了14天。

Jiangsu letter in the received after the loss,Immediately help enterprises to comb the case,Actively to buyers for visit,The buyer returns soon received more than $5000.Unable to recover for part of the payment for goods,Jiangsu believe insurance policy in accordance with the contract,The actual loss amount shall be 70% of the settlement,The biggest degree ground help enterprises to reduce the loss.Polly from company formally submitted a claim to receive notice of claims,Only with 14 days.

　　“出口信用保险是我们企业的最后一道防线，也给我们小微企业的继续健康发展增添了信心。”宝利公司负责人说。

"Export credit insurance is our enterprise's last line of defense,Also give us small micro enterprise continued healthy development added confidence."Polly company officials said.

　　同样的感激之情，今年已经有多家小微出口企业表达过。据了解，今年江苏信保与省有关部门合作，在全省推开了小微企业出口风险基本保障机制，已经为超过3727家的小微出口企业提供了专业的小微企业“信保易”服务。据江苏信保理赔追偿处负责人介绍，今年已接到小微出口企业报损案件25件，其中7件已经得到快速理赔，总赔款接近17万美元。

The same gratitude,This year has many small micro export enterprise expressed.It is understood,This year the province of jiangsu letter with the relevant departments of the cooperation,In the province opened the small micro enterprise export risk basic safeguard mechanism,Has more than 3727 small micro export enterprises to provide the professional small micro enterprise"Believe the easy"service.According to the jiangsu believe insurance claims recovery place chief introduction,This year has received little micro export enterprise loss case 25 pieces,Seven parts has been rapid claims,The total loss of nearly $170000.

　　英国老店破产伤及苏企

British old wounds and Sue enterprise bankruptcy

　　江苏信保有关人士在采访时说，出口企业一旦受损，不仅仅意味着出运货物的损失，更是与客户多年合作关系的终结。后者对企业的影响虽然无形，但打击其实更大。江苏信保在及时作出赔付，帮助企业挽回直接损失的同时，也经常尽可能地帮助企业保留或维持贸易关系。今年一家英国百年老店破产引发的一连串连锁反应，就是一个生动的例子。

Jiangsu believe the authorities in an interview,Export enterprise once damaged,Not only means the loss of the shipment of goods,With more customers for the end of the relationship.The latter influence on the enterprise although intangible,But in fact more big blow.Jiangsu letter in the claims in a timely manner,Help enterprises to save direct loss at the same time,Often as far as possible, help enterprises to keep or maintain trade relations.This year a British one hundred years old shops bankruptcy triggered a series of chain reaction,Is a vivid example.

　　2012年年初，英国一家拥有数百家门店，有着上百年历史的大型连锁超市突然申请破产重组。这让众多供货商措手不及，仅我省就有6家外贸企业面临巨额损失。除了超过150万美元的收汇损失，企业还有超过400万美元的备货待出口，各家企业心急如焚。

In early 2012,A British have hundreds of stores,With hundreds of years history in the large chain supermarket suddenly file for bankruptcy reorganization.It makes many suppliers unprepared,In our province only have six foreign trade enterprises are facing huge losses.In addition to more than $1.5 million in losses,Enterprise and more than $4 million in stock up to export,Each enterprise worried.

　　江苏信保在收到报损后，第一时间启动海外律师合作渠道，向英国法院交涉并登记债权，很快就帮助投保企业挽回上百万美元的损失。

Jiangsu letter in the received after the loss,The first time start overseas lawyer cooperation channels,British court to negotiate and registration creditor's rights,Soon to help insurance enterprise save millions of dollars in damage.

　　对企业的实际损失，江苏信保进行了快速理赔，赔款总金额接近80万美元。考虑到投保企业还有价值400万美元的备货，江苏信保利用其专业渠道，直接与这家破产老店的接管企业进行沟通，最终达成协议：该老店破产重组后，江苏几家企业已经备货的产品可以继续出运。

To the actual loss of the enterprise,Jiangsu believe the insurance claim quickly,Reparations total amount of nearly $800000.Considering the insurance enterprise and $4 million worth of stock up,Jiangsu believe the use of its professional channel,Directly with the bankruptcy of the takeover old communication,Finally reached an agreement:The old after bankruptcy reorganization,Jiangsu several companies have stock up products can continue shipment.

　　这样，通过江苏信保的专业服务，一家老店的破产不仅没有给我省的供货企业带来大的损失，而且还在信保的穿针引线下，继续维护了双方的贸易合作关系。

this,Through the jiangsu believe the professional service,A bankruptcy of old not only in our province to the supply of enterprise to bring the big loss,But also in the letter of the thread a needle,Continue to maintain the both sides trade relations of cooperation.

　　实际上，今年以来，随着欧债危机的进一步发酵，作为我省外贸传统市场的欧美国家贸易风险也在逐步加大，尤其是一些合作多年的老客户、老买家破产案件显著增多，很多外贸企业防不胜防，损失案例频发。相比于国际贸易中传统的拖欠风险，破产风险增长态势明显。

In fact,Since this year,With the debt crisis further fermentation,As a foreign trade in our province traditional market the European and American countries trade risks are step by step,Especially some old customers cooperation for many years/Old buyers bankruptcy cases increased significantly,A lot of foreign trade enterprise scout,Loss frequent case.International trade than traditional default risk,Bankruptcy risk to rise significantly.

　　根据江苏信保的统计，今年1~11月年破产案件数量及金额均上升超过三成，国际买方破产已成为我省出口企业当前最为突出的收汇风险。

According to the jiangsu believe the statistics,This year 1 ~ 11 months in a bankruptcy case quantity and amount are up more than thirty percent,International buyer's bankruptcy has become our province export enterprise current the most outstanding in the risk.

　　闯荡

make

　　新兴市场

Emerging markets

　　要防“老赖”

To prevent"LaoLai"

　　年初，省内一大型化工外贸公司向江苏信保报案称，他们运往阿根廷一买家价值200多万美元的产品遭到拖欠。

early,In a large chemical trade company to jiangsu believe the report says,They shipped to Argentina a buyer value more than $200 products were in arrears.

　　原来，由于阿根廷当地经济环境低迷，买家销售出现不畅，再加上阿根廷实行政府外汇管制，买家就拖着货款一直不还了。一天天拖下来，这家公司资金周转的压力越来越大。

The original,Because Argentina local economic downturn environment,The buyer sales appear not free,Plus Argentina by the exchange control,The buyer is dragged payment has not been returned.Drag down day by day,The company capital turnover of pressure is more and more big.

　　江苏信保立刻联系了其在南美的合作渠道，敦促该买家签订还款协议，很快就追回了一部分欠款。考虑到省内这家公司资金压力依然巨大，江苏信保对其实际损失部分进行了预赔付，很快120多万美元的赔款就打到了该公司的账上。

Jiangsu believe the immediately contact the avenues of cooperation in South America,Urged the buyer signed a repayment agreement,Soon recover a part of credit.Considering the province the company capital pressure is still great,Jiangsu letter to the actual loss of the the preliminary settlement,Soon more than $120 in reparations call to the company's account.

　　记者了解到，今年以来，由于国际大环境的缘故，以“金砖四国”为代表的新兴市场一反前几年的抢眼表现，贸易风险也不容小觑。与欧美等传统市场相比，新兴市场国家市场潜力大，准入门槛低，利润率较高，吸引了很多外贸企业的目光。尤其是我省众多医药化工企业，更是把新兴市场作为主要的出口目的地。

The reporter understands,Since this year,Because the sake of international environment,to"bricks"As a representative of emerging market a few years ago against strong performances,Do not underestimate the risk of trade.Compared with Europe and the United States and other traditional markets,Emerging market countries market potential,Admittance threshold low,Higher profit margins,Attracted many foreign trade enterprise eyes.Especially in our province many pharmaceutical and chemical industry enterprise,Is the emerging market as the main export destination.

　　但同时，新兴市场与相对成熟的欧美市场相比，其经济稳定性和商业信用环境相对不佳，信息也相对不对称，单个出口企业闯荡新兴市场往往面临很多未知的风险。

But at the same time,Emerging market and relatively mature than the European and American market,Its economic stability and commercial credit environment relative not beautiful,Information asymmetry is relatively,A single export enterprise make emerging markets often face a lot of unknown risks.

　　为支持企业在抓机遇、拓市场的同时，有效防范风险，江苏信保通过专业的资信调查、风险预警等风险辨识手段，帮助企业在事前甄别买家信用，积极地抢市场、抢订单。同时，对在新兴市场发生收汇损失的企业，江苏信保积极运用其在当地的合作渠道和快速的理赔追偿通道，帮助企业挽回损失。

To support the enterprise in the grasp the opportunities/To develop market at the same time,Effectively guard against the risk,Jiangsu believe insurance through the professional credit investigation/Risk early warning and risk identification method,Help enterprises in the prior screening buyer credit,The market actively/Rob order.At the same time,In the emerging market occur in the loss of the enterprise,Jiangsu believe the positive use its local cooperation channels and fast settling recovery channel,Help enterprises to recuperate.

　　据介绍，今年以来，江苏信保支持全省企业向新兴市场出口超过142亿美元，同比增长了31.4%,挽回新兴市场出口的直接损失超过2917万美元，仅化工行业获得的赔款就将近千万美元。

According to introducing,Since this year,Jiangsu believe the support the enterprise to emerging market exports more than 14.2 billion dollars,Growth of 31.4% year-on-year,Save emerging market exports direct loss more than 29.17 million dollars,Only chemical industry have reparations is nearly $.

　　另据介绍，企业还能通过出口信用保险的保单进行融资。今年我省出口企业通过信保保单获得融资已经超过29.5亿美元。

The other according to introducing,Enterprise can also through the export credit insurance policy for financing.Export enterprises in our province this year through faith insurance policy for financing has more than 2.95 billion dollars.