出口信用保险不但可以降低企业收汇风险，通过保单融资还可以解决令企业头疼的资金压占问题

Export credit insurance not only can reduce the enterprise in the risk,Through the policy financing can make the enterprise have a headache to solve the problem of fund pressure

　　目前，我国出口贸易的坏账总额超过6000亿美元；面对巨额损失，许多企业表现得手足无措，甚至选择忍气吞声，投保出口信用保险的国内企业不足1/10……19日，“成长型外贸企业国际化经营实务培训”在济南举行，与会专家给出的一组组数据触目惊心。

At present,China's export trade of bad assets worth more than 600 billion dollars;In the face of the huge losses,Many enterprises played overwhelmed,Even choose submit to humiliation,Export credit insurance for domestic enterprise less than 1/10...19,"Growth of foreign trade enterprise internationalization operation practice training"Held in jinan,The experts given groups data deceived.

　　“今年以来，世界经济复苏趋势不明朗，欧美主要经济体贸易保护主义盛行，我国对外贸易面临着更为复杂和严峻的局面。国内企业应该迎难而上，学会采取综合措施，多管齐下应对外部风险，不断提高国际化经营能力。”会议主办方——中国贸促会经济信息部副部长贾槐表示。

"Since this year,The world economic recovery trend uncertain,Europe and the United States trade protectionism in major economies,China's foreign trade faces more complex and severe situation.Domestic enterprises should grasp the nettle,Learn to take comprehensive measures,Multi-pronged approach.we cope with external risk,Constantly improve the ability of international operation."Conference organizers - China economic information JiaHuai ccpit deputy minister said.

　　追账公司或助一臂之力

After accounting company or lend a helping hand

　　“业界公认，我国出口贸易中至少有5%的坏账率。照此计算，2010年、2011年我国坏账额分别达到788.97亿美元和949.65亿美元；1990年至2011年出口贸易坏账总额为6110亿美元，接近2011 年山东省7210亿美元的国民生产总值。”美国高特兄弟律师事务所律师、北京世泽律师事务所合伙人王东透露。

"Industry recognized,China's export trade at least 5% of the bad debt rate.According to the calculation,In 2010,/In 2011, bad debt amount reached $78.897 billion and $94.965 billion;From 1990 to 2011, export trade bad loans totaling us $611 billion,Close to 2011 In shandong province the gross national product of $721 billion."The United States coudert brothers lawyer/Beijing world glory law firm partner wang dong said.

　　在王东看来，海外欠账之所以愈演愈烈，主要原因是国际经济环境的不稳定性以及国际贸易保护主义的抬头，其中美国次贷危机、欧洲债务危机是“催化剂”。从企业自身原因来看，主要表现在对合同的重要性认识不足，对贸易伙伴不做资信调查，大量采取汇付、托收等信用结算方式，为达到促销目的，多采取宽松的销售政策，如延期付款销售、赊销等。

Wang, it seems in,The overseas greatly intensified,The main reason is the international economic environment of stability and the international trade protectionism looked up,One of the American subprime mortgage crisis/European debt crisis is"catalyst".From the enterprise to its own reason to see,Mainly displays in did not realize the importance of the contract,Trading partners to do credit investigation,A large number of take remittance/Collection and credit settlement way,To achieve the purpose of sales promotion,Many take loose sales policy,Such as deferred payment sales/Credit, etc.

　　那么，如何防范海外贸易坏账风险呢？王东认为，首先应当建立前期资信调查和评估机制，注意交易对象和所在国家的信用等级，尤其要提防“侨骗”。同时，要充分利用分散风险的金融工具，建立债权保障机制，比如出口信用保险、福费廷业务、保理业务等。

so,How to prevent overseas trade bad debt risk?Wang dong think,First shall establish the credit investigation and evaluation mechanism,Pay attention to transaction object and the country's credit rating,Especially beware of"Cheat overseas".At the same time,To make full use of the diversification of risk of financial instruments,Establish creditor's rights guarantee mechanism,Such as export credit insurance/Forfeiting business/Factoring business, etc.

　　此外，还应加强对应收账款的账龄管理。据了解，发达国家应收账款的账龄不超过60天，中国企业委托收账时货款拖欠时间一般在18个月左右，甚至更长，早已错过追讨的最佳时机。

In addition,Should also strengthen the management of accounts receivable aging.It is understood,The developed countries of the accounts receivable account age not more than sixty days,Chinese enterprises entrusted payment default time general when collection within eighteen months,Even more,Already missed the best time to visit.

　　至于对应收账款的追收，可以通过仲裁机构或诉诸法院解决，还可以通过专业收账机构或律师事务所以非诉方式追收。

As for the accounts receivable after receive,Can through the arbitration institution or appeal to the court to solve,Can also through professional collection agencies or lawyer affairs so after accusing the way.

　　据介绍，后者利用全球化网络和制定的个性化解决方案，相比前者要灵活、方便得多，近年来发展得风生水起，在美国和德国，专业追账公司分别达到6000家和3000家。

According to introducing,The latter using global network and make personalized solutions,Compared with the former to agile/Is much more convenient and,In recent years development flawed,In the United States and Germany,Professional after account company reached 6000 and 3000.

　　出口信用保险越来越实惠

Export credit insurance is more and more benefits

　　“我国出口企业中中小企业占了绝大多数，许多企业的经营状况非常艰难，在国际贸易中缺乏自我保护和防范意识是一个重要原因。”中国出口信用保险公司济南办事处业务主管郭利表示。

"Our export enterprises accounted for the vast majority of small and medium-sized enterprises,Many enterprise's state of operation is very difficult,In international trade, the lack of self-protection and awareness is an important reason."China's export credit insurance company jinan office the competent business GuoLi said.

　　郭利表示，出口企业关注的核心问题是订单，这可以通过提高产品质量、降低产品价格实现，也可以通过灵活的结算方式来实现。出口信用保险不但可以降低企业收汇风险，通过保单融资还可以解决令企业头疼的资金压占问题。

GuoLi said,Export enterprises pay attention to the core of the order,This can be done by improving product quality/To reduce the price of a product realization,Can also through the agile settlement way to realize.Export credit insurance not only can reduce the enterprise in the risk,Through the policy financing can make the enterprise have a headache to solve the problem of fund pressure.

　　据介绍，出口信用保险能承保的风险包括商业风险和政治风险，前者针对的是破产或无力偿债、拒绝接收货物、拖欠货款等现象，后者针对的是禁止或限制汇兑及发生战争、暴动等现象。以中国出口信用保险公司推出的两个方案来看，费率分别为0.3%和0.7%，赔付比例分别可以达到70%和90%。

According to introducing,Export credit insurance to cover risk including business risk and political risk,The former aims at is the bankruptcy or insolvency/Refuses to accept the goods/The phenomenon such as default payment for goods,For the latter is prohibited or restricted in exchange and war/Phenomenon such as riots.With China's export credit insurance company launched two plan to see,Rate were 0.3% and 0.7% respectively,Compensation ratio can reach 70% and 90% respectively.

　　“近年来，国家对出口信用保险日益重视，各地也相继出台了相应的补贴措施。”郭利说，为鼓励小微企业“走出去”，我省对出口信用保险保费的补贴比例是30%以内，济南市是50%以内(不含省级补贴)，最后企业交纳的费率只有20%左右，十分划算。

"In recent years,Countries to export credit insurance pay more attention to,All also have issued the corresponding subsidy measures."GuoLi said,To encourage small micro enterprise"Go out",Our province to export credit insurance premium subsidies proportion is less than 30%,Jinan is within 50%(Does not contain the provincial subsidies),The enterprise will pay rate is only 20%,Very cost-effective.