最近围绕中国出口信用保险公司（下称中国信保）的消息层出不穷，中投注资200亿元、中国信保董事会成立以及“中信保回应浙商索赔五年无果”等等，不过笔者认为最大的事件莫过于，中国信保长期垄断的出口信用保险市场部分放开后，其将面临前所未有的严峻挑战。

Recent surrounding China's export credit insurance company(The letter says China insurance)News emerge in endlessly,Bank capital is 20 billion yuan/Chinese believe the board of directors and established"In response to the zhejiang businessmen claim without five years"etc,But the author thinks that the biggest event is,Chinese believe the long-term monopoly of export credit insurance market part after let go,It will face unprecedented challenges.

　　作为政策性保险公司的中国信保由国务院批准成立于2001年，是由当时办理出口信用保险业务的中国人民保险公司和中国进出口行各自代办的相关业务合并而成。可以说，中国信保自成立起就在出口信用保险市场占据着垄断地位，也是目前保险行业仅有的4家副部级央企之一。

As the policy insurance company of China insurance letter by the approval of the state council was founded in 2001,By a then handle export credit insurance business of the people's insurance company of China and China's import and export line for each of the relevant business merger and into.Can say,Since founding the Chinese believe in export credit insurance market occupy a monopoly position,It is also the insurance industry's only four deputy ministry class one of renmin.

　　数据显示，去年前11个月，中国信保实现承保金额3072.2亿美元，增长35%，其中，短期出口信用保险实现承保金额2480.7亿美元，增长33.3%，是上年的2.6倍；中长期出口信用保险实现承保金额114.8亿美元，增长54.5%；海外投资保险实现承保金额226.8亿美元，增长54.1%。

Data display,The first 11 months of last year,Chinese believe the realization amount insured $307.22 billion,Growth of 35%,the,Short-term export credit insurance coverage to realize the amount of $248.07 billion,Growth of 33.3%,Is 2.6 times that of the previous year;To realize long-term export credit insurance amount insured $11.48 billion,Growth of 54.5%;Overseas investment insurance coverage to realize the amount of $22.68 billion,Growth of 54.1%.

　　而随着贸易国际化趋势的加强，出口信用险市场“蛋糕”日益增大。2012年以来，部分发达国家实体经济不断恶化，海外进口商付款能力大幅下降，贸易保护主义日渐抬头，出口企业面临的出口收汇风险和资金回笼缺口加大。不过，对应这些风险的出口信用险业务只能由中国信保经营，也引发了在财产险市场拥有相当话语权的人保财险、平安财险等公司的不满。这些财产险公司只能经营国内贸易的信用保险业务，他们也对出口信用险业务觊觎已久，甚至连外资的财产险公司也在密切关注这一市场的相关状况。

With the trend of international trade to strengthen,Export credit insurance market"cake"growing.Since 2012,Some developed countries the real economy is deteriorating,Overseas importers payment ability to drop considerably,Trade protectionism is looked up,Export enterprises face the risk of export proceeds and the withdrawal of funds gap increase.but,Corresponding to the risk of export credit insurance business only by China insurance business letter,Also caused in the property market have quite the right property insurer/Peace companies such as property of discontent.The property management company can only domestic trade credit insurance business,They also to export credit insurance business has long coveted,Even the foreign capital property are also pay close attention to this market related condition.

　　终于在近日，人保财险从事短期出口信用保险业务的资格获得财政部的批复。人保财险从今年1月1日起正式试点，开展保障信用期限一般在1年以内、最长不超过2年的出口信用保险业务。人保财险认为，这将加强对外向型小微企业的风险保障服务。

Finally in recently,Property insurer engaged in short-term export credit insurance business eligible for the Treasury's reply.Property insurer from January 1,, formally pilot,To carry out security credit period normally within one year/The longest do not exceed 2 years of export credit insurance business.Property insurer that,It will strengthen the export-oriented small micro enterprise risk security service.

　　市场关于短期出口信用保险对人保财险放开有种种解读，如人保有经营过出口信用保险的历史；此前归于财政部的中国信保因中投注资“易主”，而人保财险母公司中国人保集团归入财政部旗下等。

Market about short-term export credit insurance property insurer to let go of a variety of interpretation,Such as the insurer has run export credit insurance history;After the ministry of finance to China because of the letter the bank capital injection"Easy to master",And the parent company China property insurer insurer group in the ministry of finance, such as under.

　　不过无论出于何种原因，人保财险作为新的竞争者进入短期出口信用保险市场已是事实。短期看，人保财险的加入对出口信用保险市场的影响不会太大，对中国信保也不构成直接威胁，毕竟人保财险获批的出口信保业务仅限于短期，且中国信保在出口险市场经营了11年后已经积攒了相当的优势。

But for whatever reason,Property insurer as new competitors into short-term export credit insurance market is in fact.Short-term see,Property insurer into the export credit insurance market impact will not be too big,In China the letter also does not constitute a direct threat,After all, property insurer approved export believe the business is limited to the short-term,And the Chinese believe in export market risk management 11 years has accumulated a considerable advantage.

　　截至去年三季度末，中国信保累计支持的国内外贸易和投资的规模约9466亿美元，为上万家出口企业提供了出口信用保险服务，为数百个中长期项目提供了保险支持，包括高科技出口项目、大型机电产品和成套设备出口项目、大型对外工程承包项目等，累计向企业支付赔款38.6亿美元。同时，中国信保还累计带动158家银行为出口企业融资超过1.3万亿元人民币。

At the end of the third quarter last year,Chinese believe the total support of domestic and foreign trade and investment scale of about 946.6 billion dollars,Notice for export enterprises to provide the export credit insurance service,For hundreds of Chinese long-term projects provides insurance support,Including high-tech exports/Large mechanical and electrical products and complete sets of equipment export items/Large foreign project contracting projects,Accumulated to the enterprise to pay reparations $3.86 billion.At the same time,Chinese believe the also accumulated drive 158 Banks for export enterprise financing of more than 1.3 trillion yuan.

　　最新数据显示，2012年中国信保已向1838家企业支付赔款11.8亿美元，同比增长24.9%。此外，2012年，中国信保综合运用多种减损手段，帮助投保企业追回海外欠款4亿美元。

The latest statistics show,2012 years has held the 1838 enterprises to pay reparations $1.18 billion,Year-on-year growth of 24.9%.In addition,In 2012,,Chinese believe the comprehensive use of various means of loss,Help enterprise recover for overseas credit of $400 million.

　　不难判断，凭借上述的“成绩”，短期内中国信保的客户资源不会大面积流失，专业业务能力还无人可及，核心人才的聚集更是独此一家。但从长期角度考虑，人保财险进入短期信用险市场对中国信保来说是利空消息，出口信保市场的垄断格局开始被打破，中国信保开始面临竞争是毋庸置疑的了。

It is not difficult to judge,With the above"result",Short-term and held the customer resources not large loss,Professional business ability and no one can,The core talents gathered more alone this one.But from a long-term point of view,Property insurer into short-term credit insurance market in China is bad news for the letter,Export believe the market monopoly pattern began to be broken,Chinese believe the began to face the competition is beyond doubt.

　　可以说，人保财险的加入是一个标志，不排除未来有更多的公司获批从事出口信用保险业务，而这将加强市场竞争，出口信用保险产品的相关费率下调，中国信保的市场份额也面临分割。同时，作为“出口信用险人才黄埔军校”的中国信保将面临专业人才被挖角的威胁，专业技术人才和有资源的人员将成为重点挖角对象。

Can say,Property insurer to join is a sign,Would not rule out future more company approved engaged in export credit insurance business,And this will strengthen the market competition,Export credit insurance product related rate cut,Chinese believe the market share is facing segmentation.At the same time,as"Export credit insurance talents huangpu military academy"Chinese believe insurance will face professionals were dug the threat of Angle,Professional and technical personnel and the personnel resources will become the key to dig Angle object.

　　“我们的好日子到头了”，中国信保的员工在与笔者交流时曾称，言语中似有一丝无奈？还是自嘲？

"That's the end of the day we",Chinese believe the employees in the communication has called,Words are like a helpless?Or laugh at themselves?