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编前语据统计,全球贸易的12%～15%是在出口信用保险的支持下实现的,发达国家出口信用保险的覆盖率在20%～30%之间。而有数据显示,目前我国九成以上的出口是在没有出口信用保险的支持和保障下进行的。出口信用保险是一国为推动本国的出口贸易,保障出口企业收汇安全而开展的一项政策性保险业务。出口信用保险主要承保国外进口商的商业信用风险和国外政治风险,一般由国家财政直接支持。
According to statistics, 12% ~ 15% of global trade is realized with the support of export credit insurance. The coverage rate of export credit insurance in developed countries is between 20% and 30%. And some statistics show that at present, more than 90% of China’s exports are carried out without the support and guarantee of export credit insurance. Export credit insurance is a policy insurance business carried out by a country to promote its own export trade and ensure the safety of foreign exchange collection by exporting enterprises. Export credit insurance mainly covers the commercial credit risk of overseas importers and foreign political risks, which are generally directly supported by the state finance.