海外应收账款特点与风险控制（Characteristics and risk control of overseas accounts receivable）.docVIP

海外应收账款特点与风险控制（Characteristics and risk control of overseas accounts receivable） The subprime mortgage crisis, which broke out in early 2007, has evolved into a global financial crisis and triggered a global economic crisis. The crisis leads to the insufficiency of consumption demand, the shrinking of market, the sharp decrease of bank credit, the shortage of enterprise working capital, and the increase of export credit risk of export enterprises. According to statistics, the bad debt rate of Chinas exports to the United States increased by 3 times in 2008. In the context of the international financial crisis, it is particularly necessary and urgent to analyze and study the new features and new problems of overseas accounts receivable, and to explore the risk prevention measures of accounts receivable. First, the new characteristics of the risk of overseas receivables under the background of the financial crisis (1) the bank credit rating is lowered and the settlement risk is increased The financial crisis poses a fatal blow to the credit system of Bank of America, who scolds the five major Wall Street investment banks or collapse or merger, the insurance giant AIG, CITI BANK and American commercial bank real estate mortgage giants Fannie Mae and Freddie Mac difficult to survive in the United States government huge financial assistance, small and medium sized banks are bankrupt, many large commercial bank credit rating fell sharply. Bank failures and lower credit rating of banks lead to increased risk of default on the issuing bank, and the security of bank settlement has been questioned. Letters of credit, which have always been regarded as a safe and reliable means of payment, are faced with unprecedented challenges. In international trade, the commonly used letter of credit and the method of collecting part of the prepaid payment become no longer safe. China Export and Credit Insurance Corp (hereinafter referred to as the China credit insurance) Zhejiang branch on