浅析我国出口信用保险.doc

浅析我国出口信用保险 中南财经政法大学武汉学院毕业论文 浅析我国出口信用保险 摘 要 出口信用保险作为促进外贸安全出口的一项重要的政策性金融工具和国际上公认的 支持出口、防范收汇风险的有效手段，对促进本国国际贸易的发展起到了非常重要的作用， 本文从：承担多项风险，确保收汇安全；有利于缓解企业资金紧张的状况；有利于企业扩 大贸易和融资渠道；提高竞争地位，开拓新兴市场等方面分析了出口信用保险的作用。我 国出口信用保险的发展虽也有近20 年的历史,但完成的承保额占我国出口总额的比重还 非常低,对我国出口贸易的发展所起的作用还有限。随着我国涉外经济的迅猛发展，各种 风险不断增加，出口企业面临严重的信用风险、政治风险及汇率风险，出口信用保险已逐 渐成为国际贸易中不可缺少的金融工具。但出口信用保险发展仍相对滞后，这其中有客观 原因，但还有诸多问题是可以改进和避免的，本文从认识不全面、缺乏操作经验以及缺乏 高素质的专业人才、缺乏法律保障、风险基金严重不足，缺乏有效补充和透明度的预算管 理机制等方面分析了存在的问题。出口信用保险作为一种政策性保险,由于其对出口的保护和促进作用而得到世界各国的重视。本文从加强政府的支持力度,采取灵活的投保方式, 拓宽业务范围,建立风险评估体系,并要加大宣传力度,提高企业风险意识等方面论述了中 国出口信用保险的发展策略,以更全面、有效的措施来实现我国出口信用保险的快速发展。 【关键词】 出口信用保险 作用 存在问题 发展策略 I 中南财经政法大学武汉学院毕业论文 Abstract Export credit insurance is one tool of the important financial policy to promote the foreign trade security.It is internationally recognized as the support of exports,a effective means to prevent foreign exchange risks .It has played a very important role in promoting the development of their international trading, this article make a conclution: assume a number of risks, to ensure the safety of foreign exchange； Help to relieve the short of fund and thus alleviate the situation of enterprises；It is help enterprises to expand the trading and financing channels；Have analyzed the role of export credit insurance in the aspect of enhancing the competitive position and openning new markets. Although there is also has history of more than 20 years, but the underwriting accounted of the proportion of total exports is still very low, the function of developing our countrys export trading is also limited. With the rapid development of foreign-related economy, increasing risks, export enterprises are facing a serious credit risks, political risks and exchange rate risks, export credit insurance has become an indispensable financial tool in the international trading. However, the development of export credit insurance is still relatively backward, there is an objective reason for this, but there are a lot of prob