중국 수출신용보험과 분쟁사례 연구

Abstract

Export credit insurance is a kind of policy-related insurance business in which national finance offers the fund of insurance so as to promote its export and the investment abroad and ensure the interest of its exporters and investors. It is also a commonly used way in the international trade and investment. According to the statistics of international credit and investment insurer association, about 10% of international trade per year are realized under the support of export credit insurance. After entering into WTO, China has been subject to some limitation on direct subsidies for export. Therefore, it is pressing to promote China’s export under the principles of WTO. Based on the experience of some developed countries, Chinese government established China’s export credit insurance company. In 2001, the State Council decided to set up a unified policy-related organization for export credit insurance. Then China’s export credit insurance company was established. From then on, China’s export credit insurance entered into a developing stage. However, compared with the operation and management of the export credit insurance in the developed countries, there are still many problems to overcome in the operation process and the management mechanisms of China’s export credit insurance. The role of export credit insurance cannot be overlooked. It not only undertakes general business risks, but also political risks which will not and cannot be undertaken by private insurance companies. The export credit insurance can provide security for the payment and collection of the enterprises. It also supports them in developing a bigger and newer market in flexible ways. Moreover, it can also provide guarantee for the enterprises in the bank financing. Therefore, with the research of the current development of export credit insurance, we can conclude our shortcomings and proposes substantial policy-related suggestions based on the analysis of real cases and the advanced experience of other countries. As a result, we can improve the system of China’s export credit insurance, effectively control the risks of export enterprises in the international trading, fully play the role of export credit insurance, and improve the development of China’s international trade.