出口信用保险的福利经济学分析

运用福利经济学的理论分析发现,外部效应等因素是造成我国出口信用保险投保率低、保费偏高、赔付率高等问题的重要原因。因此,应通过选择合适的出口信用保险模式;实行对以出口信用保险公司为主的税收优惠和财政补贴制度;完善出口信用保险制度,增强创新发展原动力等措施,促进我国出口信用保险业的发展。

Welfare economics theory applied, it is found that external effect is an important reason for low insurance coverage, high premiums and high claims ratio in export and credit insurance. Therefore, we shall choose an appropriate mode for export and credit insurance and adopt tax incentive scheme and financial subsidy system mainly aimed at export and credit insurance companies. Besides, we shall improve export and credit insurance system and strive for innovation to promote the further development of our export and credit insurance.