唐若昕:信用保险是企业融资的“催化剂”

Tang Ruoxin:credit insurance is financing activator

党的"十七大"报告指出:"实现未来经济发展目标,关键要在加快转变经济发展方式、完善社会主义市场经济体制方面取得重大进展。"扩大国内消费需求,发展国内贸易,实现我国内外贸一体化协调发展,对转变经济发展方式、提高我国经济运行质量具有重要作用。近年来,我国国内外贸易的快速发展,与市场信用体系的不断完善密不可分。尤其值得关注的是,企业已拥有了有效的贸易信用风险保障手段。我国信用保险事业的大踏步发展,为企业扩大贸易规模以及防范恶意拖欠、商业欺诈、三角债等信用风险找到了新的途径。通过利用信用保险的保障功能,精明的企业发现一场商业的革命已经到来:信用保险不仅可以保障企业的货款安全,更可以扩大贸易规模、取得融资便利,使企业实现可持续发展。我国惟一一家政策性信用保险公司——中国出口信用保险公司,在实现出口信用保险业务跨跃式发展基础上,全面推进国内贸易信用保险业务,取得了重要进展。

With the furtherance of reforms of China and the fast development of the market economy, our domestic trades grows quickly in market scale, which is playing more and more important role in prompting the gross economic growth. However, some disadvantages are impacting the domestic trades development negatively, especially the credit risk in market economy, which concludes business cheating, debts default, and so on, has restricted the healthy develop- ment of domestic trades. Now, credit insurance can solve this problem. Credit insurance will not only safeguard the business loans, but also help enterprises to expand trade scale and get financing advantages, which can support enterprises sustainable development. How can credit insurance help enterprises finance？ How can credit insurance bring commercial reform？ Mr. Tang Rruoxin, the President of SINOSURE will tell us the answers.