出口信用保险对无锡出口企业经营风险的影响及对策研究

发布时间：2018-06-30 22:07

本文选题：信用保险 + 出口企业　；参考：《东南大学》2015年硕士论文

【摘要】：出口信用保险以促进本国出口贸易,鼓励本国企业开拓海外市场为目的,是各国普遍采用的一种金融工具。中国加入WTO以后,成立了专门经营信用保险业务的中国出口信用保险公司,大力发展我国的出口信用保险业务,从而起到拉动外需,助推经济稳步增长的战略目的。中国出口信用保险公司成立后,业务量逐年增加。特别是金融危机以后,更多的企业看到了出口的风险,纷纷投保出口信用保险,使得出口信用保险对全国一般贸易的渗透率达到约26%。无锡作为出口大市,其企业投保率更高。但是在我们看到信用保险给这些投保企业带来好处之余,我们还看到了存在的一些问题。为了更好的发挥信用保险的作用,投保企业应正确定位信用保险的作用。本文采用理论研究及规范相研究结合的方法,着重分析出口信用保险中的短期出口险对无锡出口企业经营风险的影响,尤其是对出口企业经营风险带来的负面影响进行研究。通过对无锡已参保的出口企业进行系统调研分析,找出企业对信用保险的定位及运作误区,从而提出企业的风险防范对策,为企业以后正确认识和定位信用保险的作用提供参考,为企业规避风险提供方案,使更多的参保企业能够平稳扩大市场份额。本文首先回顾了关于信用保险的相关理论研究,并以此作为研究的基础。其次,通过对出口信用保险行业现状以及无锡经济状况的简单分析,阐述本文选取无锡出口企业作为研究对象的必要性。再次,从“事前、事中、事后”三个层面分别分析出口信用保险中的短期出口信用保险对无锡出口企业经营风险的积极影响以及消极影响。短期出口信用保险对国外买家、融资银行、中国信保在“事前、事中、事后”三个贸易阶段也有不同程度的积极作用与消极作用,这些也会反作用于出口企业,对其经营风险带来一定的影响。最后,出口信用保险并不是万能的,出口企业需要根据自己的实际情况合理开拓市场,强化风险控制。在以上负作用尚未显现的时候,更要通过合理的政策和手段尽量规避上述负面效应对企业经营风险带来的影响。宜兴某Y企业投保出口信用保险后,仍未放松自身风险控制制度的执行,其出口稳步扩大,优质买家的积累帮其夯实了出口基础,使其在国际形势下行的大背景下,仍可以逆势前行。其做法值得其他出口企业借鉴学习。本文是对短期出口信用保险负面效应的首次尝试性探究,为出口信用保险的相关研究提供了新的视角,具有一定的创新性。除此以外,本文从“事前、事中、事后”三个维度分析出口信用保险对出口商、进口商、融资银行、中国信保的积极作用以及消极作用,并对出口商、融资银行、中国信保都提出相关建议,也为出口信用保险的相关研究构建了一个新的研究模型。
[Abstract]:The purpose of export credit insurance is to promote domestic export trade and encourage domestic enterprises to open up overseas markets. After China's entry into WTO, China Export Credit Insurance Company, which specialized in the business of credit insurance, was set up to vigorously develop the export credit insurance business of our country, so as to stimulate the external demand and promote the steady growth of the economy. Since the establishment of China Export Credit Insurance Company, the volume of business has increased year by year. Especially after the financial crisis, more and more enterprises see the risk of export, one after another take out export credit insurance, which makes the penetration of export credit insurance to the national general trade reach about 26%. Wuxi as an export city, its enterprise insurance rate is higher. But while we see the benefits of credit insurance for these insured companies, we also see some problems. In order to better play the role of credit insurance, insured enterprises should correctly position the role of credit insurance. By combining theoretical research with normative research, this paper focuses on the analysis of the impact of short-term export insurance in export credit insurance on the operating risk of export enterprises in Wuxi, especially on the negative impact of the risk on export enterprises. Through the systematic investigation and analysis of the export enterprises that have been insured in Wuxi, this paper finds out the orientation of the enterprises to the credit insurance and the misunderstandings of their operation, and then puts forward the countermeasures of preventing the risks of the enterprises. It provides a reference for enterprises to correctly understand and locate the role of credit insurance in the future, provides a scheme for enterprises to avoid risks, and enables more participating enterprises to expand their market share steadily. This paper first reviews the relevant theoretical research on credit insurance, and regards it as the basis of the research. Secondly, through the simple analysis of the current situation of export credit insurance industry and the economic situation of Wuxi, this paper expounds the necessity of choosing Wuxi export enterprise as the object of study. Thirdly, the positive and negative effects of short-term export credit insurance in export credit insurance on the risk of Wuxi export enterprises are analyzed from the three aspects of "beforehand, in the matter and afterwards". Short-term export credit insurance also has varying degrees of positive and negative effects on foreign buyers, financing banks, and China's credit insurance in the three trade stages of "prior, during and after", which will also counteract to export enterprises. To its management risk brings certain influence. Finally, export credit insurance is not omnipotent, export enterprises should develop market reasonably according to their own actual situation and strengthen risk control. When the above negative effects have not been shown, we should try to avoid the negative effects on the business risks through reasonable policies and means. After a certain Y enterprise in Yixing took out export credit insurance, it still did not relax its own risk control system. Its export has steadily expanded, and the accumulation of high-quality buyers has consolidated its export base and made it under the background of the downward trend of the international situation. You can still go against the tide. Its practice is worthy of other export enterprises to learn from. This paper is the first attempt to explore the negative effects of short-term export credit insurance, which provides a new perspective for the study of export credit insurance. In addition, this paper analyzes the positive and negative effects of export credit insurance on exporters, importers, financing banks, and on exporters and financing banks. The author also constructs a new research model for export credit insurance.
【学位授予单位】：东南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F752.62;F842.682

【相似文献】