出口信用保险赋能外贸业发展的对策研究  

Research on Countermeasures for Empowering the Development of Foreign Trade through Export Credit Insurance

作　　者：董晓辉 Dong Xiaohui(School of Economics,Liaoning University of International Business and Economics,Dalian,Liaoning 116052)

机构地区：[1]辽宁对外经贸学院经济学院,辽宁大连116052

出　　处：《中国商论》2025年第7期110-113,共4页China Journal of Commerce

摘　　要：当前,我国外贸业面临着国际市场竞争加剧、国际贸易政策与规则变动、汇率波动风险加大、全球化产业链重塑、贸易模式重构及壁垒加速形成等挑战。尽管我国外贸企业利用出口信用保险取得了一些成效,但是还存在覆盖率仍需提高、行业分布广泛且各具特点、高风险行业需求增加等问题。出口信用保险作为政策性金融工具,可通过优化产品设计、简化理赔流程、加强金融合作和技术应用等路径赋能外贸业。政府、保险公司和外贸企业应共同努力,通过扩大覆盖面、制定有针对性的对策、借鉴国际经验提升服务水平、优化政策保障与协调配合、创新出口信用保险险种,从而更好地服务于国家经济发展大局。Currently,China's foreign trade industry faces challenges such as intensified international market competition,changes in international trade policies and rules,increased exchange rate risks,the reshaping of global industrial chains,reconstruction of trade models,and the accelerating formation of trade barriers.Although Chinese foreign trade enterprises have achieved some success through the use of export credit insurance,issues still remain,such as the need to increase coverage,the broad and diverse industry distribution with distinct characteristics,and the growing demand from high-risk industries.As a policy-based fi nancial instrument,export credit insurance can empower the foreign trade industry through optimizing product design,simplifying claims processes,strengthening fi nancial cooperation,and enhancing technological applications.Governments,insurance companies,and foreign trade enterprises should work together to expand coverage,intensify coordinated and fl exible policy support,innovate products and services,enhance risk awareness,and draw on international experience,so that the policy tool of export credit insurance can more eff ectively empower the foreign trade industry and better serve the overall national economic development.

关 键 词：出口信用保险 科技赋能 外贸业 国际贸易政策波动 全球化产业链 产业升级 

分 类 号：F752.69[经济管理—国际贸易] F840[经济管理—产业经济]