【头条评论】 助力内外贸一体化 保险业大有可为

Core Viewpoint - The Chinese government is implementing a series of insurance policies to support foreign trade development and enhance the integration of domestic and foreign trade, emphasizing the role of credit insurance in this process [1][3]. Group 1: Policy Implementation - The National Development and Reform Commission and other departments issued guidelines to leverage domestic trade credit insurance to improve the integration of domestic and foreign trade [1]. - The insurance policies aim to provide support for foreign trade enterprises in utilizing both export credit insurance and domestic trade credit insurance effectively [1]. Group 2: Insurance Mechanism - Export credit insurance covers accounts receivable losses due to commercial and political risks faced by foreign trade enterprises, while domestic trade credit insurance addresses risks during the transition of exported products to domestic sales [1]. - The combination of both insurance types enhances financing credibility for foreign trade enterprises, facilitating their access to financing [2]. Group 3: Financing Support - Approximately 90% of global trade relies on bank credit or financing from financial institutions, with credit insurance playing a crucial role in this financing process [2]. - The "insurance + credit + financing" model significantly reduces financing costs for small and medium-sized foreign trade enterprises [2]. Group 4: Risk Management - The Ministry of Commerce is exploring ways to assist foreign trade enterprises in expanding domestic sales channels, emphasizing the need for adequate financing support [3]. - To mitigate risks associated with insurance financing, establishing a domestic credit insurance "co-insurance" system is necessary to enhance underwriting capacity [3]. Group 5: Market Performance - In 2024, China's total goods trade reached 43.85 trillion yuan, with exports of 25.5 trillion yuan and imports of 18.4 trillion yuan, reflecting a year-on-year growth of 5% [3]. - Export credit insurance plays a vital role in managing risks and providing economic compensation, ensuring the stability of exports and imports [3]. Group 6: Future Development - The coverage of export credit insurance extends to 47 countries and regions involved in the Belt and Road Initiative, providing comprehensive risk management services for foreign trade enterprises [4]. - To adapt to new trends in foreign trade, there is a need to optimize regulatory policies for export credit insurance and develop customized insurance products [4].