“走出去有保险兜底，踏实！”（经济新方位·外贸一线见闻）

Core Viewpoint - The article highlights the importance of export credit insurance in supporting small and medium-sized enterprises (SMEs) in China, particularly in mitigating risks associated with international trade and enhancing their ability to explore new markets [3][4][5]. Group 1: Export Credit Insurance Overview - The Chinese government has emphasized the expansion of export credit insurance coverage for 11 consecutive years in its work reports, indicating its significance in facilitating international trade [3]. - Export credit insurance helps SMEs manage risks related to cross-border economic disputes and provides a safety net for businesses venturing into new markets [4][5]. Group 2: Claims and Support for SMEs - A case study illustrates how a company, 瑞昌工艺品有限公司, successfully claimed approximately 250,000 RMB in insurance compensation after facing a payment default from a bankrupt client [4]. - As of April 2023, the short-term export credit insurance coverage in Fujian province reached 99.3 billion USD, reflecting a 3.5% year-on-year increase, with 7,726 enterprises served, up by 5% [5]. Group 3: New Insurance Products for E-commerce - The introduction of three new insurance products specifically for cross-border e-commerce addresses the unique risks faced by SMEs in this sector, including political risk, platform payment risk, and overseas warehouse sales risk [6][7]. - A cross-border e-commerce company reported insuring goods worth 50 million USD under the new overseas warehouse sales risk policy, highlighting the growing demand for tailored insurance solutions [7]. Group 4: Risk Prevention Services - The company offers services such as credit investigation, credit evaluation, and industry risk analysis to help SMEs identify and mitigate potential risks before they occur [9]. - Digital tools like "Credit Navigation" and "Credit Alarm" have been developed to assist enterprises in assessing potential clients and monitoring credit risks in real-time [10]. Group 5: Future Expectations - SMEs express a desire for improved collaboration between insurance providers and banks to facilitate financing through insurance policies, which would alleviate financial pressures [11]. - There is a call for more precise and relevant information from credit services to better support SMEs in understanding their clients' financial health and creditworthiness [11].