创新金融服务，临平助力跨境电商“破浪出海”

Core Insights - Cross-border e-commerce has become a significant topic in foreign trade discussions during the national two sessions, with a focus on "stabilizing foreign trade" and "promoting cross-border e-commerce development" [1] - The light asset nature of cross-border e-commerce leads to financing difficulties and risks from a complex international environment, which restricts the development of e-commerce enterprises [1] Group 1: Financing Solutions - Hangzhou's Linping District is implementing comprehensive financial service reforms to address financing challenges for cross-border e-commerce, utilizing credit insurance, data verification, and supply chain finance [1] - From January to May this year, Linping's cross-border e-commerce customs export value increased by 282% year-on-year [1] - The district has introduced a "cross-border e-commerce data loan" that uses real business data as a key credit indicator, allowing companies to access funds without traditional collateral [5] - As of now, the cross-border e-commerce data loan has provided 3.8 billion yuan in unsecured credit loans to 37 enterprises, with interest rates 15 basis points lower than the industry average [5] Group 2: Risk Management - The new cross-border e-commerce comprehensive insurance launched by Linping District addresses various risks, including overseas policy risks, platform payment risks, and overseas distribution risks, with a maximum compensation ratio of 90% [7] - The insurance scheme has already benefited four leading enterprises in Linping, with a total insured amount of 1 billion USD, enhancing their confidence in facing unexpected events [7] - The management of Senbo Clothing expressed that the new insurance helps evaluate platform operations and provides necessary insurance services, allowing the company to expand into new markets more confidently [7]