福建企业通过投保用好国内国际市场 “有了内贸险，经营更有底”

Core Viewpoint - The article discusses the importance of domestic trade credit insurance (内贸险) for companies in stabilizing cash flow and expanding market opportunities amidst economic fluctuations [1][2][3]. Group 1: Company Overview - Wantai Hardware is a technology-oriented small and medium-sized enterprise engaged in hardware products, mold development, and automotive mechanical parts manufacturing [1]. - The company has been actively exploring both domestic and international markets, with export revenue accounting for approximately 30% of total revenue last year [1]. Group 2: Challenges Faced - The company faces challenges such as extended payment terms and accounts receivable defaults due to international economic fluctuations and domestic economic pressures [1]. - Cash flow issues have arisen as a result of these challenges, prompting the need for risk management solutions [1]. Group 3: Role of Domestic Trade Credit Insurance - Domestic trade credit insurance helps companies mitigate risks associated with buyer defaults, with a maximum compensation ratio of up to 90% for accounts receivable losses [1][2]. - The insurance allows companies to adopt more flexible credit terms and payment periods, facilitating market expansion and increased sales [2]. Group 4: Financial Support and Benefits - The insurance also enhances company creditworthiness, making it easier to obtain financial support from banks [2]. - Local financial regulatory bodies are encouraging insurance institutions to provide high coverage and favorable rates for domestic trade credit insurance products, particularly for companies engaged in both domestic and international trade [2][3]. Group 5: National Initiatives - The National Development and Reform Commission has called for insurance institutions to simplify the insurance process and improve underwriting and claims efficiency for small and medium-sized enterprises [3]. - Various regions are actively promoting domestic trade credit insurance to reduce overall transaction risks and costs, supporting high-quality development of integrated domestic and foreign trade [3].