"企业经营环境充满不确定性，全球经济仍处于复杂多变的阶段。我认为目前还没有到最艰难的时 刻。"莱莫斯说。 她认为，尽管企业违约在多国均呈上升趋势，但信用保险市场在巴西尚未充分发展，不少企业对这一风 险管理工具仍缺乏了解。"保险常被视为成本，而非保障投资。文化上的保守是信用保险普及的首要障 碍。"莱莫斯补充道。 科法斯信用保险公司总部位于法国巴黎，是全球主要的信用保险机构之一，在拉美地区客户主要包括出 口企业、制造业公司和金融机构，提供贸易风险保障、债权回收和风险评估等服务。 新华财经圣保罗10月10日电 科法斯信用保险公司（Coface）拉丁美洲区首席执行官玛塞莱·莱莫斯9日表 示，受融资成本上升及现金流压力影响，企业违约风险仍在攀升，巴西信贷风险"尚未达到顶点"。 莱莫斯在CNN巴西频道财经栏目《资本洞察》（Capital Insights）采访时指出，尽管巴西央行已暂停加 息，但企业面临的信贷条件依旧紧张，融资难度加大，而消费者违约率上升也在进一步威胁企业现金 流。她预计企业破产及司法重整案例在未来数月可能持续增加。 莱莫斯还表示，近期国际贸易摩擦加剧，特别是美国总统特朗普推出的高关税政策，促使更多企业关 ...

Core Viewpoint - The recent issuance of the "Guiding Opinions on Financial Support for the High-Quality Development of the Sports Industry" by the People's Bank of China and other departments aims to enhance insurance coverage for the sports industry, encouraging the insurance sector to develop tailored products for sports events and athletes [1][3]. Policy Support - The document encourages the introduction of more commercial insurance products for the sports industry, highlighting the growth in road running events, which reached 749 events and 7.05 million participants in 2024, a year-on-year increase of 1 million participants [2]. - There is a need to expand traditional accident insurance to cover high-risk sports like marathons and ice sports, addressing common injuries and rehabilitation services [2]. Current Insurance Landscape - Currently, there are over 100 accident insurance products related to "sports," but only about 10 products specifically for sports events, such as event cancellation insurance and group accident insurance [4]. - The insurance market for athletes includes around 20 products, including disability insurance and accident recovery medical insurance [4]. International Experience - Major sports events face significant risks, including event cancellation due to adverse weather, security threats, and public health issues. The International Olympic Committee has historically purchased substantial cancellation insurance, such as $1.7 billion for the Athens Olympics [6]. - The reliance on digital technology in sports events introduces cybersecurity risks, necessitating independent cyber risk insurance for data breaches and operational disruptions [7]. Future Innovations - Recent innovations in sports-related insurance include a lifelong insurance project for Olympic medalists, providing monthly payments based on medal type after retirement [10]. - New products like "Sports Accident Worry-Free Insurance" have been launched to cover high-risk sports, addressing gaps in traditional accident insurance [10][11]. - The industry is encouraged to collaborate with sports associations and event organizers to develop comprehensive risk coverage for personnel, events, venues, and logistics [11].