中国人寿财险昆明市中心支公司相关负责人介绍，公司以云南省贵金属产业链龙头云南省贵金属新材料 控股集团股份有限公司为突破口，创新设计"保险+链主+买方"链式承保方案，提供专属风控模型。独 特的增信功能，为企业盘活应收账款，将"沉睡账款"转化为流动资金，是金融支持实体经济的又一生动 体现。下一步，公司将继续响应国家政策号召，提升国内贸易信用保险服务保障能力，积极助力内外贸 一体化改革发展工作，切实服务国家发展战略。 编辑：穆皓 转自：新华财经 近日，中国人寿财产保险股份有限公司昆明市中心支公司成功开拓首单国内贸易信用保险业务，为云南 省贵金属新材料控股集团股份有限公司及其下游数百家中小企业提供总额高达20亿元的应收账款风险保 障。这也是中国人寿财险云南省分公司在滇的首单国内贸易信用保险业务。 国内贸易信用保险是保障国内贸易中卖方因买方破产或拖欠货款导致应收账款损失的保险产品，其核心 功能在于分散企业贸易风险、降低市场流通成本，有利于促进商品服务畅通流动、优化贸易环境。近年 来，国内贸易信用保险政策红利持续释放。国家发展改革委等七部门于2024年12月联合发布《关于发挥 国内贸易信用保险作用助力提高内外贸一体化水平 ...

记者6月12日获悉，为服务促进消费、扩大内需，助力内外贸一体化发展，进一步释放我国超大规 模市场的活力潜力，保险行业成立国内贸易信用保险共保体。 内贸险共保体由多家直保公司和再保险公司组成，通过直保与再保联通模式，提升内贸险业务承保 能力，满足企业保险需求，助力扩面提额。同时，有利于分散业务风险，促进信息共享，有效解决保险 机构内贸险基础数据积累不足、风险容忍度偏低、保障能力不够等问题。 下一步，内贸险共保体将加强能力建设和项目积累，提高承保理赔服务质效，同时，推动完善支持 政策和激励机制，提高企业投保积极性。 【纠错】 【责任编辑:杨萌】 据悉，内贸险共保体首期提供保险保障100亿元，后续根据实际需求扩大。 ...

Core Viewpoint - The integration of domestic and foreign trade is crucial for promoting economic development, expanding domestic demand, and stabilizing enterprises, with recent government initiatives emphasizing its importance [1][5]. Summary by Sections Government Initiatives - In March, the Central Committee and the State Council issued a "Special Action Plan to Boost Consumption," highlighting the improvement of domestic and foreign trade integration as one of the 30 key tasks [1][3]. - The Central Political Bureau meeting in April stressed the acceleration of domestic and foreign trade integration, marking this year as the concluding year for pilot projects in nine regions [1][3]. Historical Context - The integration of domestic and foreign trade has been a focus since the 2003 Third Plenary Session of the 16th Central Committee, with various policies evolving over the years to adapt to changing economic conditions [3][4]. - Significant initiatives include the "export to domestic sales" strategy post-2008 financial crisis and the "same line, same standard, same quality" project initiated in 2016 [3][4]. Current Economic Significance - The renewed emphasis on trade integration is driven by the need to leverage China's vast domestic market to counteract external trade pressures, especially in light of rising protectionism globally [5]. - The integration aims to enhance industrial upgrading and international competitiveness by aligning product standards and production processes between domestic and foreign markets [5]. Pilot Programs and Best Practices - Nine pilot regions have been established to explore and implement integration strategies, providing valuable experiences for broader application [7][8]. - These regions have focused on standardization services and the establishment of platforms to facilitate the integration of domestic and foreign trade [8][10]. Challenges in Export to Domestic Sales - Foreign trade enterprises face significant challenges in adapting products for domestic markets, including differences in consumer preferences, product standards, and marketing channels [17][18][19]. - The lack of established domestic marketing networks and the need for new after-sales service systems further complicate the transition from export to domestic sales [20][21]. Recommendations for Improvement - Companies are encouraged to optimize product designs to meet domestic consumer preferences and innovate marketing strategies through partnerships with e-commerce platforms [21][22]. - There is a call for the alignment of international and domestic standards to reduce friction costs for enterprises transitioning from export to domestic sales [22].

Group 1 - The article highlights the challenges and opportunities faced by the factoring industry in the current economic environment, emphasizing the need for innovative solutions to overcome market demand issues and funding circulation problems [1] - Hunan Guojin Commercial Factoring Co., Ltd. has successfully combined credit risk management tools with factoring services, demonstrating resilience and growth despite adverse conditions, aligning with the principle of "financial services for the industry" [1][2] - The collaboration between Hunan Guojin Factoring and insurance companies has led to the implementation of a "factoring + credit insurance" project, converting uncertain receivables into high-certainty insurance policies, thus addressing the challenges of risk and verification in factoring [2] Group 2 - Following the issuance of policies to enhance domestic trade credit insurance, Hunan Guojin Factoring has tailored financing solutions for private enterprises, achieving a project value of 50 million yuan, which has improved business yield by 15% and reduced the funding cycle to 10 days [2] - The company aims to expand its business model by integrating credit risk management tools with factoring services, focusing on advanced manufacturing and consumer sectors, to contribute to the high-quality development of the factoring industry [2] - Zhuzhou Industrial Development Investment Holding Group, the parent company of Hunan Guojin Factoring, is a state-owned investment company with a registered capital of 10 billion yuan and total assets nearing 120 billion yuan, positioning itself as a leading industrial investment group in Central China [3]

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].

Group 1 - The domestic trade credit insurance consortium has been officially established, consisting of multiple domestic insurance companies [1] - The consortium aims to enhance the underwriting capacity of domestic trade insurance through a direct insurance and reinsurance connection model, addressing issues such as insufficient data accumulation and inadequate coverage capacity [1] - The initial phase of the consortium will provide insurance coverage of 10 billion yuan, supporting enterprises in expanding domestic demand and serving the national strategy to promote consumption [1]

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].

Economic Policy Measures - The Chinese government has introduced a new set of policies aimed at stabilizing employment, businesses, markets, and expectations, following the "Four Stabilities" proposed in April 2025 [1][3] - The policies focus on five key areas: supporting employment, stabilizing foreign trade, promoting consumption, expanding effective investment, and creating a stable development environment [3] Employment Support - Key measures to support employment include encouraging companies to maintain jobs, increasing vocational training, expanding support through work-for-relief programs, and enhancing public employment services [5] - The government plans to accelerate the introduction of incremental policies to support job creation and provide subsidies to individuals affected by tariffs [5][6] Foreign Trade Stability - In response to challenges in foreign trade, particularly due to U.S. tariffs, the government has proposed tailored support for export enterprises to help them mitigate risks [5][8] - The Ministry of Commerce is working to facilitate the transition of foreign trade enterprises to domestic sales channels and is providing financial support to alleviate credit risks [6][8] Consumption Promotion - Measures to boost consumption include expanding service consumption, enhancing care for the elderly, and promoting automobile sales [8][9] - The government is focusing on key consumer products and is implementing policies to support the supply of services to meet growing demand [9][11] Investment Expansion - The government aims to enhance investment by improving consumption infrastructure, boosting private investment, and introducing new financial tools [11][12] - Industrial software has been included in the support range for equipment upgrades, which is expected to drive development in this critical sector [12] Stable Development Environment - Policies to create a stable development environment include maintaining a vibrant capital market, stabilizing the real estate market, and increasing financial support for the real economy [14] - The central bank is utilizing various monetary policy tools to ensure reasonable growth in money and credit, while also optimizing the credit structure [14][16] Economic Growth Indicators - In the first quarter, China's GDP grew by 5.4%, reflecting the resilience and vitality of the economy [16] - The contribution of domestic demand to economic growth has increased significantly, indicating a shift towards a more self-sustaining economic model [16]