Research On The Problems And Optimization Of F Company's Use Of Export Credit Insurance Business

Export credit insurance is a policy-based insurance business supported by the government.It does not focus on profitability,but more for export-oriented export companies to avoid risks and provide financing support.China's export credit insurance business was established later than that of Western developed countries.However,after almost 30 years of development,its functions have been gradually improved,which has made a very big role in promoting the business volume of China's export and foreign trade enterprises.Although there has been a large leap in business volume,but there is a big gap in how to better avoid risks and promote the steady development of foreign trade business,between China's export credit insurance and developed countries such as Europe and the United States.At the same time,the upward development of space is also relatively large.At present,a very real problem facing our country is how to use export credit insurance to avoid risks and ensure that our foreign trade and export industries develop rapidly and steadily.The intrinsic meaning of export credit insurance,the role it plays,and the model in operation are still the main research areas for domestic and foreign scholars.The government and insurance agencies are still the main body of their research,but there are few studies in how the foreign trade companies take the advantage of export credit insurance to support their business as the research object.This article first sorts out related research and basic theories of scholars at domestic and abroad,and then conducts research on the practice of F company's use of export credit insurance for business operations.First,it introduces the operating status of F company from its establishment until now,and utilizes export credit insurance for business development,the scale and status of development.Second,with qualitative,quantitative,comparative,case studies and other methods of research,to find and think about the deficiencies in the process of using export credit insurance as a national policy tool,and the reasons for its occurrence.During the analysis of the research,F company exposed a series of problems,such as information asymmetry with the underwriting agencies,weak risk prevention awareness,internal management system loopholes,uneven quality of employees,etc.This article believes that F company should improve the internal management mechanism of the company and the optimization of the underwriting agency to make adjustments in order to strengthen the management and control of risk prevention awareness,such as transportation documents,and financial bills,and further coordinate and communicate among various departments within the company to reduce communication costs,and pay attention to the introduction of talents,actively communicating with export credit insurance companies,regularly arrange insurance knowledge training.In summary,this article uses the specific problems in the process of utilizing export credit insurance by the company F,combines relevant cases,analyzes the problems and the reasons behind the problems,and finally puts forward corresponding policy recommendations.