Research Of Export Credit Insurance Financing

The development of foreign trade financing plays an important role in supporting China’s foreign trade development.Small and medium-sized enterprises are an important customer group for export trade financing.Although Chinese export trade financing has developed rapidly in recent years,small and medium-sized enterprises still face the problem of insufficient financing support.This paper proposes an optimization of the export pool credit insurance model through the research and risk analysis of the existing trade financing model under the short-term export credit insurance.This paper mainly uses case methods,comparative research methods and other research methods.The forms of export trade financing are various,but they are all based on the characteristics of self-compensation of foreign trade.Combined with the guarantee effect of short-term export credit insurance on export remittance,the trade return is the first in the product structure.Source.Under this premise,banks have moderately lowered credit standards and provided financing support.Compared with other financing methods,export trade financing is relatively low in cost and easy to obtain.The existing trade financing models are compared from the aspects of operation and risk control.Compared with other models,export insurance financing has great advantages in operation due to its “Internet+” and “pooling” technologies.How to control business risks is the core issue of concern to banks.After risk analysis and comparison,it is difficult to effectively overcome some common risk risks regardless of the current operation mode.Based on the current objective factors,banks lack direct and effective identification and prevention measures for the risks caused by untrue trade background and changes in the return path.This paper attempts to optimize the export credit insurance financing model,and introduces external guarantee companies to provide credit enhancement and reduce risks.