如何利用出口信用保险和外汇融资稳外贸？2023外贸企业必读指南

如何利用出口信用保险和外汇融资稳外贸？2023外贸企业必读指南

How to Stabilize Foreign Trade with Export Credit Insurance and Foreign Exchange Financing? 2023 Essential Guide

最新外贸数据显示：根据海关总署发布的数据，2023年上半年我国货物贸易进出口总值达20.1万亿元人民币，同比增长2.1%。在全球经济复苏乏力的背景下，金融机构正通过创新金融工具助力外贸企业应对挑战。

Latest foreign trade data shows: According to the General Administration of Customs, China's total import and export value of goods trade reached 20.1 trillion yuan in the first half of 2023, a year-on-year increase of 2.1%. Against the backdrop of weak global economic recovery, financial institutions are helping foreign trade enterprises meet challenges through innovative financial tools.

出口信用保险政策密集出台

Dense introduction of export credit insurance policies

2023年4月，国务院办公厅印发《关于推动外贸稳规模优结构的意见》，其中三条措施专门针对出口信用保险。长三角地区（上海、江苏、浙江、安徽）上半年共出台15项相关政策。

In April 2023, the General Office of the State Council issued the "Opinions on Promoting Stable Scale and Optimized Structure of Foreign Trade", with three measures specifically targeting export credit insurance. The Yangtze River Delta region (Shanghai, Jiangsu, Zhejiang, Anhui) introduced 15 related policies in the first half of the year.

中国信保关键数据：

Key data from Sinosure:

• 承保金额：4543亿美元（+2.1%）
• Insurance coverage: $454.3 billion (+2.1%)
• 支付赔款：近9亿美元（+22.4%）
• Claims paid: Nearly $900 million (+22.4%)
• 服务客户：18.3万家（+11.5%）
• Clients served: 183,000 (+11.5%)

典型案例：6000万理赔挽救企业现金流

Typical case: 60 million yuan claim saved corporate cash flow

2023年1月，某国外大型家具企业破产，拖欠中国供应商近1亿美元货款。中国信保快速响应，帮助3家出口企业获得超6000万元赔款。

In January 2023, a large foreign furniture company went bankrupt, owing Chinese suppliers nearly $100 million. Sinosure responded quickly, helping three export companies obtain more than 60 million yuan in compensation.

新能源产业表现亮眼：

Outstanding performance of new energy industry:

上半年中国信保承保新能源产业链出口174.8亿美元，国内贸易11.3亿元人民币，合计同比增长69.7%。重点支持了比亚迪、宁德时代等龙头企业。

In the first half of the year, Sinosure insured $17.48 billion in exports and 1.13 billion yuan in domestic trade in the new energy industry chain, with a combined year-on-year increase of 69.7%. It focused on supporting leading enterprises such as BYD and CATL.

外汇融资创新案例

Innovative case of foreign exchange financing

兴业银行福州分行通过跨境金融服务平台，为福州福友源进出口有限公司提供350万元授信额度，解决了企业资金周转难题。截至目前，该分行已累计为外贸企业提供融资支持超1.1亿元。

Industrial Bank Fuzhou Branch provided a credit line of 3.5 million yuan to Fuzhou Fuyouyuan Import and Export Co., Ltd. through the cross-border financial service platform, solving the company's capital turnover problem. So far, the branch has provided more than 110 million yuan in financing support to foreign trade enterprises.

专家建议：外贸企业应充分利用政策性金融工具，建立完善的风险管理体系，同时关注"新三样"（新能源汽车、锂电池、太阳能电池）等新兴领域的出口机会。

Expert advice: Foreign trade enterprises should make full use of policy financial tools, establish a sound risk management system, and pay attention to export opportunities in emerging fields such as the "new three" (new energy vehicles, lithium batteries, solar cells).