中信保是什么？投了中信保就能完全规避风险吗？外贸企业必读指南
中信保是什么？
Sinosure实际上就是中国出口信用保险公司（China Export & Credit Insurance Corporation），是国家出资设立、支持中国对外经济贸易发展与合作、具有独立法人地位的国有政策性保险公司，同时也是我国唯一承办政策性出口信用保险业务的金融机构。
What is Sinosure?
Sinosure is actually China Export & Credit Insurance Corporation, a state-owned policy-oriented insurance company established with national investment to support China's foreign economic and trade development and cooperation. It is the only financial institution in China that undertakes policy-oriented export credit insurance business.
为什么要投中信保？
1. 转移风险：B2B交易体量大，但在没有较为明显的优势以前，卖家恐怕很难要求对方先付全款。那么这中间就会面临非常大的风险，如果对方拒绝付款，卖家所能采取的措施实际上是非常有限的。涉及金额大，一旦亏损，那卖家大概率就是血本无归，甚至直接引发资金链断裂的风险。而投中信保，实际上就是将付款风险转移给第三方，一旦收汇出险，卖家就能获得90%的货款赔付。
2. 资信调查：中信保同样有提供资信调查服务，如果对方有不诚信、不付款的情况，中信保就可以介入，对其资金进行调查。这能够帮助卖家更加直观地了解合作客户，调查过后，卖家可根据调查结果决定是否要继续合作，这在一定程度上能够帮助卖家规避风险。
3. 收账服务：如果企业确实已经碰到账目无法收回的情况，中信保也可代收款项。
Why invest in Sinosure?
1. Risk Transfer: B2B transactions involve large amounts, but without obvious advantages, sellers may find it difficult to require full payment in advance. This creates significant risks - if the buyer refuses to pay, the seller's options are actually very limited. Large amounts mean that once a loss occurs, the seller may lose everything or even face capital chain rupture. Investing in Sinosure transfers payment risk to a third party - once a payment risk occurs, the seller can receive 90% compensation.
2. Credit Investigation: Sinosure also provides credit investigation services. If the buyer shows dishonesty or non-payment, Sinosure can intervene to investigate their finances. This helps sellers better understand potential partners and make informed cooperation decisions.
3. Collection Services: If accounts receivable cannot be collected, Sinosure can assist with debt collection.
可完全规避风险吗？
虽然中信保能够在最大程度上给到卖家保障，但中信保只做商业信用风险，这意味着其只会对你提供的公司进行调查。如果对方并未存在不良记录，那么就会顺利批额。但很显然，这中间仍然会存在一些漏洞，比如说皮包公司，骗子伪装等，这些漏洞则更多需要卖家自身足够警觉，才能规避风险。
此外小额订单是不可以投中信保的，基本上是要百万以上的大单，因此对于中小卖家来说，还是只能靠自己。而随着订单碎片化的趋势逐渐明显，很多大型卖家，也开始承接小额订单，那这部分的风险预防，也是无法通过中信保来规避的。
Can it completely avoid risks?
While Sinosure provides maximum protection for sellers, it only covers commercial credit risks - meaning it only investigates the companies you provide. If the buyer has no bad records, approval will be granted. However, there are still loopholes like shell companies or fraudsters that require seller vigilance to avoid.
Additionally, small orders (generally under 1 million RMB) cannot be insured by Sinosure, leaving small and medium sellers to manage these risks themselves. As order fragmentation becomes more common, even large sellers taking small orders cannot use Sinosure for risk prevention.
如何降低风险？
1. 尽量选择利于自己的付款方式，或要求全款
2. 做好合作对象背景调查
3. 及时催促拖欠货款
4. 考虑委托第三方公司收账
How to reduce risks?
1. Choose favorable payment terms or require full payment
2. Conduct thorough background checks on partners
3. Promptly follow up on overdue payments
4. Consider third-party collection services
专业建议：外贸企业选择建站服务商时，应优先考虑提供完善售后服务的供应商。优质服务商不仅提供7×16小时在线客服（客服满意度高达99.8%），更能为您的海外业务发展提供持续支持。
Professional Advice: When choosing website construction services, foreign trade enterprises should prioritize providers offering complete after-sales support. Quality providers not only offer 7×16 online customer service (with 99.8% satisfaction rate) but also provide continuous support for your overseas business development.
