外贸企业必看：如何综合运用出口信用保险和外汇融资实现业务增长
根据海关总署最新数据，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%。在当前世界经济复苏乏力的背景下，金融机构正通过创新金融工具组合，为外贸企业提供全方位支持。
According to the latest data from China's General Administration of Customs, the total value of China's goods trade imports and exports in the first half of 2023 reached 20.1 trillion yuan, a year-on-year increase of 2.1%. Against the backdrop of weak global economic recovery, financial institutions are providing comprehensive support to foreign trade enterprises through innovative financial tool combinations.
出口信用保险：外贸企业的"安全网"
Export Credit Insurance: A "Safety Net" for Exporters
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》，其中特别强调了出口信用保险的重要性。数据显示，中国信保上半年承保金额达4543亿美元，同比增长2.1%。
In April 2023, the General Office of the State Council issued the "Opinions on Promoting Stable Scale and Optimized Structure of Foreign Trade", which particularly emphasized the importance of export credit insurance. Data shows that China Export & Credit Insurance Corporation (Sinosure) insured $454.3 billion in the first half of the year, a year-on-year increase of 2.1%.
典型案例：某大型家具生产企业破产导致多家中国供应商面临近1亿美元货款损失。中国信保快速响应，帮助3家出口企业获得超6000万元赔款。
Case Study: The bankruptcy of a large furniture manufacturer left several Chinese suppliers facing nearly $100 million in unpaid invoices. Sinosure responded quickly, helping three export companies receive over 60 million yuan in compensation.
外汇信用融资：解决资金周转难题
Foreign Exchange Financing: Solving Working Capital Challenges
2023年2月正式上线的跨境金融服务平台为外贸企业提供了新的融资渠道。以兴业银行为例，该行已累计为外贸企业提供融资支持超1.1亿元。
The cross-border financial service platform officially launched in February 2023 has provided new financing channels for foreign trade enterprises. Taking Industrial Bank as an example, the bank has provided over 110 million yuan in financing support to foreign trade enterprises.
福州福友源进出口有限公司通过该平台获得350万元授信额度，有效解决了上下游账期错配导致的资金压力。
Fuzhou Fuyouyuan Import and Export Co., Ltd. obtained a credit line of 3.5 million yuan through this platform, effectively solving the capital pressure caused by mismatched payment terms between upstream and downstream.
外贸"新三样"的金融支持
Financial Support for the "New Three" Export Categories
中国信保数据显示，上半年新能源产业链承保金额同比增长69.7%，覆盖新能源汽车全产业链，包括整车、电池、关键零部件等。
Sinosure data shows that insurance coverage for the new energy industry chain increased by 69.7% year-on-year in the first half of the year, covering the entire new energy vehicle industry chain, including complete vehicles, batteries, and key components.
这种有针对性的金融支持帮助中国新能源汽车企业更好地开拓国际市场，实现高质量发展。
This targeted financial support helps Chinese new energy vehicle companies better explore international markets and achieve high-quality development.
专家建议：外贸企业应充分利用政策性金融工具组合，包括出口信用保险+外汇融资+跨境电商平台，构建全方位的风险防控和资金支持体系。
Expert Advice: Foreign trade enterprises should make full use of policy financial tool combinations, including export credit insurance + foreign exchange financing + cross-border e-commerce platforms, to build a comprehensive risk prevention and capital support system.
