出口信用保险：深圳中小微外贸企业的国际护航利器
深圳作为中国外贸重镇，每年有大量企业开展海外业务。但国际贸易中常见的买方破产、拖欠货款等风险，常常让中小微企业陷入"有单不敢接"的困境。
As a major foreign trade hub in China, Shenzhen hosts numerous enterprises engaged in international business. However, common risks like buyer bankruptcy and payment defaults often leave SMEs in a dilemma of "daring not to accept orders".
保险赔付：企业的资金安全网
Insurance Compensation: Financial Safety Net
去年7月，深圳宝安一家外贸企业因意大利买方破产面临20万美元货款损失。通过出口信用保险，企业成功获得15万美元赔偿。这不仅缓解了资金压力，更增强了企业开拓国际市场的信心。
In July last year, a Bao'an export company faced $200,000 loss due to an Italian buyer's bankruptcy. Through export credit insurance, the company received $150,000 compensation. This not only eased financial pressure but also boosted confidence in international market expansion.
增值服务：市场开拓的智能助手
Value-added Services: Smart Assistant for Market Expansion
深圳医疗器械企业通过保单增值服务，利用"资信导航仪"等创新工具，成功开拓欧美和东南亚市场。企业负责人表示："买家资信报告帮助我们精准识别风险，大大提升了海外业务成功率。"
A Shenzhen medical device company utilized policy value-added services like "Credit Navigation Tool" to successfully enter European, American and Southeast Asian markets. The manager stated: "Buyer credit reports help us accurately identify risks, significantly improving overseas business success rate."
政府支持：持续的政策红利
Government Support: Continuous Policy Benefits
深圳市商务局2022年继续实施出口信用保险统保政策，覆盖出口额800万美元以下中小微企业。企业可通过"单一窗口"平台享受线上承保、报损核赔等便捷服务。
Shenzhen Commerce Bureau continues its export credit insurance policy in 2022, covering SMEs with export volume below $8 million. Companies can access convenient online services including underwriting and claims through the "Single Window" platform.
专家建议：企业应充分利用保单条款，发现风险异动立即报案，以获得及时保障。同时积极运用数字化工具，提升国际市场竞争力。
Expert advice: Enterprises should fully utilize policy terms, report risks immediately when detected, to obtain timely protection. Meanwhile, actively adopt digital tools to enhance international competitiveness.
