北京工商大学学报：社会科学版
北京工商大學學報：社會科學版
북경공상대학학보：사회과학판
JOURNAL OF TECHNOLOGY AND BUSINESS UNIVERSITY
2008年
3期
32~37
,共null页
出口信用保险 风险管控
齣口信用保險 風險管控
출구신용보험 풍험관공
export credit insurance; risk management
目前我国出口信用险的经营业绩逐年攀升，但随着我国对外贸易的不断发展，出口信用险也暴露出未能完全适应我国商品出口结构改变、风险准备金不足等问题。因此，我国出口信用险经营机构应当建立更为科学的风险评估体系．发展中小规模业务，分散风险；参考发达国家相对成熟的出口信用险经营模式，允许商业保险公司与出口信用保险公司同时经营，引入竞争与激励机制；注重国际保险业务合作，与国外保险公司形成良好的伙伴关系。
目前我國齣口信用險的經營業績逐年攀升，但隨著我國對外貿易的不斷髮展，齣口信用險也暴露齣未能完全適應我國商品齣口結構改變、風險準備金不足等問題。因此，我國齣口信用險經營機構應噹建立更為科學的風險評估體繫．髮展中小規模業務，分散風險；參攷髮達國傢相對成熟的齣口信用險經營模式，允許商業保險公司與齣口信用保險公司同時經營，引入競爭與激勵機製；註重國際保險業務閤作，與國外保險公司形成良好的夥伴關繫。
목전아국출구신용험적경영업적축년반승，단수착아국대외무역적불단발전，출구신용험야폭로출미능완전괄응아국상품출구결구개변、풍험준비금불족등문제。인차，아국출구신용험경영궤구응당건립경위과학적풍험평고체계．발전중소규모업무，분산풍험；삼고발체국가상대성숙적출구신용험경영모식，윤허상업보험공사여출구신용보험공사동시경영，인입경쟁여격려궤제；주중국제보험업무합작，여국외보험공사형성량호적화반관계。
Nowadays, Chinese export credit insurance keeps growing year by year. However, with the continuous development of China＇s foreign trade, various problems emerge in the export credit insurance such as the inability to completely adapt to the structural change in Chinese commodity export and the shortage of risk reserve. Accordingly, the operating agencies of Chinese export credit insurance should set up a more scientific risk evaluation system and develop small and medium-sized transactions to disperse risks. Moreover, with reference to the operating pattern of export risk insurance in the developed countries, competition and encouragement system should be introduced to allow the commercial insurance companies and export credit insurance companies to operate simultaneously. Great importance should be attached to international insurance cooperation to keep favourable partnership with foreign insurance agents.
