發(fā)布時(shí)間：2018-06-30 22:07

  本文選題：信用保險(xiǎn) + 出口企業(yè)�。� 參考：《東南大學(xué)》2015年碩士論文

【摘要】：出口信用保險(xiǎn)以促進(jìn)本國(guó)出口貿(mào)易,鼓勵(lì)本國(guó)企業(yè)開拓海外市場(chǎng)為目的,是各國(guó)普遍采用的一種金融工具。中國(guó)加入WTO以后,成立了專門經(jīng)營(yíng)信用保險(xiǎn)業(yè)務(wù)的中國(guó)出口信用保險(xiǎn)公司,大力發(fā)展我國(guó)的出口信用保險(xiǎn)業(yè)務(wù),從而起到拉動(dòng)外需,助推經(jīng)濟(jì)穩(wěn)步增長(zhǎng)的戰(zhàn)略目的。中國(guó)出口信用保險(xiǎn)公司成立后,業(yè)務(wù)量逐年增加。特別是金融危機(jī)以后,更多的企業(yè)看到了出口的風(fēng)險(xiǎn),紛紛投保出口信用保險(xiǎn),使得出口信用保險(xiǎn)對(duì)全國(guó)一般貿(mào)易的滲透率達(dá)到約26%。無(wú)錫作為出口大市,其企業(yè)投保率更高。但是在我們看到信用保險(xiǎn)給這些投保企業(yè)帶來(lái)好處之余,我們還看到了存在的一些問(wèn)題。為了更好的發(fā)揮信用保險(xiǎn)的作用,投保企業(yè)應(yīng)正確定位信用保險(xiǎn)的作用。本文采用理論研究及規(guī)范相研究結(jié)合的方法,著重分析出口信用保險(xiǎn)中的短期出口險(xiǎn)對(duì)無(wú)錫出口企業(yè)經(jīng)營(yíng)風(fēng)險(xiǎn)的影響,尤其是對(duì)出口企業(yè)經(jīng)營(yíng)風(fēng)險(xiǎn)帶來(lái)的負(fù)面影響進(jìn)行研究。通過(guò)對(duì)無(wú)錫已參保的出口企業(yè)進(jìn)行系統(tǒng)調(diào)研分析,找出企業(yè)對(duì)信用保險(xiǎn)的定位及運(yùn)作誤區(qū),從而提出企業(yè)的風(fēng)險(xiǎn)防范對(duì)策,為企業(yè)以后正確認(rèn)識(shí)和定位信用保險(xiǎn)的作用提供參考,為企業(yè)規(guī)避風(fēng)險(xiǎn)提供方案,使更多的參保企業(yè)能夠平穩(wěn)擴(kuò)大市場(chǎng)份額。本文首先回顧了關(guān)于信用保險(xiǎn)的相關(guān)理論研究,并以此作為研究的基礎(chǔ)。其次,通過(guò)對(duì)出口信用保險(xiǎn)行業(yè)現(xiàn)狀以及無(wú)錫經(jīng)濟(jì)狀況的簡(jiǎn)單分析,闡述本文選取無(wú)錫出口企業(yè)作為研究對(duì)象的必要性。再次,從“事前、事中、事后”三個(gè)層面分別分析出口信用保險(xiǎn)中的短期出口信用保險(xiǎn)對(duì)無(wú)錫出口企業(yè)經(jīng)營(yíng)風(fēng)險(xiǎn)的積極影響以及消極影響。短期出口信用保險(xiǎn)對(duì)國(guó)外買家、融資銀行、中國(guó)信保在“事前、事中、事后”三個(gè)貿(mào)易階段也有不同程度的積極作用與消極作用,這些也會(huì)反作用于出口企業(yè),對(duì)其經(jīng)營(yíng)風(fēng)險(xiǎn)帶來(lái)一定的影響。最后,出口信用保險(xiǎn)并不是萬(wàn)能的,出口企業(yè)需要根據(jù)自己的實(shí)際情況合理開拓市場(chǎng),強(qiáng)化風(fēng)險(xiǎn)控制。在以上負(fù)作用尚未顯現(xiàn)的時(shí)候,更要通過(guò)合理的政策和手段盡量規(guī)避上述負(fù)面效應(yīng)對(duì)企業(yè)經(jīng)營(yíng)風(fēng)險(xiǎn)帶來(lái)的影響。宜興某Y企業(yè)投保出口信用保險(xiǎn)后,仍未放松自身風(fēng)險(xiǎn)控制制度的執(zhí)行,其出口穩(wěn)步擴(kuò)大,優(yōu)質(zhì)買家的積累幫其夯實(shí)了出口基礎(chǔ),使其在國(guó)際形勢(shì)下行的大背景下,仍可以逆勢(shì)前行。其做法值得其他出口企業(yè)借鑒學(xué)習(xí)。本文是對(duì)短期出口信用保險(xiǎn)負(fù)面效應(yīng)的首次嘗試性探究,為出口信用保險(xiǎn)的相關(guān)研究提供了新的視角,具有一定的創(chuàng)新性。除此以外,本文從“事前、事中、事后”三個(gè)維度分析出口信用保險(xiǎn)對(duì)出口商、進(jìn)口商、融資銀行、中國(guó)信保的積極作用以及消極作用,并對(duì)出口商、融資銀行、中國(guó)信保都提出相關(guān)建議,也為出口信用保險(xiǎn)的相關(guān)研究構(gòu)建了一個(gè)新的研究模型。
[Abstract]:The purpose of export credit insurance is to promote domestic export trade and encourage domestic enterprises to open up overseas markets. After China's entry into WTO, China Export Credit Insurance Company, which specialized in the business of credit insurance, was set up to vigorously develop the export credit insurance business of our country, so as to stimulate the external demand and promote the steady growth of the economy. Since the establishment of China Export Credit Insurance Company, the volume of business has increased year by year. Especially after the financial crisis, more and more enterprises see the risk of export, one after another take out export credit insurance, which makes the penetration of export credit insurance to the national general trade reach about 26%. Wuxi as an export city, its enterprise insurance rate is higher. But while we see the benefits of credit insurance for these insured companies, we also see some problems. In order to better play the role of credit insurance, insured enterprises should correctly position the role of credit insurance. By combining theoretical research with normative research, this paper focuses on the analysis of the impact of short-term export insurance in export credit insurance on the operating risk of export enterprises in Wuxi, especially on the negative impact of the risk on export enterprises. Through the systematic investigation and analysis of the export enterprises that have been insured in Wuxi, this paper finds out the orientation of the enterprises to the credit insurance and the misunderstandings of their operation, and then puts forward the countermeasures of preventing the risks of the enterprises. It provides a reference for enterprises to correctly understand and locate the role of credit insurance in the future, provides a scheme for enterprises to avoid risks, and enables more participating enterprises to expand their market share steadily. This paper first reviews the relevant theoretical research on credit insurance, and regards it as the basis of the research. Secondly, through the simple analysis of the current situation of export credit insurance industry and the economic situation of Wuxi, this paper expounds the necessity of choosing Wuxi export enterprise as the object of study. Thirdly, the positive and negative effects of short-term export credit insurance in export credit insurance on the risk of Wuxi export enterprises are analyzed from the three aspects of "beforehand, in the matter and afterwards". Short-term export credit insurance also has varying degrees of positive and negative effects on foreign buyers, financing banks, and China's credit insurance in the three trade stages of "prior, during and after", which will also counteract to export enterprises. To its management risk brings certain influence. Finally, export credit insurance is not omnipotent, export enterprises should develop market reasonably according to their own actual situation and strengthen risk control. When the above negative effects have not been shown, we should try to avoid the negative effects on the business risks through reasonable policies and means. After a certain Y enterprise in Yixing took out export credit insurance, it still did not relax its own risk control system. Its export has steadily expanded, and the accumulation of high-quality buyers has consolidated its export base and made it under the background of the downward trend of the international situation. You can still go against the tide. Its practice is worthy of other export enterprises to learn from. This paper is the first attempt to explore the negative effects of short-term export credit insurance, which provides a new perspective for the study of export credit insurance. In addition, this paper analyzes the positive and negative effects of export credit insurance on exporters, importers, financing banks, and on exporters and financing banks. The author also constructs a new research model for export credit insurance.
【學(xué)位授予單位】：東南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F752.62;F842.682

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