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出口信用保险问题的研究

作　者: 王媛媛
导　师: 胡英坤
学　校: 东北财经大学
专　业: 国际贸易学
关键词: 出口信用保险出口贸易风险
分类号: F842.6
类　型: 硕士论文
年　份: 2007年
下　载: 538次
引　用: 4次
阅　读: 论文下载

内容摘要

自英国1919年设立了世界上第一个政府支持的出口信用保险机构——出口信用担保局以来，目前已有50多个国家的出口信用保险机构开展出口信用保险业务。出口信用保险是以国家财政为后盾，为企业在出口贸易、对外投资和对外工程承包等经济活动中，提供风险保障的一项政策性措施，是世界贸易组织《补贴和反补贴协议》原则上允许支持出口的政策手段。许多国家和地区的政府把它视为一种经济助推器，不惜投入人力和财力，加以扶持，以求刺激出口，促进经济繁荣。而出口商则把出口信用保险视为开拓海外市场的保护伞，希望通过它的事前预警机制和事后补偿功能，给自己的出口收汇提供安全保障。出口信用保险与出口信贷齐名，被公认为是当今国际贸易的两大促销手段。在市场经济发达的国家，支持贸易的金融体系，已重点转向提供出口信用保险。目前全球贸易额的12％—15％是在出口信用保险的支持下实现的，在有些发达国家，出口信用保险的渗透率更高，如法国、日本达到了40％。但我国出口信用保险的发展还相当滞后，出口信用保险的渗透率仅在1％左右，与我国对外贸易的迅猛发展很不相称。这种状况除了种种历史原因外，与我国出口信用保险体制、出口企业甚至保险公司对出口信用保险缺乏了解都有很大的关系。为此，需要我们在理论上和实践上对出口信用保险予以更多的关注。本文运用比较分析、理论和实践工作相结合的研究方法，从理论上对出口信用保险的概念、特点、种类、经营原则等基本问题进行研究，给予解释。接着本文将出口信用保险与其他类似的业务进行了对比分析。由于我国的出口信用保险业务起步较晚，发达国家的出口信用保险体系在运行和管理等诸多方面值得我们学习和借鉴，因此，本文选取了世界上出口信用保险发展较成熟的国家，对它们的出口信用保险的发展历史和经营模式进行了研究。由此及彼，本文由国际转向国内，总结出我国出口信用保险业务中存在的问题及其原因，对改进措施进行探讨，并试着提出可行性对策建议。

全文目录

ABSTRACT  3-5
内容摘要  5-9
CHAPTER Ⅰ INTRODUCTION  9-12
  1.1 Background and studying value  9-10
  1.2 Studying methods and thesis structure  10-12
CHAPTER Ⅱ OVERVIEW OF ECI  12-32
  2.1 Definition of ECI  12
  2.2 Features of ECI  12-17
    2.2.1 High risks covered in ECI are hard to control  13
    2.2.2 Earning money is not taken as the chief business goal  13-14
    2.2.3 Governments get involved in the operation  14-17
  2.3 Classifications of ECI  17-19
  2.4 Functions of ECI  19-22
    2.4.1 Circumvent risks  19-20
    2.4.2 Promote export  20
    2.4.3 Support financing  20-21
    2.4.4 Back national policy  21
    2.4.5 Perfect national credit system  21-22
  2.5 Business principles of ECI  22-29
    2.5.1 Basic principles of insurance suitable for ECI  22-25
    2.5.2 Distinctive principles of ECI  25-29
  2.6 International organization of ECI---Berne Union  29-32
    2.6.1 Tenet of Berne Union  29-30
    2.6.2 Tasks of Berne Union  30
    2.6.3 Function of Berne Union  30-32
CHAPTER Ⅲ MANAGERIAL PATTERNS OF ECI AND COMPARISON OF ITS OPERATION ON A GLOBAL BASIS  32-39
  3.1 Handled by governments directly  32-34
  3.2 Handled by exclusively-invested companies that governments set up  34-35
  3.3 Handled by stock companies  35-37
  3.4 Handled by private institutes entrusted by governments  37
  3.5 Handled by Export-Import Bank  37-39
CHAPTER Ⅳ COMPARISON OF ECI WITH OTHER RELATED OPERATIONS  39-48
  4.1 Comparison of ECI with common commercial insurance in international trade  39-41
    4.1.1 Different insurance objectives  39
    4.1.2 Different coverage of risks  39-40
    4.1.3 Different periods of responsibility  40
    4.1.4 Different face amounts  40-41
    4.1.5 Different levels of secrecy.  41
  4.2 Comparison of ECI with export credit  41-43
  4.3 Comparison of ECI with international factoring  43-47
    4.3.1 Analysis of variance between ECI and factoring  43-44
    4.3.2 Advantage and disadvantage analysis of ECI and international factoring  44-46
    4.3.3 Competitiveness and complementarity between ECI and international factoring  46-47
  4.4 Comparison of ECI with domestic credit insurance  47-48
CHAPTER Ⅴ ECI IN CHINA  48-73
  5.1 Necessity of the existence of ECI in China  48-54
    5.1.1 ECI is the requirement of credit economy development in our country  49-50
    5.1.2 Launching ECI operation is the demand of the development of international trade in China  50-51
    5.1.3 It is the requirement of enterprises themselves to develop ECI  51-52
    5.1.4 The strategy of"going out" needs credit insurance to assign risk  52-54
  5.2 The agency of Chinese ECI and its major services  54-60
    5.2.1 The agency of Chinese ECI  54
    5.2.2 Main products and services of SINOSURE  54-60
  5.3 Chief problems existing in the present ECI in China and their reasons  60-63
  5.4 Envision on perfecting ECI system in China  63-73
    5.4.1 Influences of WTO rules on Chinese insurance industry  64-65
    5.4.2 Measures Chinese government should take  65-67
    5.4.3 Measures ECA should take  67-71
    5.4.4 Measures export enterprises should take  71-73
CHAPTER Ⅵ CONCLUSION  73-74
REFERENCE  74-75
ACKNOWLEDGEMENT  75-76

出口信用保险问题的研究

内容摘要

全文目录

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