Mofcom to raise domestic trade insurance subsidy standards

Recently, the reporter learned from the Ministry of Commerce, the Ministry of Commerce this year will be in conjunction with the relevant departments to assess the current domestic trade insurance subsidy policy, to improve the domestic trade risk financial assistance standards. At present, small and medium-sized business enterprises to cover domestic insurance subsidy limit of 150,000 yuan. China Export Credit insurance company Fourth sales department three deputy director Yu Chengli told reporters, at present, China's export credit insurance companies to invest in domestic insurance companies more than 100 million yuan annual turnover of small and medium-sized business enterprises, referring to the annual 5 per thousand of the premium rate calculation, the enterprise investment in one-year domestic trade insurance to pay a premium of 500,000 yuan,　　and small and medium-sized business enterprise 150,000 yuan subsidy limit makes the subsidy insufficient premium 1/3. "Many small and medium-sized business enterprises themselves are very thin profits, each year to put some funds to invest in domestic trade insurance will have a certain degree of difficulty, but if the proportion of financial assistance can be increased will inevitably improve the enthusiasm of the enterprise insurance."　　"In the establishment said. In recent years, expanding domestic demand and promoting consumption have been paid more and more attention by the State, and the Government attaches importance to domestic credit insurance. Win, deputy director of the Department of Market Order in the Ministry of Commerce, said in the "2010 Credit Sales Development Forum" in 2009 and 2010, The central government's cumulative expenditure of domestic trade insurance premiums 174 million yuan, support credit sales of 218.7 billion yuan, financial funds leverage up to 1257 times times, the cost of compensation for 1.03 million yuan, support financing 1.455 billion yuan. Subsidized 1024 of the insured enterprises, of which 731 of small and medium-sized business enterprises, the benefit of the downstream enterprises 23,038, the average per home to obtain credit sales of 9.49 million yuan.　　The domestic trade credit insurance has fully exerted the function of evading the business risk and expanding the credit sales, and has promoted the financing of Small business enterprises and the large enterprises to expand the sales market in underdeveloped areas, and has achieved good social and economic benefits. Yu Chengli told reporters that domestic trade credit insurance for the role of enterprises mainly in 3 aspects: first, to provide risk protection for enterprises, the current domestic trade risk is divided into advance and accounts receivable two kinds of insurance, for the enterprise to carry out credit sales escort; second, to expand business to provide support, "such as a company only in north China to do credit sales, Now want to expand credit sales to the northeast, but for the local market does not understand, at this time can be judged by insurance companies to market "; third, to provide financing for enterprises, the current stage of corporate financing mainly property, land and other real estate as a guarantee, high cost, especially small and medium-sized business enterprises can be mortgaged assets are not many,　　By investing in domestic trade insurance, accounts receivable can be turned into financing assets which can be accepted by banks, widening the way of financing. It is understood that the current domestic trade insurance coverage period of one year, the premium level in accordance with 3 reference, credit account period, the size of the insurance and the buyer dispersion. "The credit account period within one year can be insured, the longer the account period, the higher the premium." The size of insurance is calculated by annual turnover, the larger the scale, the lower the premium rate. The more dispersed the enterprise buyer, the lower the rate. 100 million RMB turnover for the insured amount, 90 days, the reference rate of 5 per thousand.　　"In the establishment told reporters. Although there are many benefits, butAt present, the development of domestic trade insurance is still in the initial stage, compared with the export credit insurance, domestic trade insurance is always a weak link in the Enterprise credit insurance.　　Yu Chengli revealed that China's export credit insurance companies currently export insurance coverage of 150 billion U.S. dollars, and domestic trade insurance is only 120 billion yuan. Ministry of Commerce, Research Department of Consumer Economics, deputy director of Zhaoping told reporters, enterprises operating foreign trade when the risk of higher awareness, while doing domestic business is often lax risk prevention, or simply do not do credit sales, that the insurance will increase costs, the concept of the lag hindered the development of domestic insurance. In addition, the information system is also hindered the development of domestic credit insurance is an important factor. "Insurance companies to accept the business, first of all to understand the risk, and the current domestic credit system is not perfect." In foreign countries, as long as the call to the enterprise's credit records can see its credibility history. And in the domestic want to understand enterprise, nothing but the Industry and Commerce Bureau Check Enterprise registration information, but can not find the credit records of enterprises, so it is difficult to judge.　　Zhaoping said.　　In the establishment also said that the current domestic trade risk is small, and the insurance industry to comply with the law of large numbers, the more objects insured, the lower the rate, so the domestic insurance plate is not big enough to make the premium rate is high. Zhaoping suggested that the future development of domestic trade insurance, enterprises, governments, insurance companies should make corresponding efforts. Zhaoping said that enterprises should establish a private nature of the Accounts Receivable registration system, "Enterprises voluntarily joined, to which enterprises have been transactions, who owe their money and other information published to the system, the system is a member, all members can go to check, so you can understand the debt of the relevant enterprises. "In addition, to increase industry information sharing efforts, the enterprise in the tax revenue Department of Taxation records, business sector registration information, bank loans and other information through to some industries and insurance companies open, so as to help the enterprise credit evaluation." And insurance companies can draw on the experience of export credit insurance, the introduction of more suitable for small and medium-sized business enterprises of new products, the insurance products further refinement.