> Shenyang, a family shoe factory is a self- Import and Exportthe right of private small businesses, export sales accounted for more than 90%, the main overseas customers only two China Taiwan and the United States., China Credit Insurance will be more than $ 400,000 in checks handed shoe factory hands, general manager, general manager of emotion: "China Credit Insurance to my small private enterprises from the brink of bankruptcy pull back, I am very grateful!" should be accounts receivable insurance firms to help repay August 2002, a domestic foreign trade companies to a company out of two votes of goods, contract amount $ 100,000, payment conditions t/t90 days the end of 2002, the first shipment of the purchase price has been nearly a month overdue, the foreign companies have yet to pay. trade on one hand, the company stepped up to the payment of a debt payment, on the other promptly notified in writing to the China Credit Insurance possible losses. receipt of this foreign trade companies reported "may loss notice ", although the risk event has not occurred (as defined by internationally accepted risk of default payment terms for the buyer over more than four months yet to pay the purchase price), but the Chinese Foreign Credit Insurance companies take into account the default time is not long recovery time more favorable to policyholders immediately sent a letter to commission China Credit Insurance recommended for overseas investigation recover, however, insisted on their own policyholders recover, for three reasons: 1, although the buyers have had previous arrears, the final payment can be quickly ; 2, concerns the involvement of agencies to recover accounts will affect the buyers and sellers of future cooperation; 3, the buyer has verbally agreed installments, and pledged the company's factories and warehouses mortgaged to the bank to repay the money financing. policyholder fill out the "principal-agent agreement," and provide the relevant documents commissioned by China's trade credit insurance for overseas recovery of export credit insurance has been sheltered small enterprises, small scale, weak anti-risk ability, a lower credit rating, cash flow, etc. problems plaguing our country's small and medium enterprises, constraining their development, weakening their due in the international market competitiveness. Although there are many small and medium enterprises, but small companies can resolve the trade credit risk, and can save them small insurance funds. what insurance is these small businesses most in need of it? SMEs need a system of insurance scheme that allows them to go further in the export business from the demand for such insurance coverage threshold lower. applies to letters of credit, collection, or put such a variety of settlement of accounts. underwriting simplify the procedure, preferably with some financial functions of China Export & Credit Insurance Corporation (ECIC China) development and design of the Small Business Insurance Insurance is one of many small and medium enterprises in foreign trade in favor of small business insurance The insurance annual export amount of 200 million dollars of exports of SMEs to provide risk protection services, credit shall generally not exceed 180 days, but may be extended to 365 days, after consultation and underwriting can be completed online one-stop, but also provide financing. As China's foreign trade and economic cooperation, international trade, debt has increased significantly. exporters to expand exports and market share, have the use of commercial credit settlement of export goods, but due to lack of experience in credit risk management, corporate substantial increase in overdue accounts receivable. Some companies bad debt ratio as high as 30%, far higher than the average Western companies the level of 0.25% -0.5%, while when arrears arise, exporters tend to suffer from do not understand the local legal system, practices and procedures, coupled with language barriers, can not effectively be recovered outside the insurance company to remind, the policyholder has found other signs of arrears , we must notify the insurance company as soon as possible, beyond the claim if the notice period will be lost if the policyholder will have to pay attention to their own recovery: buyers verbally commit to a repayment, should build on the progress so that it issue a written repayment agreement. In addition, the second shipment if the buyer has not been receiving, should strive to control the right goods, in order to reduce the loss of export credit insurance is the country to encourage and promote theirexport trade , the export business for many importing countries because of political commitment risks (including war, exchange controls, import controls and issuing deferred payment, etc.) and importer business risks (including bankruptcy, arrears and rejected) the loss caused by exchange earnings insurance policy now, small and medium export enterprises in China the main force in the SME risk-bearing capacity is weak, the internal risk of poor reading ability in this case, the flexible use of export credit insurance is very important, though export credit insurance to provide enterprises with a very comprehensive protection, but because of the special nature of insurance, operating up to pay attention to many details, choose the right insurance means suitable products is particularly important.engaged in export tradeto provide small and medium businesses for more than a few cases to help SMEs understand the insured export credit insurance of some note.>