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出口信用保险是各国政府为了推动本国的出口贸易，保障出口企业的收汇安全而制定的一项由国家财政提供保险风险基金的政策性保险业务，是国际上公认的支持出口、防范收汇风险的有效手段。 我国出口信用保险目前存在的问题 我国出口信用保险开办时间短，各方面的经验和数据积累还不足，不可避免地存在一些问题。 (一)高费率抑制投保需求 2004年我国出口信用保险短期险费率为0．8％，中长期险种费率为4．9％，当前平均费率为1．8％，外贸企业认为过高的出口信用保险费率增大了外贸企业成本，
Export credit insurance is a policy insurance business established by national governments to provide insurance risk funds by state finance in order to promote their own export trade and safeguard the foreign exchange earnings of export enterprises. It is internationally accepted as a policy insurance business to support export and prevent foreign exchange risks Effective means. Problems Existing in Export Credit Insurance in China Short run time for export credit insurance in our country and accumulation of experience and data in various fields are still not enough. There are inevitably some problems. (A) high rates of restraint insured demand 2004 China’s export credit insurance short-term insurance premium rate of 0.8%, medium and long-term insurance rates 4.9%, the current average rate of 1.8%, foreign trade companies that over High export credit insurance rates increased the cost of foreign trade enterprises,