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信用风险日益凸显本次金融危机对我国出口企业影响较大,外贸企业出口逾期未收汇、远期收汇备案、不足额收汇以及赔款等问题逐渐增多,出口企业订单中赊销的比例逐渐上升,境外开证行联合境外进口商逃废信用证的事件时有发生,国内企业在出口收汇环节面临的违约现象增多。这都属于企业面临的信用风险。信用风险是指借款人因各种原因未能及时、足额偿还债务或银行贷款而违约的可能性。其往往由国家风险和商业风险构成。传统的国家风险主要包括征收、战争、汇兑限制和政府违约等。
The credit risk has become increasingly prominent The current financial crisis has a great impact on China’s export enterprises, foreign trade enterprises overdue collection of foreign exchange earnings, forward foreign exchange filing, inadequate foreign exchange collection and indemnities and other issues gradually increased, the proportion of export business credit sales gradually increased , The overseas issuing bank joint overseas importers escaped letters of credit from time to time occur, the domestic enterprises face the phenomenon of default in the exchange of exports increased. All belong to the credit risk facing the enterprise. Credit risk refers to the possibility that the borrower defaults on time and in full to repay the debt or the bank loan for various reasons. It often consists of national and commercial risks. The traditional national risks mainly include expropriation, war, exchange restrictions and government default.