完善我国出口信用保险制度的研究
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摘要
出口信用保险是国际贸易与国际金融相互交叉的一个重要经济领域。它是各国政府为鼓励本国国际贸易、海外投资，而建立的政策性保险制度。世界上许多国家均建立了健全的出口信用保险制度，保障出口企业的收汇安全，从而对促进本国的出口事业起到积极的促进作用。我国出口信用保险制度的历史较短，因此在政府监管及出口信用保险机构的建设等方面存在许多不足。本文拟对出口信用保险基本原理进行研究，探究我国出口信用保险存在的问题，进而就完善我国出口信用保险制度提出建议，以期对我国出口信用保险制度达到促进出口的政策目标有所裨益。全文分两大部分：
第一部分，出口信用保险的基本原理。
第一章、出口信用保险的概述。主要是对出口信用保险的概念、起源、发展、特征、种类、作用和法律原则等基本问题做一介绍性论述。
第二章、出口信用保险同其他同类业务的比较研究。重点分析与出口信用保险有一定联系的业务同出口信用保险的竞争合作。从而为后文分析出口信用保险在我国国民经济发展中的必要性做一铺垫。
第三章、世界各国开展出口信用保险制度的经验分析。研究各国出口信用保险机构不同的经营模式，并归纳出各国出口信用经营模式的共性，从而为完善我国出口信用保险制度提供借鉴。
第二部分，完善我国出口信用保险制度的研究。
第一章、我国出口信用保险制度的历史及现状。对我国出口信用保险制度的历史及现状进行评价，并分析加入WTO对我国保险业特别是对我国出口信用保险的影响，作为探讨完善我国出口信用保险制度的一个着眼点。
第二章、我国发展出口信用保险的必要性。从发展信用经济、我国国际贸易发展、企业自身发展、“走出去”战略四个方面论述了出口信用保险在我国现阶段经济发展中的必要性。
第三章、我国出口信用保险发展中存在的问题及对策研究。在分析我国出口信用保险制度存在的问题及前文逐步分析的基础上，从政府、社会、出口信用保机构三个层面，对完善我国出口信用保险制度提出建议。
Export credit insurance is a quite important economic field between international trade and international finance, which is an insurance system established as a policy by the government to advance export trade and overseas investment. Many counties have established sound and complete export credit insurance to guarantee the remittance collection, therefore play an active role in promoting export trade. However, in terms of the short history of our export credit insurance system, it still has lots of flaws. This thesis intends to base on the discussion of the fundamental principles, then to investigate the problems in this system, and to further propose tentative plan of completing our national export credit insurance system. The author expects that this thesis will be beneficial in export credit insurance stimulating export trade. This thesis consists in two parts as follows.
The first part discusses the fundamental principles of export credit insurance. Four chapters are in it.
1. Survey on export credit insurance, which focuses on the discussion on concept, origin, development, features, category, functions and managerial principles of export credit insurance.
2. Comparison with other related products. This chapter mainly analyzes competition and cooperation between export credit insurance and common commercial insurance, export goods insurance, export credit and factoring, so as to lay foundation for followed research.
3. Comparative research on managerial pattern of export credit insurance. From national intervention degree and pattern, this thesis will analyze the essential operation patterns of the different managerial modes adopted by different countries' export credit insurance institutes, their advantages and disadvantages and the generalities of export credit insurance managerial pattern.
The second part involves the research on completing our national export credit insurance. Three chapters are in it.
1. Review of our national export credit insurance. This paper will evaluate the history and development of our national export credit insurance, and analyze how
WTO agreements impact our insurance industry, especially the export credit insurance system.
2. The necessity to develop export credit insurance in our country. From for points, the need to develop credit economy, to develop our international trade, to promote the growth of the enterprises and "going out" strategy, this thesis will discuss why we have to complete export credit insurance system.
3. Research on the existing flaws and corresponding strategies. Based on discussion of the existing flaws and the above analysis, from the perspectives of government, society and institute, plans to complete our national export credit insurance will be put forward.
第一部分，出口信用保险的基本原理。
第一章、出口信用保险的概述。主要是对出口信用保险的概念、起源、发展、特征、种类、作用和法律原则等基本问题做一介绍性论述。
第二章、出口信用保险同其他同类业务的比较研究。重点分析与出口信用保险有一定联系的业务同出口信用保险的竞争合作。从而为后文分析出口信用保险在我国国民经济发展中的必要性做一铺垫。
第三章、世界各国开展出口信用保险制度的经验分析。研究各国出口信用保险机构不同的经营模式，并归纳出各国出口信用经营模式的共性，从而为完善我国出口信用保险制度提供借鉴。
第二部分，完善我国出口信用保险制度的研究。
第一章、我国出口信用保险制度的历史及现状。对我国出口信用保险制度的历史及现状进行评价，并分析加入WTO对我国保险业特别是对我国出口信用保险的影响，作为探讨完善我国出口信用保险制度的一个着眼点。
第二章、我国发展出口信用保险的必要性。从发展信用经济、我国国际贸易发展、企业自身发展、“走出去”战略四个方面论述了出口信用保险在我国现阶段经济发展中的必要性。
第三章、我国出口信用保险发展中存在的问题及对策研究。在分析我国出口信用保险制度存在的问题及前文逐步分析的基础上，从政府、社会、出口信用保机构三个层面，对完善我国出口信用保险制度提出建议。
Export credit insurance is a quite important economic field between international trade and international finance, which is an insurance system established as a policy by the government to advance export trade and overseas investment. Many counties have established sound and complete export credit insurance to guarantee the remittance collection, therefore play an active role in promoting export trade. However, in terms of the short history of our export credit insurance system, it still has lots of flaws. This thesis intends to base on the discussion of the fundamental principles, then to investigate the problems in this system, and to further propose tentative plan of completing our national export credit insurance system. The author expects that this thesis will be beneficial in export credit insurance stimulating export trade. This thesis consists in two parts as follows.
The first part discusses the fundamental principles of export credit insurance. Four chapters are in it.
1. Survey on export credit insurance, which focuses on the discussion on concept, origin, development, features, category, functions and managerial principles of export credit insurance.
2. Comparison with other related products. This chapter mainly analyzes competition and cooperation between export credit insurance and common commercial insurance, export goods insurance, export credit and factoring, so as to lay foundation for followed research.
3. Comparative research on managerial pattern of export credit insurance. From national intervention degree and pattern, this thesis will analyze the essential operation patterns of the different managerial modes adopted by different countries' export credit insurance institutes, their advantages and disadvantages and the generalities of export credit insurance managerial pattern.
The second part involves the research on completing our national export credit insurance. Three chapters are in it.
1. Review of our national export credit insurance. This paper will evaluate the history and development of our national export credit insurance, and analyze how
WTO agreements impact our insurance industry, especially the export credit insurance system.
2. The necessity to develop export credit insurance in our country. From for points, the need to develop credit economy, to develop our international trade, to promote the growth of the enterprises and "going out" strategy, this thesis will discuss why we have to complete export credit insurance system.
3. Research on the existing flaws and corresponding strategies. Based on discussion of the existing flaws and the above analysis, from the perspectives of government, society and institute, plans to complete our national export credit insurance will be put forward.
引文
1、杨学进著，《出口信用保险规范与运作》，中共中央党校出版社，1995版
2、冯大同编著，《国际贸易法》，北京大学出版社，1995年版
3、李嘉华主编，《涉外保险法》，法律出版社，1991年版
4、中国人民银行保险司、条法司编，《中华人民共和国保险法》，法律出版社，1995年版
5、李萍主编，《保险法新释与例解》，同心出版社，2000年版
6、邹海林编，《保险法教程》，首都经贸出版社，2002年版
7、王立新著，《现代国际保理通论》，中国物价出版社，2002年版
8、吴百福主编，《国际货运风险与保险》，对外经济贸易大学出版社，2002年版
9、穆林林编，《出口信贷与保险》，中国对外经济贸易出版社，1996年版
10、佟志广、雷祖华、顾鸣超主编，《结构贸易融资》，中信出版社，1997年版
11、刘舒年编著，《西方国家与我国的出口信贷体系》，对外经济贸易出版社，1997年版
12、[英]约翰T·斯蒂尔，《保险的原则与实务》，孟兴国等译，中国金融出版社，1992年版
13、[美]H·范里安著，《微观经济学：现代观点》，费方域等译，上海人民出版社，1991年版
14、傅京燕．关于完善我国出口信用保险制度的思考．国际经贸探索，2000，4
15、陈从华．偏离官方支持——我国出口信用保险业务的运作与管理．国际贸易，2002，3
16、杨国铭．出口信用保险是化解外贸出口风险的有效办法．国际商务研究，1995，5
17、谷祖沙．略论出口信用保险与外国贸易实践．经济问题探索，2000，3
18、Berne Union, Berne Union Year Book, 2003
19、Brian Coyle, Framework for credit risk management, 2000
20、James C. Baker, Financing international trade, 2003
21、A. H. Swain, Commercial credit risks; export credits and credit insurance, 2002
22、Holly Ulbrich, International Trade and Finance. New Jersey: Prentice-Hall Ine, 1983
23、D. P Whiting, Finance of International Trade and Foreign Exchange, Macdonald and Evens Limited, 1989
24、Hossein Razavi, Ph. D, Financing Energy Protects in Emerging Fconomies, Pennwell Books, Pennwell publishing, 1996
25、J.P. Molland. International Financial Management, Basil Blackwell Ltd, 1986
26、Jackie Whitley. Foreign Exchange, New York: Stockton Press, 1992
27、Charles L. Cabala, Credit Management:Principles and Practices, Megraw-Hill Book Co. 1996
28、《国际商报》2001-2003年各期
29、《上海保险》1999-2003年各期
30、《保险研究》2001-2003年各期
31、《中国保险报》2001-2003年各期
32、中国期刊全文数据库
33、国务院发展研究中心信息库
34、http://www.google.com
35、http://www.baidu.com
2、冯大同编著，《国际贸易法》，北京大学出版社，1995年版
3、李嘉华主编，《涉外保险法》，法律出版社，1991年版
4、中国人民银行保险司、条法司编，《中华人民共和国保险法》，法律出版社，1995年版
5、李萍主编，《保险法新释与例解》，同心出版社，2000年版
6、邹海林编，《保险法教程》，首都经贸出版社，2002年版
7、王立新著，《现代国际保理通论》，中国物价出版社，2002年版
8、吴百福主编，《国际货运风险与保险》，对外经济贸易大学出版社，2002年版
9、穆林林编，《出口信贷与保险》，中国对外经济贸易出版社，1996年版
10、佟志广、雷祖华、顾鸣超主编，《结构贸易融资》，中信出版社，1997年版
11、刘舒年编著，《西方国家与我国的出口信贷体系》，对外经济贸易出版社，1997年版
12、[英]约翰T·斯蒂尔，《保险的原则与实务》，孟兴国等译，中国金融出版社，1992年版
13、[美]H·范里安著，《微观经济学：现代观点》，费方域等译，上海人民出版社，1991年版
14、傅京燕．关于完善我国出口信用保险制度的思考．国际经贸探索，2000，4
15、陈从华．偏离官方支持——我国出口信用保险业务的运作与管理．国际贸易，2002，3
16、杨国铭．出口信用保险是化解外贸出口风险的有效办法．国际商务研究，1995，5
17、谷祖沙．略论出口信用保险与外国贸易实践．经济问题探索，2000，3
18、Berne Union, Berne Union Year Book, 2003
19、Brian Coyle, Framework for credit risk management, 2000
20、James C. Baker, Financing international trade, 2003
21、A. H. Swain, Commercial credit risks; export credits and credit insurance, 2002
22、Holly Ulbrich, International Trade and Finance. New Jersey: Prentice-Hall Ine, 1983
23、D. P Whiting, Finance of International Trade and Foreign Exchange, Macdonald and Evens Limited, 1989
24、Hossein Razavi, Ph. D, Financing Energy Protects in Emerging Fconomies, Pennwell Books, Pennwell publishing, 1996
25、J.P. Molland. International Financial Management, Basil Blackwell Ltd, 1986
26、Jackie Whitley. Foreign Exchange, New York: Stockton Press, 1992
27、Charles L. Cabala, Credit Management:Principles and Practices, Megraw-Hill Book Co. 1996
28、《国际商报》2001-2003年各期
29、《上海保险》1999-2003年各期
30、《保险研究》2001-2003年各期
31、《中国保险报》2001-2003年各期
32、中国期刊全文数据库
33、国务院发展研究中心信息库
34、http://www.google.com
35、http://www.baidu.com