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effective tools, but also the international practice, can help companies in the process of developing international market effectively avoid foreign exchange risks, increasing trade opportunities and expand financing channel to track the buyer information. After the insured, in the event the buyer bankruptcy, insolvency, arrears, reject the goods and other business risks, the buyer country outbreak of war, unrest, trade controls, exchange controls and other political risks, companies receive up to the amount of compensation for the loss of exports to 90 %. Foreign trade enterprises mostly small and micro stragglers, the state alone, in the first of the crisis affected trade, export credit insurance to protect small and micro enterprises to avoid foreign counterparty risks dragging account debts deadbeat. But it is precisely the most vulnerable to crisis insurance rates for small and micro enterprises has always been very low. In Shanghai, for example, currently there are about 15,000 small micro Shanghai export enterprises, but short-term export credit insurance insurance initiative of few, underwriting coverage is low. Coverage ratio is low, on the one hand is the enterprise awareness is still relatively weak, the other part of the business that the high risk premium rates higher in overseas markets, low risk areas is not necessary to buy.

Third, the development of small and micro enterprises multidimensional support foreign trade
(A) implement the national policy
To implement the State Council executive meeting "on the promotion of foreign trade steady growth in number of opinions" spirit of small and micro enterprises export credit insurance coverage, and guide to help small and micro export enterprises to avoid risks, to support small and micro export enterprises to explore the international market, local should be introduced to implement the State policy specific measures to promote the development of small and micro enterprises of foreign trade. For example, the Beijing Municipal Commerce Commission and the China Export & Credit Insurance Corporation signed a "small and micro enterprises in Beijing (2011 Exports $ 1,000,000 (including) the following) the insurance of export credit insurance agreement," according to the agreement, Beijing for the 2011 annual export scale In the $ 1 million (including) or less, and in 2012 foreign trade export performance for the insurance of small and micro enterprises short-term export credit insurance. Yiwu City, introduced the "market dealers and small micro-credit insurance foreign trade companies to support linkage protection program", provides in July 2012 until the end of 2012, Yiwu 378 qualifying foreign trade circulation enterprises, small and micro insurance export credit insurance, the municipal Finance "full pay." October 2012, Heilongjiang Provincial Department of Commerce, Department of Finance and the China Credit Insurance Changchun Office decided to start "one hundred small and micro enterprises export credit insurance support scheme" for the province last year, customs export data $ 3,000,000 following key industries, export potential of 100 small micro-export enterprises, the premium paid in full by the government.
(Two) to strengthen the small and micro financial support for foreign trade enterprises
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