credit risk insurance

简明释义

信用风险保险

英英释义

例句

1.Many companies opt for credit risk insurance to protect themselves against potential defaults from clients.

许多公司选择信用风险保险来保护自己免受客户可能违约的影响。

2.With credit risk insurance, businesses can secure their receivables and ensure cash flow stability.

通过信用风险保险，企业可以保障其应收账款并确保现金流的稳定性。

3.Investors often use credit risk insurance as a hedge against the risk of bond defaults.

投资者通常使用信用风险保险作为对抗债券违约风险的对冲工具。

4.The bank required the borrower to obtain credit risk insurance before approving the loan.

银行要求借款人在批准贷款之前获得信用风险保险。

5.The logistics company purchased credit risk insurance to mitigate losses from shipping delays and client insolvencies.

这家物流公司购买了信用风险保险以减少因运输延误和客户破产造成的损失。

作文

In today's global economy, businesses face numerous challenges, one of which is the risk of non-payment by customers. This risk can be particularly detrimental for companies that rely on credit sales. To mitigate this risk, many organizations turn to financial instruments such as credit risk insurance. This type of insurance provides protection against the possibility that a buyer will default on their payment obligations, thereby safeguarding the seller's revenue stream.Credit risk insurance, or in Chinese, "信用风险保险", acts as a safety net for businesses, allowing them to extend credit to customers with greater confidence. By purchasing this insurance, companies can protect themselves from losses due to insolvency or other financial difficulties faced by their clients. This is particularly important for small and medium-sized enterprises (SMEs) that may not have the financial resources to absorb significant losses.The process typically involves a thorough assessment of the buyer's creditworthiness by the insurance provider. Once the assessment is complete, the insurer will offer coverage that can vary in terms of the percentage of the invoice amount that is protected. For instance, a company might purchase credit risk insurance that covers up to 90% of the invoice value in case of default. This allows businesses to manage their cash flow more effectively, knowing that a portion of their receivables is insured.Moreover, credit risk insurance can also enhance a company's ability to secure financing. Lenders are often more willing to provide loans to businesses that have this type of insurance in place, as it reduces the perceived risk associated with extending credit. This can lead to better borrowing terms and increased access to capital, enabling businesses to grow and invest in new opportunities.Another significant advantage of credit risk insurance is that it can help companies expand into new markets. When entering unfamiliar territories or dealing with new customers, businesses may be hesitant to offer credit due to concerns about payment reliability. However, with the backing of credit risk insurance, companies can confidently engage with new clients, knowing they are protected against potential defaults.In addition to providing financial security, credit risk insurance can also offer valuable insights into market trends and customer behavior. Insurers often conduct extensive research and analysis to assess the creditworthiness of buyers. This information can be beneficial for businesses, helping them make informed decisions about whom to extend credit to and under what terms.Despite its many benefits, some businesses may be hesitant to invest in credit risk insurance due to the costs associated with premiums. However, it is essential to weigh these costs against the potential losses that could occur from unpaid invoices. In many cases, the protection offered by this insurance far outweighs the expense, making it a prudent investment for businesses looking to safeguard their financial health.In conclusion, credit risk insurance serves as a crucial tool for businesses navigating the complexities of credit sales. By providing a safety net against customer defaults, it enables companies to extend credit with confidence, secure financing, and explore new markets. As the global economy continues to evolve, the importance of credit risk insurance will only grow, making it an essential consideration for businesses of all sizes.

在当今全球经济中，企业面临着许多挑战，其中之一就是客户不付款的风险。这种风险对于依赖信用销售的公司来说尤其具有破坏性。为了减轻这种风险，许多组织转向金融工具，例如信用风险保险。这种保险为卖方提供了保护，以防买方违约，从而保护卖方的收入流。信用风险保险，或中文称之为“信用风险保险”，充当了企业的安全网，使它们能够更有信心地向客户提供信用。通过购买这种保险，公司可以保护自己免受因客户破产或其他财务困难而导致的损失。这对于小型和中型企业（SME）尤其重要，因为它们可能没有足够的财务资源来吸收重大损失。这个过程通常涉及保险提供商对买方信用worthiness的全面评估。一旦评估完成，保险公司将提供覆盖范围，这可能会根据被保险发票金额的百分比而有所不同。例如，一家公司可能会购买覆盖高达90%发票价值的信用风险保险，以防违约。这使得企业能够更有效地管理现金流，因为他们知道一部分应收账款是有保险的。此外，信用风险保险还可以增强公司获得融资的能力。贷方通常更愿意向拥有这种保险的企业提供贷款，因为这降低了与扩展信用相关的感知风险。这可以导致更好的借贷条件和更大的资本获取能力，使企业能够发展和投资新机会。信用风险保险的另一个显著优势是，它可以帮助公司扩展到新市场。当进入不熟悉的领域或与新客户打交道时，企业可能会因为担心付款可靠性而犹豫提供信用。然而，在信用风险保险的支持下，公司可以自信地与新客户接触，因为他们知道自己受到潜在违约的保护。除了提供财务安全外，信用风险保险还可以提供有关市场趋势和客户行为的宝贵见解。保险公司通常会进行广泛的研究和分析，以评估买方的信用worthiness。这些信息对企业是有益的，帮助他们做出关于向谁提供信用及其条款的明智决策。尽管有许多好处，一些企业可能会因为保费相关的成本而犹豫投资于信用风险保险。然而，权衡这些成本与未付发票可能造成的潜在损失是至关重要的。在许多情况下，这种保险提供的保护远远超过费用，使其成为希望保护财务健康的企业的明智投资。总之，信用风险保险作为企业应对信用销售复杂性的关键工具。通过为客户违约提供安全网，它使公司能够自信地扩展信用、获得融资并探索新市场。随着全球经济的不断发展，信用风险保险的重要性只会增加，使其成为各种规模企业必须考虑的要素。