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高层管理者和董事责任重大，他们必须确保影响到企业可持续发展的所有威胁都得到控制和管理。在履行企业管理职责的框架内，信用风险可能会被忽略。然而，坏账对企业的影响可能会是灾难性的。
除了基本资产负债表保护外，信用保险的真实价值还在于，它不仅帮助改善现金流和降低借款利率，而且还有助于提高您在银行的筹资水平。它为您与新合伙人和产品建立贸易关系提供一个安全平台，或者，在新市场，为您提供相对于使用其自己的资产负债表为这种风险提供资金的其他企业的竞争优势。
我们战略性的运用达信与全球承保人建立的合作关系为您创造尽可能高的价值，我们拥有一个专业的贸易信用保险专家团队，对相关问题、保险市场和可用解决方案具有深入的了解。
我们拥有独立的贸易信用保险理赔管理团队为您提供索赔管理和支持服务。这些服务能帮您缩短理赔时间、改善您的现金流和缓释拒赔风险及其对盈利能力的影响。
结果:达信贸易信用服务部为您提供的保险条款和计划结构不仅能够最大程度提高保护水平，还可以最大程度地降低您的成本。
Grow your business and competitive advantage during an uncertain economic outlook
Companies across all industries are facing exceptional challenges due to the current economic crisis caused by COVID-19. Many companies are dealing with significant payment delays of their receivables that can cause cash flow challenges and concerns around their debtors.
More often than not, companies continue to hold on to receivables that remain unpaid over 180 days or more in the hope of collecting these delinquent debts. However, leading credit insurers predict that insolvencies will rise significantly in 2021 and 2022 and further increase the risk of non-payment.
This uncertain outlook has led to most companies experiencing an increase in delayed payments, impacting their own cash flow.
How can Trade Credit Insurance help?
Companies with increased liquidity and credible information around their debtors will outperform their competitors and emerge as strong and profitable winners of the crisis.
Trade credit insurance provides businesses the ability to sell more products or provide more services to existing customers or expand to new customers that may otherwise have devastating impacts on the cash flow and profitability, should the customers delay or fail to pay due to insolvency or political events.
As companies are expanding their operations across geographic boundaries, ensuring timely payments is becoming more challenging. The rapid rise of emerging economies and intensified competition has increased the demand for aggressive credit terms by clients. Unfortunately, the harsh reality for businesses means there will be times when some customers cannot make their payments or will delay doing so.
Insuring accounts receivables from unforeseen losses due to non-payment is critical to a business’s survival, enabling them to deliver sustainable and uninterrupted growth during unpredictable economic cycles and in volatile global markets.
Benefits of Trade Credit Insurance
- Increase sales and grow market share
Trade Credit Insurance enables companies to extend more credit to customers while reducing the risk of non-payment, thereby promoting secured sales expansion, for example, expanding to new geographic areas and reducing dependence on L/C’s.
- Access to liquidity
Credit insurance may be accepted as collateral to improve lending facilities with financial institutions. This can potentially deliver additional funding capabilities to support a company’s growth.
- Create shareholder value
Many public firms have used Trade Credit Insurance as a strategic solution to enable profitable growth and an assurance to shareholders that their large key assets on the balance sheet are protected. Accounts receivables may constitute upwards of 40% of assets on the balance sheet.
- Balance sheet protection
Mitigate losses from buyer defaults caused by insolvency, non-payment or political events.
Marsh Specialty Trade Credit Practice
Global footprint to enable ease of business
With a global network of 400 dedicated and award-winning trade credit specialists spanning across 52 countries, Marsh Specialty Trade Credit Practice has experts who understand the culture, language, regulations, industry practices and economic landscape in every country where business is established to help companies manage receivables risk by providing access to credit insurance solutions. For multinational companies, our internationally coordinated Global Client Group’s team facilitates credit placements across the 52 countries.
Longstanding carrier relationships
Leveraging Marsh’s longstanding global relationships with insurers, Marsh Specialty Trade Credit Practice can provide insurance terms and develop program structures that maximize your protection against uninsured non-payment. In addition, our multinational service team provides claims management and advocacy services that help to ensure compliance with local insurance laws.
Recognized Credit Specialty Practice in the industry
Marsh is a global leader in insurance broking and innovative risk management solutions, awarded by Global Trade Review as the winner for the Best Credit and Political Risk Global Broker Award in 2020 and Leaders in Trade for Sustainability Award in 2021.
For more information about Trade Credit and other solutions from Marsh, please contact your local Marsh representative.