我最近写了一篇文章为什么SME不要确保他们最重要的资产-应收款项which covered欧拉爱马仕新的简约产品。肯定是中小企业消除支付风险的一种方式是出售不追索的应收款项。但是使用信用保险是另一种选择，只有一个非常小的数字。银行和应对公司经常购买信用保险以支付投资组合风险，将这些费用传递给借款人。
But drilling deeper as to why more companies do not buy credit insurance, I will quote Kevin Humphrey, from Arthur J. Gallagher & Co, “Trade credit insurance should continue to grow in the US, but the “hockey stick” acceleration in growth that many people have predicted has always been hampered by a variety of issues that I group into a few clusters: 1) Cultural 2) Underwriting 3) Claims (“Disputes”)
我可能会增加购买或价格的直接产品，而是这是另一个问题。我想探索索赔问题。当买家未支付时，我都会问欧拉爱马仕发生的事情发生了什么。它们如何定义“未能支付”？他们如何验证它？正如我们在普通业务中所知，买方欠钱，时间通过，付款未付款。该延长延迟何时成为违约行为是一个关键问题。欧拉爱马仕回应如下：
“简单起见,以及大多数贸易信贷保险policies, are generally for short-term accounts receivable. If a policyholder’s buyer becomes insolvent, they can file a claim after 30 days whether or not their invoices are overdue. For the most part, policyholders file all other claims 90 days after the “First Overdue Date” – the original date on which any receivable due from a buyer first becomes overdue. Policyholders may be asked to submit some supporting documents including A/R aging, purchase orders, invoices and proof of delivery, which help expedite the claims and collections process."
贸易信用保险仅为债务人破产提供保护。并且变得破产可能与“未能支付”不同。大多数贸易信贷索赔在逾期日期后90天提交，但为平均提供某种形式的短期流动性提供资金提供者正在为发票提供60天或更短的资金。
我向发票融资专家他对信用保险的看法，他根据他作为许多商业周期的贷方的经验做出了一些有趣的观点：
- 首先，他的经验中的99％的延误是争议，这不是信用保险问题。
- 其次，平均交易条款未满50天，因此即使存在延迟，金融家将需要预测，如果账户债务人将在接下来的60到90天内会破产。
- 信用保险增加了价格
因此，“长期违约”的概念与彻头彻尾的破产是一个挑战的概念。虽然保险可以提供安心，但请记住，您只与索赔进程一样好。
别忘了报名参加TFMS每周摘要的TFMS摘要here
Utilizing a specialty broker who only focus in credit insurance helps negate fears of claims being mishandled or “Process” as stated in the article. A good credit insurance broker will have access to the entire market place making sure all suitable carriers are brought into the quoting process. A brokers job is to limit the amount of conditions that exist in a policy as they differ by carrier. He or she should have direct access to the a claims specialist with each specific carrier and help guide you through the claims process in an effort to protect your filing rights and avoid delays. What this article doesn’t address is credit insurance is sought out by financials institutions primarily as a mechanism to increase lending. Utilizing the underwriter clout that many insurance carriers have and their ability to gain information such as financials can mean the difference between lending against receivables on a specific debtor or saying no and loosing a sale. The profit generated from just one meaningful account could potentially cover the policy cost. In addition, having a very quick response time for on-boarding a new debtor to lend against receivables and the ability to potentially sell beyond an “in-house credit limit” that exist without the use of credit insurance are also advantages.