중국 중소기업의 수출신용보험 활용 및 수출성과에 관한연구

초록

The purpose of this study is to analyze the factors affecting the trade insurance utilization of exporting small enterprises and their effect on export performance. To identify the factors that affect the Chinese SMEs’ utilization of export insurance, examine whether export insurance utilization positively affects export performance, and whether export insurance utilization mediates the relationship between the export firm characteristics, SINOSURE characteristics and export performance, we conducted a questionnaire survey on employees of SMEs in China and conducted Smart PLS 3.0. Results of this analysis are as follows. First, the level of export orientation and export risk management positively affects the utilization of export credit insurance, and the effect of recognition of export credit insurance on export credit insurance utilization is statistically insignificant. Second, in terms of characteristics of export credit insurance companies, all of the factors have a positive effect on utilization of export credit insurance. Third, the utilization of export credit insurance helps improve the export performance of SMEs. Fourth, the mediating effect of export credit insurance was found to be statistically insignificant.

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