出口信用保险指南：探索中国采购的延期付款条款
Export Credit Insurance Guide: Explore Deferred Payment Terms for China Purchases
许多境外买家希望与中国供应商采用赊销（O/A）延期付款条款，却因境外买家信用状况不明而难以获得可接受的账期。人保（PICC）出口信用保险是帮助买家争取 30–180 天中国采购付款条款的广泛采用的解决方案。
Many overseas buyers want to adopt deferred payment (O/A) terms with Chinese suppliers, yet struggle to obtain acceptable credit terms due to unknown overseas buyer credit profiles. PICC export credit insurance is a widely adopted solution to help buyers explore 30–180 days payment terms for China procurement.
核心前提：申请必须由中国供应商发起，境外买家不能直接提交保险申请。没有供应商配合，整个流程无法推进。
Core prerequisite: The application must be initiated by the Chinese supplier. The overseas buyer cannot file the insurance application directly. Without supplier cooperation, the whole process cannot proceed.
保险方的一项关键要求：启动境外收货人尽职调查，至少需要 3 个境外收货人。若提交的收货人不足 3 个，保险方不会开展尽调。尽调由保险公司执行。
A key requirement from the insurer: to launch the overseas consignee due diligence, a minimum of 3 overseas consignees is required. The insurer will not conduct due diligence if fewer than 3 consignees are submitted. The due diligence is performed by the insurance carrier.
✅ 完整申请与尽调流程
✅ Full Application & Due Diligence Workflow
1. 供应商发起 PICC 出口信用保险申请。PICC 提供所需单证清单和申请表格。
1. Supplier initiates the PICC export credit insurance application. PICC provides the required document checklist and application forms.
2. 供应商提交不少于 3 个境外收货人的信息；我们的团队协助准备单证并进行买卖双方的双语沟通。
2. The supplier submits information of no less than 3 overseas consignees; our team assists in document preparation and bilingual communication between buyer and supplier.
3. PICC 对提交的收货人开展境外尽职调查。保险方更希望收货人池更大，以便更好地分散风险。
3. PICC carries out overseas due diligence on the submitted consignees. The insurer prefers a larger pool of consignees for better risk diversification.
4. PICC 核保人员审核尽调结果，批准或拒绝信用限额申请。获批的信用限额对应可用的延期付款账期。
4. PICC underwriter reviews the due diligence results, approves or declines credit limit application. The approved credit limit corresponds to the available deferred payment term.
5. 获批的付款账期为 30 天至 6 个月，具体取决于境外收货人的财务状况和信用记录。
5. Approved payment terms range from 30 days to 6 months, determined by the financial standing and credit history of the overseas consignee.
✅ 我们支持的内容
✅ What we support
我们帮助境外买家了解出口信用保险的完整流程，组织公司文件，并指导与中国供应商的沟通。我们向供应商解释申请要求，并推动整个尽调和信用限额申请流程。
We help overseas buyers understand the full export credit insurance workflow, organize company documents, and guide communication with Chinese suppliers. We explain application requirements to suppliers and facilitate the whole due diligence and credit limit application process.
如果您现有的供应商不愿配合保险申请，我们可以介绍经过初步筛选、规模相近的合作供应商，作为一项单独的附加服务。
If your existing supplier is unwilling to cooperate with the insurance application, we can introduce alternative pre-screened cooperative suppliers of similar scale as a separate add-on service.
注意：初步筛选仅指初步的信息审查；我们不对所介绍供应商的履约能力或信用状况作任何担保。
Note: Pre-screening refers to preliminary information review only; we do not guarantee the performance or credit status of introduced suppliers.
✅ 关键合规提示
✅ Key Compliance Notes
– 申请发起权专属中国供应商。供应商的配合是必要条件。
– Application initiation right belongs exclusively to the Chinese supplier. Supplier cooperation is mandatory.
– 保险方要求至少三个境外收货人才能启动尽调。
– The insurer requires at least three overseas consignees to start due diligence.
– 信用限额能否获批取决于 PICC 的核保风险评估及境外买家尽调结果，不保证限额获批。
– Credit limit approval is subject to PICC’s underwriting risk assessment and overseas buyer due diligence result. No guarantee of credit limit approval.
– 我们仅提供单证安排和流程指导。我们不是保险经纪，不出具保单，也不承保风险。
– We provide document arrangement and process guidance only. We are not an insurance broker and do not issue insurance policies or underwrite risks.
– 该保险覆盖应收账款风险，帮助境外买家与中国供应商谈判延期付款条款。
– The insurance covers trade receivable risks, enabling overseas buyers to negotiate deferred payment terms with China vendors.
如果您想为中国采购探索延期付款方案，欢迎私信我们讨论您的贸易信用需求。
If you want to explore deferred payment options for your China purchases, welcome to DM us to discuss your trade credit needs.
相关服务套餐 | Related Service Package
- Service Package H: Export Credit Insurance Due Diligence Compliance Guidance Service — export credit insurance due diligence
#ExportCreditInsurance #PICC #ChinaProcurement #DeferredPayment #OATerms #TradeFinance
Diana Ding has over ten years of hands-on cross-border business experience. Her expertise covers international trade, ocean freight, international insurance, cross-border legal risk control, international exhibitions, international marketing, overseas investment promotion and cross-border investment.
At 19, while studying in her second year of university, she joined her family’s maritime business. She built a solid understanding of maritime legal risks and risk control systems. Between 21 and 22, she served as CEO of the family shipping company, independently managing the operation team.
From 22 to 23, Diana led the family enterprise’s international trade division. She managed teams and negotiated directly with clients across the Middle East, Africa and Southeast Asia. She gained deep insights into export credit insurance and its role in securing trade payment terms, alongside broad knowledge of international insurance. During this period, she worked on-site in Dubai, developing business through international exhibitions and international marketing until age 24.
She pursued further studies in Europe from 24 and returned to China at 26. Back in China, she focused on foreign investment attraction and cross-border investment projects, gaining extensive hands-on experience in government liaison and project delivery.
In 2018, she travelled to Pakistan, Malaysia and Dubai for frontline investment work. She took part in the development and investment promotion of the China-UAE Industrial Capacity Cooperation Demonstration Zone and helped multiple manufacturers establish operations there. She supported Chinese enterprises investing in the Gwadar Port region and coordinated the groundwork for China Tobacco’s market entry into Pakistan. Under her leadership, her organization became an official partner of the Dubai Department of Economy and Tourism. In 2023, Diana was appointed Director of the International Department at the National Belt and Road Working Committee.
Today, drawing on rich practical experience across international operations, Diana delivers one-stop China market entry solutions for foreign investors. Her services include FDI incorporation, capital registration, foreign enterprise compliance, residence permit applications for foreign executives and their families, and cross-border investment risk assessment.
All blog articles are original content written by Diana from real project experience, not AI-generated. Insights and case studies are for reference only. Final approvals depend on enterprise conditions and the latest rules of competent authorities.
Connect with Diana via LinkedIn for cross-border investment discussions.
相关服务与案例 / Related service & case：账期与信用风险的配套合规指引见 Package H 出口信用保险与账期合规指引；已落地案例见 沙迦农业食品外商投资项目落地中国。
For the compliance side of deferred-payment terms, see Package H; for a client that landed successfully, see the Sharjah agri-food FDI project.