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Alongside businesses to protect them against unpaid invoices

At Coface, our main mission is to insure businesses – from SMEs to multinationals - against unpaid invoices, which can undermine their activity. In this way, we have designed a range of credit insurance solutions covering 4 key requirements expressed by businesses for export: insuring their sales, financing their development, covering their risks on a case-by-case basis and evaluating markets.
 
This “made by Coface” protection is based on a powerful prevention system: our experts work around the globe to analyse the financial strength of businesses and anticipate payment arrears. Through this continuous review, we provide feedback on all or part of the customer portfolio, complementing and partnering with businesses. 
 
Our in-depth knowledge of buyers and the markets enables us to offer bespoke advice and services, in addition to taking action quickly when risks of unpaid invoices materialise. This responsiveness is possible thanks to the unique close ties established with our customers, backed by our presence in 66 countries.

Alongside businesses to protect them against unpaid invoices

News

French companies in 2019: Rise in insolvencies but higher margins will allow cushioning the impact of slowing global trade
11/27/2018

• After two years of improvement, insolvencies are on the rise and this trend should continue in 2019 (forecast of +0.8%)
• This uptrend mainly affects micro-enterprises with revenues of less than EUR 500,000
• The disappointing export performance of French companies is partly due to their choice to increase their margin rate
• This applies to most key export sectors: automotive, pharmaceuticals, aeronautics and agri-food
• But this recovery in margins would be an advantage to cushion the impact of slowing global trade in 2019

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SMEs in China: Monetary easing won’t be sufficient to reduce credit pressure
11/19/2018

When considering risk in the Chinese economy, a lot of the discussion has focused on large State-Owned Enterprises (SOEs) or large private conglomerates. However, headwinds impacting Small and Medium Enterprises (SMEs) should not be neglected. SMEs are scrambling to access financial resources to meet their working capital and long-term expansion needs, amidst a looming trade war with the United States and rapidly deteriorating financing conditions. Given their importance in the Chinese economy, it is likely that policymakers will take steps to prevent SMEs from becoming the weak link. Several measures could be helpful: prudent fiscal stimulus, a rational approach to regulating shadow banking, and a shift to more market-based interest rates so as to reward underwriting procedures that allocate adequate risk returns.

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