중소·영세기업을 위한 프랑스 수출보험 제도에 관한 연구
A Study on the French Export Insurance System for Small and Medium-Sized Enterprises
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초록
글로벌화는 단순한 비즈니스 기회 그 이상을 의미하며 경쟁력의 원천이 되고 기업의 성장을 위한 촉매제 역할을 하기도 한다. 해외 시장 개척은 글로벌화의 핵심 요소로 그 첫 단계는 수출 시장을 탐색하는 것에서 시작된다. 하지만 이 과정에는 상당한 비용이 발생되며, 실제로 수행된 시장 탐색 활동이 수출액 증대에 기대만큼 부응하지 못할 수도 있다는 리스크가 존재한다. 특히 중소·영세기업은 해외 소비자를 찾는 어려움, 금융조달 문제 등으로 어려움을 겪고 있다. 프랑스 내 중소·영세기업은 전체 산업의 99%를 차지하는 중요한 경제기반으로 프랑스 정부는 수출 촉진과 기업의 글로벌화를 위해 Bpifrance를 통해 수출보험을 운영하고 있다. 본 연구는 프랑스의 중소기업을 위한 수출보험, 특히 글로벌화의 첫 단계를 위한 시장탐색 과정에서의 리스크를 완화해주는 보험의 특징에 초점을 두고 분석하고자 한다. 본 연구의 연구방법은 문헌연구 방법으로, 기존의 선행연구 검토와 국내·외 논문, 보고서, 간행물 등의 자료를 수집하여 검토하였다. 분석 결과 프랑스는 중소·중견기업을 위한 시장탐색보험에 더하여, 2021년부터 중소·영세기업만을 위한 특별한 보험을 신설하여 운영 중이다. 이는 글로벌화 첫 단계인 시장탐색 과정에서 사전에 보험금을 지급 받고, 수익을 창출하며 추후 상환하는 형태이다. 진출의 성공과 실패에 따라 상환비율을 차등 반영하고 있다. 기업은 시장탐색 과정에서의 금융조달 어려움을 극복하고 실패 시 발생 가능한 리스크를 보장받을 수 있다.
Abstract
Purpose : This paper examines the French export insurance system provided by Bpifrance, with a particular emphasis on prospecting insurance and prospecting support insurance, which are designed specifically for small and medium-sized enterprises(SMEs) in France. Research design, data, methodology : The paper employs a qualitative comparative analysis to examine the French export insurance system, based on existing research, both local and foreign, as well as reports, publications, and statistics. Results : Exploring foreign markets is an essential component of globalization, and the initial stage involves investigating export markets. Nevertheless, this procedure involves substantial expenses, and there is a possibility that the market investigation efforts carried out may not achieve the anticipated increase in exports. Specifically, small and medium-sized enterprises are facing challenges arising from a lack of international customers and issues related to securing financial resources. Medium-sized enterprises (SMEs) play a crucial role in the French economy, representing 99% of all industries. To facilitate exports and the globalization of companies, the French government provides export insurance policies through Bpifrance. Conclusions : Bpifrance has been offering prospecting insurance for small and medium sized enterprises and in 2021 they launched prospecting support insurance, a specialized insurance program designed specifically for very small sized enterprises and small and medium-sized enterprises. This is a method for collecting insurance benefits in advance, and subsequently repaying them after producing profits. The repayment rate varies based on the outcome of the advance, whether it is successful or unsuccessful. Companies may reduce financial obstacles during the market research stage and secure protection against potential consequences in case of failure.
참고문헌 (21)
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