How can credit insurance help export companies avoid the risk of exchange rate adjustment?

Export enterprises can use credit insurance to obtain dollar loans from banks. After the foreign exchange is collected, it is only necessary to return the bank loan in US dollars, which is not affected by the appreciation of the RMB, thereby avoiding the risk of exchange rate adjustment.
Normally, it takes two to three months for export enterprises to ship and collect foreign exchange. Foreign exchange is likely to become worthless due to exchange rate changes.\"; With credit guarantee financing, export companies can obtain US dollar loans in advance, and convert to RMB held or used, so as to effectively avoid the risk of RMB appreciation.