付款方式CREDIT INSURANCE or FACTORING有懂的福友吗？

we accept your offer but about payment terms my boss prefers to use CREDIT INSURANCE or FACTORING at the first business with a new partner. Then, in future, from the second order on, we he no problem in givig 30% advance but we he to know each other first. For this reason we prefer these 2 payment options because they represent a guarantee b广告een us and you are ensured in case of non-payment. Please take information at PICC (Chinese insurance company). If you can consider this term, I'll send you all our company documents do thy can check. 客户说付款方式必须通过平安银行保险的 CREDIT INSURANCE or FACTORING 来支付。 请问是怎样操作的？ 有风险吗？ 货值比较大，12W美刀的样子，L/C客户也不接受。 一始客户是要的，或者见到B/L正本才付款，谈到现在，说唯一接受的就是通过上述方式付款。。。好茫然，求高人指导。。。