The insurance policies, signed on the behalf of the state according to the Export Insurance Law, are already to be considered risk free collaterals. The Board of Governors of the Bulgarian National Bank /BNB/ approved the amendments to Regulation No 9, which regulates the estimation of the bank’s risk expositions and the formation of provisions for covering the risk of losses. Bulgarian Export Insurance Agency claims that the innovations will alleviate the access of Bulgarian exporters to bank credits, necessary for financing the export or the production of goods for export.