Purpose : This study aims to analyze the factors of Korean exporters' use of short-term export insurance at a time when payment risks continue to increase and suggest ways to activate them. Research design, data, methodology : At a time when global economic uncertainty is increasing, the current status of short-term export insurance and major factors of use will be examined in order to reduce the risk of Korean exporters' export risks and the risk of not recovering export payments. For this, the questionnaire method was used, and the questionnaire was prepared and distributed to Korean exporters, forwarding companies, and trade experts. The total number of valid samples was 34, and AHP analysis was used for the analysis method. Results : As a result of the AHP analysis, the highest was the business environment factor (0.302), followed by the export risk factor (0.262), the payment factor (0.218), the trade insurance system factor (0.116), and the corporate performance factor (0.102). Conclusions : It is also very important to understand how much export risk is recognized and how much short-term export insurance is recognized, and it is very important to manage and control the credit risk of a company to reduce the risk of non-recovery of export proceeds. It is also important to acquire specific information on overseas markets, and active credit inquiries are required for customers.