地方政府支持中小企业商业保险的经济学分析

An economic analysis on local government's support for the commercial insurance of small and medium-sized companies

本文针对当前中小企业参保率偏低、成本高,纯粹商业性保险难以支持中小企业发展的现状,深入分析了地方政府支持中小企业商业保险的必要性及其产生的经济效应,揭示了地方政府通过借助商业保险对中小企业进行扶持,可以对地方经济的发展产生巨大的推动作用。在此基础上,提出了地方政府介入中小企业商业保险的有效机制,即如何从供求两方面加强对中小企业保险的政策支持。

In relation to the reality of low insurance coverage rate of small and medium-sized companies, highcost, and the difficulty for pure commercial insurance policies to support the development of small and mediumsized companies, the article made an in-depth analysis on the necessity of local government＇s support on commer- cial insurance for small and medium-sized companies and the related economic leverage effects. It revealed that lo- cal government could play an important role on small and medium-sized companies＇ development and local economic development through the use of commercial insurance. On this basis, the article proposed an effective mechanism for local government to get involved in the small and medium-sized company commercial insurance, namely, how to strengthen both the supply and demand of insurance to support small and medium-sized companies.