保险参与小微企业融资的功能考察

An Investigation of Insurance's Involvement in the Financing of Small and Micro Enterprises

保险是解决小微企业"融资难"的有效途径。作为金融体系的重要组成部分,保险参与小微企业融资,体现了保险的基本功能。为此,有必要从创新保险产品、拓宽投资渠道、建设风险分担机制、完善信用体系和加强保险宣传教育等方面着手,增强保险参与小微企业融资的力度,促进保险功能的发挥。

Insurance is one of effective ways to solve financing difficulties of small and micro busi nesses. As an important part of the financial system, participating in small and micro businesses financing reflects the basic functions of insurance. Therefore, it is necessary to innovate in insurance products, widen investment channels, construct risk sharing mechanism, perfect the credit system and strengthen the education of insurance for improving participation degree and promoting the functions of insurance.