营口市中小企业财产保险参保现状、问题及对策

The Present Situation, Problems and Countermeasures of the Property Insurance of Small and Medium-sized enterprises in Yingkou city

目前营口市中小企业财产保险参保率较低,企业管理者风险保障意识薄弱,中小企业经营中面临更多的不确定性风险。中小企业在参保财产保险中存在参保率低、扩散潜力大、存在多选现象、行业普遍不参保等问题,其原因主要包括中小企业缴费负担较重、财产保险缴费方式不合理、企业参加财产保险的监管、激励机制不健全等,并针对以上问题提出相关对策建议。

With Yingkou becoming a member of Liaoning Free Trade Experimental Zone,more and more small and medium enterprises（ SMEs） are constantly emerging in Yingkou City and have become the main economic pillar of Yingkou City. However,the proportion of SMEs possessing property and insurance coverage is worrying,SME managers risk protection awareness is very weak. Compared with other foreign-funded enterprises,SMEs face more risks of uncertainty in their business operations. Participating in commercial insurance can not only provide appropriate protection for corporate property,but also benefit the stable and harmonious development of the entire social and economic system. However,nowadays,many small and medium-sized enterprises shift the risk to themselves and integrate many unknown potential risks into their business operations. This will not only be detrimental to the sustainable operation of the enterprise in the future but also will not be conducive to the long-term steady development of the entire society. This article attempts to find out its existing problems by analyzing the insured situation of property insurance in SMEs in Yingkou and puts forward suggestions on how to improve the insurance rate of SMEs in Yingkou based on these problems.