浅谈商业保险服务民营中小微实体企业发展的对策建议

目前情况下,我国商业保险对于民营中小微实体企业的服务,从广度来看,有待于扩面;从深度来看,保险产品不能覆盖实体中小微企业的更多风险。因此,导致保险支持中小微实体企业不够到位。究其原因,从表面上看是保险服务问题,从实质上看是保险供给问题,包括制度供给、产品供给、服务供给。保险服务民营中小微实体企业,解决好中小微企业发展中面临的问题要从保险制度、保险产品、保险价格、保险资金等多方面综合施策,全面发力。

At present,China's commercial insurance service for small and medium-sized private entities needs to be expanded from the perspective of breadth,and from the depth of view,insurance products can not cover more risks of small and medium-sized enterprises.As a result,insurance support for micro,small and medium-sized entities is not in place.The reason that leads to the lack of insurance support for medium,small and micro enterprises is the problem of insurance service on the surface and the problem of insurance supply in essence,including system supply,product supply and service supply.To solve the problems in the development of medium,small and micro enterprises,it is necessary to take comprehensive measures from the aspects of Insurance system,insurance products,insurance prices and insurance funds.