小微企业风险保障及保险融资服务需求调查分析

The Investigation and Analysis on Risk Guarantee and Insurance Financing Service Demand of Micro and Small Enterprises

本文通过对陕西省小微企业保险服务和融资服务的问卷调查,发现小微企业面临的风险因素较多、保险意识普遍不强、保险费率较高是制约小微企业投保的重要因素。据此,本文提出加大保险知识宣传、加强政策支持、创新保险产品和服务等政策建议。

The paper makes questionnaire survey to insurance and financing services for micro and small enterprises of Shaanxi province, and finds that there exist a number of risk factors which micro and small enterprises are faced with, the insurance conscious-ness is weak, and higher insurance rates restrict micro and small enterprises to resort for insurance. Hereby, the paper puts forward pol-icy recommendations such as increasing insurance knowledge propaganda, strengthening the policy support, innovating insurance products and services etc.