我国保险服务于民营经济的研究

改革开放四十年来，我国民营经济得到了迅速的发展，同时也促进我国经济整体的发展，并取得了阶段性的成果，已成为我国社会主义市场经济中重要的组成部分。我国民营经济在高速发展的过程中暴露了许多问题，具体包括：我国大部分民营企业存在数量多但规模小的问题、缺乏自主核心技术、缺少高素质人才、融资困难等，这些问题掣肘着民营经济的转型升级和进一步发展。我国保险业作为金融领域中的三大支柱之一，在支持、帮助我国民营经济发展的过程中起到了重要的、不可替代的作用，但是保险业对于民营经济的服务作用仍然存在一些困难，有很大的提升空间，本文将对我国保险业如何能够更好的支持民营经济的发展作出研究。
本文将从我国民营经济的发展过程以及未来的发展趋势、我国保险业服务民营经济的有效途径以及困难和使保险业更好的服务于民营经济的对策这几个方面来进行分析。首先，我国民营经济的发展从改革开放以来经历了四个阶段，未来我国民营经济将趋向于转型升级。其次，本文将通过保险公司和民营企业这两个角度来分析目前保险业服务我国民营经济发展所遇到的问题和风险，保险业主要从为民营企业提供增新服务帮助其获得贷款、提供风险管理服务和经济补偿服务这几种方式来支持民营企业发展。最后，笔者从保险业自身、政府这两个角度提出建议和对策，其中保险业应当注重产品创新，提升服务标准，重视在民营企业中的展业工作；我国政府应出台相关政策，鼓励、引导保险业不断完善对民营企业的投融资服务，促使保险公司能够科学、规范的支持我国民营经济发展。
 

关键词：保险业；民营经济；发展研究
Abstract
Over the past 40 years of reform and opening up, China's private economy has developed rapidly, and at the same time, it has promoted the overall development of China's economy, and has achieved periodic results, which has become an important part of China's socialist market economy. Many problems have been exposed in the process of high-speed development of China's private economy, including the problems of large number but small scale, lack of independent core technology, lack of high-quality talents and financing difficulties, which hinder the transformation, upgrading and further development of China's private economy. As one of the three pillars in the financial field, China's insurance industry has played an important and irreplaceable role in supporting and helping the development of the private economy. However, there are still some difficulties in the service role of the insurance industry for the private economy and there is a lot of room for improvement. This paper considered how the insurance industry in China can better support the development of the private economy.
 This paper analyzed the development process and the future trend of private economy, the effective ways and difficulties of insurance industry serving private economy, and the countermeasures to make insurance industry better serving private economy. Firstly, the development of China's private economy has gone through four stages since the reform and opening up. In the future, China's private economy will tend to transform and upgrade. Secondly, this paper analyzed the problems and risks of insurance industry serving the development of private economy in China from the perspectives of insurance companies and private enterprises. Insurance mainly support the development of private enterprises by providing credit-increasing service for private enterprises to help them obtain loans, providing risk management service and compensation service. Finally, the author puts forward suggestions and countermeasures from the perspectives of insurance industry itself and government, in which insurance industry should pay attention to product innovation, improve service standards, and pay attention to the exhibition work in private enterprises; our government should introduce relevant policies to encourage and guide the insurance industry to continuously improve investment and financing service for private enterprises, so as to enable insurance companies to support scientific and normalized development of private economy.
 

Key words: insurance industry；private economy；development research

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