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目前,中国利用保险来解决中小企业融资难的问题仍在模糊的探索过程中,本文将进一步明确保险这一风险分散工具介入解决中小企业融资难的作用和机理,提出四种运作模式。在研究过程将国外的有益经验与现行模式相结合,依据中国各地区的实际和特殊情况,提出保险在解决中小企业融资时投保比例、费率厘定、免赔额等方面的具体运作细则,探求适合中国的风险转移机制。
At present, China is still vaguely exploring how to use insurance to solve the financing difficulties of small and medium-sized enterprises. This article will further clarify the role and mechanism of insurance, a risk diversification tool, in solving the financing difficulties of small and medium-sized enterprises and propose four modes of operation. In the process of research, combining the useful experience of foreign countries with the current model, according to the actual conditions and special circumstances of various regions in China, this paper puts forward the detailed operation rules of insurers in the aspects of insurance proportion, rate determination and deductible when financing SMEs Suitable for China’s risk transfer mechanism.