保险是市场经济条件下风险管理的基本手段。近年来,在国家出台扶持小微企业发展的一系列政策措施的背景下,保险业充分发挥经济“助推器”和社会“稳定器”的功能作用,有效提升服务中小微企业的能力,并实现自身可持续发展。本文梳理保险业服务中小微企业发展的国际经验,总结其对我国保险业助力中小微企业发展的启示。 Insurance is the basic means of risk management in a market economy. In recent years, with the introduction of a series of policies and measures to support the development of small and micro enterprises in the country, the insurance industry has given full play to its functions as a “booster” and a “social stabilizer” to effectively enhance the service capability of small and medium-sized enterprises The ability to achieve their own sustainable development. This article combs the international experience in the development of small and medium-sized enterprises in the insurance industry and sums up their enlightenment for the development of small and medium-sized enterprises in our country.