Group 1 - The core idea of the article is the implementation of the "HuiShangBao" project in Taiyuan, Shanxi Province, which provides insurance compensation to individual businesses affected by road construction, reflecting a shift in urban development philosophy that balances infrastructure projects with public welfare [1][2] - The first batch of 64 eligible merchants received approximately 718,500 yuan in pre-compensation funds, highlighting the project's immediate financial support for those impacted by urban development [1] - The "HuiShangBao" project has covered 16,400 merchants and has cumulatively compensated over 106 million yuan, indicating its significant impact on the livelihoods of many families [1][2] Group 2 - The implementation of the "HuiShangBao" project serves as a supplement to administrative functions, internalizing the external costs of business losses due to road construction, which promotes a fairer commercial environment [2] - This innovative policy mechanism establishes a sustainable risk-sharing model rather than relying solely on fiscal subsidies, enhancing merchants' understanding and support for urban renovations [2] - The project exemplifies a governance model that balances efficiency and equity in urban development, suggesting that effective urban management requires translating humanistic care into institutional design [3]