近日，山西省太原市"惠商保"项目新建路改造工程受损个体工商户理赔款得以发放。首批64户符合条件 的商户喜获约71.85万元预赔付资金。这对受道路修缮改造影响的商户来说不仅是赔付金，更是定心 丸。惠商保是山西省于2023年9月在全国首创实施的个体工商户保险保障项目，由政府以财政出资形式 引入市场化商业保险机制，为个体工商户提供普惠性保险保障。 这一看似普通的政策落地，折射出城市发展理念的转变——重点工程推进与民生保障兼而有之，城市发 展速度与温度兼而有之。这种转变不仅增强了个体工商户抵御风险能力，还进一步提振了个体工商户经 营信心。 改造升级是城市发展的必然选择，但过往"大拆大建"的模式也会出现对微观经济主体忽视的情况。太原 新建路改造工程中引入惠商保机制，其创新价值首先体现在将商户的经营损失纳入政策考量范围。这种 前置性的制度设计打破了"先施工、后补救"的传统路径，用预赔付机制将民生保障从善后环节前移至事 中阶段。数据显示，该项目已覆盖1.64万户商户，累计赔付超1.06亿元，这些数字背后关系着成千上万 个家庭的生计。 从全国视野看，类似的城市更新项目每天都在发生。太原惠商保提供了一个可参考的治理样本——城市 ...

Group 1 - The core viewpoint emphasizes the importance of optimizing the business environment as a key task for economic development in Jinzhong City, focusing on creating a market-oriented, law-based, and international first-class business environment by 2025 [1] - Jinzhong City has made significant progress in optimizing the business environment, treating it as a top reform project, with integrated efforts from both city and county levels [1] - The "Efficient Completion of One Matter" initiative has revitalized government services, allowing for streamlined processing of multiple permits through a single submission, enhancing convenience and market vitality [1] Group 2 - The "Hui Shang Bao" project has been launched to provide insurance for individual businesses, addressing their vulnerability to risks and contributing to economic stability and job creation [2] - The Jinzhong City Judicial Bureau has introduced a comprehensive set of services to support enterprises, including free legal consultations and policy interpretation, to create a stable and transparent legal business environment [2] - The synergy between "private enterprise confidence" and "Jinzhong services" is expected to foster a thriving environment for private enterprises, contributing to high-quality economic development [3]