● 本报记者 陈露 在宁波，出口信用保险帮助小微企业解决"有单不敢接"问题；在深圳，"保险+服务"模式为科创企业提 供知识产权风险解决方案；在北京，险资投资的科创基金为科创企业提供资金支持……近年来，保险业 从负债、投资两端双向发力，持续拓宽金融服务覆盖面，满足民营企业多元化的风险保障需求和资金需 求，在民营经济发展过程中发挥了重要作用。 专家认为，支持民营经济发展，既是推动经济社会高质量发展的必然要求，也是保险业自身发展的内在 需求。保险业要持续推动产品服务创新，应针对民营经济的特点，提供更具针对性的保险和风险管理方 案。 丰富产品体系 保险业积极创新保险产品，挖掘民营企业及员工的保险保障需求，提供差异化产品服务。比如，中国人 寿推出面向中小微企业客户的定制化产品"员福保"意外险组合产品等，为企业员工提供风险保障；大地 保险的"汽修保""装修保""舌尖保"等专属保险产品，满足汽车维修行业、装修类小微企业、餐饮小微企 业的特定保险需求；人保财险的出口特定合同信用保险、物流服务出口信用保险、小微企业出口信用保 险等产品，为外贸企业保驾护航。 比如，国寿财险表示，公司成立近70个科技保险支公司及专营团队，着力发展 ...

Group 1 - The core viewpoint of the articles emphasizes the importance of small and micro enterprises in the economy and the need for enhanced financial services to support their stability and growth [1] - The China Pacific Insurance Company is actively responding to market demands by innovating and expanding its financial services for small and micro enterprises, aiming to improve service quality and effectiveness [1][2] - The company has successfully served nearly 120,000 small and micro enterprises, providing tailored insurance solutions to address their specific risks and challenges [2] Group 2 - The company has developed specialized insurance products such as "Auto Repair Insurance," "Renovation Insurance," "Catering Insurance," and "Comprehensive Business Insurance" to meet the diverse needs of small and micro enterprises [2] - The company is focusing on small-scale businesses, particularly in high-risk areas like street-side dining and small manufacturing units, by implementing smart fire safety monitoring systems [3] - Collaborating with Amazon, the company has launched a commercial liability insurance platform to cater to the evolving needs of small and micro enterprises in the digital economy [3]

Core Viewpoint - The insurance industry plays a crucial role in supporting the development of the private economy in China by providing tailored risk management solutions and financial support to meet diverse needs [1][2][3]. Group 1: Insurance Product Innovation - The insurance industry is actively innovating products to meet the specific insurance needs of private enterprises and their employees, such as customized accident insurance for small and micro enterprises [2]. - Various specialized insurance products have been developed to cater to different sectors, including auto repair, renovation, and catering, addressing the unique risks faced by these industries [2]. - The insurance sector is expanding its product offerings to include export credit insurance and logistics service insurance, thereby supporting foreign trade enterprises [2]. Group 2: Comprehensive Support for Private Economy - The insurance industry provides comprehensive support to the private economy by offering risk protection, innovative insurance products, and financing enhancement services [3]. - Insurance companies are establishing a risk protection system that covers the entire lifecycle of technology innovation enterprises, addressing the complex risks associated with technological advancements [3][4]. - The industry is focusing on developing insurance products for emerging fields such as intelligent connected vehicles, robotics, and digital economy, indicating a strong growth potential for technology insurance [4]. Group 3: Financial Support and Collaboration - Insurance funds are characterized by long terms and large scales, providing stable financial support to private enterprises through equity and bond investments [4][5]. - Collaborative models between insurance companies, government, and banks are being established to facilitate resource allocation towards private enterprises, including risk compensation funds and interest rate subsidies [6]. - In the first four months of the year, the banking and insurance sectors provided approximately 17 trillion yuan in new financing to the real economy, highlighting the significant financial contributions of these industries [6].