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UNDP × Generali:2025南亚与东南亚中小微企业韧性建设报告:价值链视角(英文版)(79页).pdf

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1、Building MSME Resilience in South and Southeast Asia:A value chain approachUnited Nations Development ProgrammeIn partnership withUnited Nations Development Programme(UNDP)UNDP is the leading United Nations organization fighting to end the injustice of poverty,inequality and climate change.Working w

2、ith our broad network of experts and partners in 170 countries,we help nations build integrated,lasting solutions for people and the planet.Learn more at:undp.orgUNDPs Sustainable Finance HubThe UNDP Sustainable Finance Hub brings together UNDPs financial expertise to harness public and private capi

3、tal for the Sustainable Development Goals(SDGs)supporting governments,investors and businesses in reaching climate,social impact and sustainability targets.Its work drives systemic change towards a sustainable financial architecture that benefits people and the planet.Find out more about its integra

4、ted services that ensure all finance is sustainable at sdgfinance.undp.org or follow UNDP_SDGFinanceUNDPs Insurance&Risk Finance FacilityUNDPs Insurance and Risk Finance Facility is charting new pathways to build resilience,incentivize growth and safeguard development.Housed within UNDPs Sustainable

5、 Finance Hub,the Facility is using insurance and risk transfer to increase the financial resilience of countries,communities,households,small businesses,farmers and nature.The Generali GroupGenerali is one of the largest integrated insurance and asset management groups worldwide.Established in 1831,

6、it is present in over 50 countries in the world,with a total premium income of 95.2 billion and 863 billion AUM in 2024.With around 87,000 employees serving 71 million customers,the Group has a leading position in Europe and a growing presence in Asia and Latin America.At the heart of Generalis stra

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1. **MSME经济地位**:南亚和东南亚MSMEs占企业总数94-99.9%,印度有7340万家,贡献30% GDP、44%出口和60%就业。 2. **风险暴露**:面临气候灾害(如南亚7500万人受影响)、金融脆弱(70%印度微企业流动资本不足1个月)、健康冲击及政治经济波动(如斯里兰卡10万家MSME因危机倒闭)。 3. **保险缺口**:MSMEs保险覆盖率极低,印度仅5-15%,东南亚90%微企业无保险,产品与需求脱节。 4. **性别差异**:南亚女性主导企业仅占9.6%,东南亚微企业中女性占比约50%,但多集中于低生产力部门(零售、农业),面临融资难、资产所有权不足等障碍。 5. **解决方案**:建议通过价值链细分(如印度水稻、汽车、零售业)、捆绑风险转移与缓解措施(如智能仓储+保险)、利用数字平台聚合MSMEs,并推动性别敏感政策。
MSME韧性如何构建? 女性创业有何机遇? 保险缺口如何填补?
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