军队商业保险是军民融合深度发展的拓展方向。本文分析了在军民融合的背景下进行军队商业保险创新,对维护军人权益,服务军队建设科学发展起重要作用;结合跟踪研究成果,本文介绍了国外几种不同模式的军人保险制度。在商业保险实践的基础上,通过军民融合创新,针对满足军队风险保障需求,提出了实现军队商业保险服务创新的建议。 The military commercial insurance is the expansion direction of the in-depth development of military and civilian integration. This article analyzes the military commercial insurance innovation under the background of military and civilian integration, which plays an important role in safeguarding the military rights and interests and serving the army’s scientific development. Combining with the tracking research results, this paper introduces several different models of military insurance system in foreign countries. On the basis of commercial insurance practice, through the integration of civil and military innovations, aimed at meeting the needs of the military risk protection, this paper puts forward some proposals to realize the innovation of military commercial insurance services.