我国政策性科技保险与最优补贴规模研究.docVIP

我国政策性科技保险的最优补贴规模研究( 黄英君1 蔡永清2 （1.重庆大学 经济与工商管理学院，重庆 400030;2. 中国建设银行天津市分行，天津300203） 本文通过分析我国科技保险的发展现状及面临的主要问题，从科技保险的市场失灵现象以及财政补贴对科技保险的效应两个方面为政策性科技保险的财政补贴提供理论依据。n the Optimal Subsidy Scale of Policy-Oriented Technology Insurance in China HUANG Ying-jun1, CAI Yong-qing2 (1. School of Economics and Business Administration, Chongqing University, Chongqing 400030, China; 2. China Construction Bank Tianjin Branch, Tianjin 300203, China) Abstract: Through analyzing the present situation and main problems of technology insurance in China, this article indicates that China should implement policy-oriented technology insurance based on Government support, and provides theoretical support from market failure and the effect to financial subsidies in policy-oriented insurance market. Simultaneously, this article select Beijing, Chongqing, and Wuhan three areas to analyze technology insurance’s subsidy mode in our country, and establishes information incentive model on the assumption that government implements a balanced premium subsidy to technology enterprises. Because of moral hazard, the observable variables should be introduced to expand the information transparency in technology insurance market, and financial subsidy containing both incentives and constraints should be provided insurance companies, then the endogenous optimal financial subsidy scale can be determined in the policy-oriented technology insurance market. Based on the analysis above, it finally proposes relevant policy recommendations about financial subsidy, and incentive mechanism for the development of technology insurance in our country. Key Words: policy-oriented insurance, government support; optimal subsidy scale 保险作为市场化的风险转移机制、社会互助机制和社会管理机制，与具有高风险特征的技术创新活动具有内在的契合性和互补性，越是高风险的产业，越需要保险。高新技术企业高投入、高风险的特点，决定了它与保险有着密不可分的关系，科技保险正是基于此而提出的。科技保险运用保险作为分散风险的手段，由保险公司给予保险赔偿或给付保险金的保险保障方式，对高新技术企业的创新创业发挥分散风险、支持保障的作用。 科技保险在我国属新生事物，社会各界普遍对其认识不够国外保险发展至今并没有提出科技保险这一概念。在通过商业保险手段帮助企业转移技术创新活动风险方面，大都采用两种方式：一种方式是提供单独险种规避技术创新活动中特定的