推进地方科技保险发展问题研究——以湖南省为主要研究视角.pdfVIP

第 28 卷第2 期 VoL 28 No.2 保险职业学院学报{双月刊) 2014 年4 月 JOURNAL OF INSURANCE PROFESSIONAL COLLEGE( Bimonthly) Apr. 2014 推进地方科技保险发展问题研究 一一以湖南省为主要研究视角 王锦霞，寻街 (保险职业学院，湖南长沙410114 ) [摘 要] 大多数中小型企业在开展科技创新活动时往往由于自身融资能力和风险管控能力的薄弱，很难顺利开展 科技-0)-活动，而科技保险对创新过程中可能出现的风险可以发挥保障作用。科技保险作为一种政策性保险，得到了政府 的大力支持，也取得了一定的成效。然而，由于多方面的原因，地方科技保险业务的发展并没有取得预期效果。为此，提出 如下对策建议:组建专门的政策性科技保险公司;搭建公共信息和业务操作两个平台;树立风险、创新和法律三种意识:建 立协同创新、激励与约束、停价与考核及人才培养四种机制。 [关键词] 科拔创新;科技保险;政策 [中圄分类号]四40.69 [文章编号) 1673 -1360t 2014}但-仪即 -03 [文献标识码]A [Abs仕act] Due ωthe limited financing capaci句 and weak risk rnanagement , it is usually diffi.cult for most of the small and medium enterprises to car巧 out their scientific innovation. While scientific insurance ，由 a -type of policy insurance , is attracting more attention of the govemment and has already made some progr四smωme places. It can play an efficient role in protecting the scientific enterprises from various risks. However , scientific insurance business has not yet come up to 也e expectation of either the insurance companies or 也e scientific com- pru世es. 币lis article , aiming at the possible causes , propo回s four suggestions to promote the scientific insuraIlce as follows: first , to fonn a policy insuraIlce company specializing on scien凶c Ïnsurance business; secondly , to set up two plaúorms of public information and business opera岳阳 to 盹rve 由e scien凶c insurance; 由irdly ， to es- tablish 也ree awarenes酬。f risks , innovation and law; and lastly , to construct fo町 mechanisms ， i. e. coll曲ora­ tion and innovation , incentive and constraint , assessment and audit , talents 位aining. [Key wordsJ Scientific innovation; Scientific insurance; Policy