管理层风险偏好、风险认知对科技保险购买意愿影响的实证研究.pdfVIP

中国软科学 2014 年第 7 期 管理层风险偏好、风险认知 对科技保险购买意愿影响的实证研究 吕文栋 (对外经济贸易大学 国际商学院，北京 1仪l(29) 摘 要:探讨了管理层风险偏好、风险认知及其交互效应对企业科技保险参保意愿的影响。基于浙江省 683 家 高新技术企业调查问卷的实证研究表明，管理层风险偏好和风险认知对企业风险管理决策具有重要影响: ( 1 ) 风险偏好型管理层购买科技保险的意愿更低;(2) 管理层风险认知水平越高，企业购买科技保险的意愿越强; (3) 管理层风险偏聋子和风险认知对创新风险与企业参保决策之间的关系分别具有负向和正向调节作用;(4) 管 理层风险偏好通过风险认知的中介作用，间接影响企业购买科技保险的意愿，支持了风险认知的中介效应假说。 关键词:高新技术企业;风险偏好;风险认知;科技保险;购买意愿 中图分类号:F204 文献标t只码:A 文章编号:1∞2 -9753(2014)07-∞128 - 11 Executive Risk Appeti钮，Risk Perception and the WilIingness to Purchase Science and Technology Insurance LV Wen-dong (Business Sc/w ol 0/ University o/lnterrmtio1Ul1 Business arul Ecorwmi口， Beijing 1∞029 ， China ) Abstract: This paper explores the relationship between executive risk appetite , risk perception and the willingness to purchase science and technology insurance( ST insurance) of high-tech enterprises. Based on survey data of 683 high- tech enterprises in Zhejiang province , the results indicate that: executive risk appetite will negatively affect the willingness to purchase ST insurance. While at the same time ,executive risk perception will hold a positive effect. Both executive risk appetite and executive risk perception can indirecùy affect the demand for ST insurance through risk taking. Besides ,executive risk perception partially mediates the relationship between executive risk appetite and the desire of ST insurance. Key words: high-tech enterprises; risk appetite; risk perception; demand for ST insurance 一、引言 技保险并没有引起高新技术企业的兴趣。在试点 为了鼓励和支持高新技术企业进行科技创 初年，仅有 11∞余家企业参保科技保险，占同期高