科技保险险种创新方案与构想.pdfVIP

科技管用研究 2011 No.19 2011 年第 19 期 Seience and Technology Management ReRearch doi: 10. 3969/j. issn. I ∞0-7695.201 1. 19.026 科技保险险种创新方案与构想 赵漠，谢科范 (武汉理工大学管理学院，湖北武汉 430070) 摘要:随着我国科技保险的发展，市场对于科技保险新险种的需求逐渐凸显，为了适应科技保险的新需求，以 现，有的险种创新方法为基础，针对科技保险的险种创新设计了具体的方案。在创新方案的指导下，针对研发技 术人员职业风险极高的现状，提出了设计研发技术人员职止责任保险的构想，并在现有保险费率厘定方法的基 础上构建了该种新险种的费率模型，最后以人保财险和某 D 公司为调研对象，收集具体数据，利用先验理论分 布对研发技术人员职业责任保险费率屋定模型进行模拟实证分析。 关键词:科技保险;险种创新;方案;费率厘定 中图分类号: F840.32 文献标识码:A 文章编号: 1 ∞0-7695 (2011) 19-0104-06 Innovation Program and Conception of Science and Technology Insurance Kind ZHAO Shi , XIE Kefan (School of Management , Wuhan Univ.er百ity of Techno!ogy , Wuhan 43∞70 ， China) 件 Abstract: A!ong with the development of science and teehno!ogy insurance , demands for new science and technology in- surance kinds are becoming sharper and sharper. To meet the new demandR of science and techno!ogy immrance , on the basis of current ìnsurance kind innovative approach , this paper designs a specifie program of science and techno!ogy insur- ance innovation. Under the direction of innovatìon program , according to the current situation of high professional risks for teehnology researchers , the 阳pape衍r proposes the cωonce叩Pμtio佣n of 严p1ro币ofe回ss剖io佣nal Iiability insurance for 优t凹c~c叶呻~.巾dhnolog即y 陀res盹ea缸f由ers. Based on the cu山JlπTen川l此t premium ratemaking method , it builds a new insurance kind rate mode l. Final!y , the paper takes PICC Property and Casualty and D eompany as research objects , collects data , and makes an empirical analysìs on premiu