财政干预、产品创新与高新技术企业科技保险参保意愿.pdfVIP

第5 期 (2016 年5 月) - 123 一 中国科技论坛 财政干预、产品创新与高新技术企业 科技保险参保意愿 吕文栋1 ，赵杨z (1.对外经济贸易大学国际商学院，北京 1(削29; ，2. 中央财经大学中国互联网经济研究院，北京 1【削81) 摘 要:本文基于浙江省657 家高新技术企业的问卷调查数据，对科技保险参保意愿的影响因素进行实证 检验。研究表明，财政补贴和产品创新对科技保险参保意愿具有显著影响，创新风险、外资控股与参保 意愿.iE.相关;企业成长性及第一大股东持股比例与科技保险参保意愿负相关。此外，企业规模对于参保 意愿的影响不显著。论文揭示了中小型高新技术企业的科技保险参保决策机制，同时也为继续实施科技 保险的财政千预政策、加速科技保险产品创新提供了必要的实证证据。 关键词:科技保险参保意愿;高新技术企业;财政干预;产品创新 中固分类号: F204 文献标识码:A Financial Intervention I Product Innovation and the Willingness to Purchase ST Insurance l L严1 Wendong , Zhao Y副g2 (1. Business Sch∞1 of Intemational Business and Economics , Beijing 1创lO29 ， China; 2. CCIE of Central University of Finance and Economics , Beijing 1创)()81 ， China) A恼缸act: Based on the survey data of 683 high-tech enterprises in Zhejiang Province t 由is paper makes an empirical test of 由e deter- minants of the willingness to purchase science and technology insurance.τbe research shows that the financial suhsidies and product in- novation are 也em曲t significant factors on the purchasing of 5T insurance. 四e innovation risk and 耻forei伊 investment are pωÌtively related to 由e willingn棚t and the size of 由e ente叩d田 is not significant. This paper reveals the decision-making mechanism of 5T in- surance in small and medium sized high -tech ent，町d脯， and provides neceωary evidence for the persistent financial intervention and product innovation. Key words: Willingness to purchωe 5T insurance; High-tech ent呻rises; Financial intervention; Product innovation 基金项目:国家社科基金重大