我国政策性科技保险的最优补贴规模研究.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符理学院，重庆400030:2.中国建设银行天津市分行，天津300203） 内容提要：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，认为科技保险的发展 应以政府支持为基础，实施政策性科技保险，并从科技保险的由场失灵现象以及财政补贴对 科技保险的效应两个方血为政策性科技保险的财政补贴提供理论依据。同时，本文选取北京、 重;庆、武汉三个试点地区分析了我国政策性科技保险的补贴模式，并运用机制设计理论建立 信息激励模型，假龙政府对科技金业实行均衡保费补贴，曲于道徳风险的存在，本文引入可 观测变最以扩人政策性科技保险市场的信息透明度，对保险公司经营科技保险提供激励约束 相容的财政补贴，从而确定政策性科技保险市场中的内生最优财政补贴规模。最后，基于上 述分析，在我国科技保险的财政补贴和激励机制方面提出了相关政策建议。 关键词：政策性科技保险；政府支持；最优补贴规模 Research on 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 Govern me nt 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 in sura nees subsidy mode in our country, and establishes information incentive model on the assumption （hat 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 fin ally proposes relevant policy recommendations about financial subsidy, and incentive mechanism for the development of technology insurance in our country. Key Words: policy-oriented insurance, govern me nl support; optimal subsidy scale 保险作为市场化的风险转移