首批科技保險(xiǎn)試點(diǎn)城市實(shí)施成效評(píng)述,保險(xiǎn)碩士論文

首批科技保險(xiǎn)試點(diǎn)城市實(shí)施成效評(píng)述,保險(xiǎn)碩士論文本篇論文目錄導(dǎo)航：【第1部分】首批科技保險(xiǎn)試點(diǎn)城市施行成效評(píng)述【第2部分】【第3部分】【第4部分】【第5部分】【第6部分】【第7部分】摘要科技風(fēng)險(xiǎn)是指在科技研究和開發(fā)經(jīng)過中，由于不確定的外部環(huán)境、項(xiàng)目本身的復(fù)雜程度的不可測(cè)以及研究開發(fā)團(tuán)隊(duì)能力的局限性，進(jìn)而可能引起科技研究開發(fā)項(xiàng)目失敗、暫停、取消、延誤或沒有能實(shí)現(xiàn)預(yù)期目的的風(fēng)險(xiǎn)。存在于科研技術(shù)開發(fā)、技術(shù)成果交易產(chǎn)品批量生產(chǎn)以及市場(chǎng)推廣應(yīng)用四個(gè)階段。為了躲避高新技術(shù)企業(yè)在技術(shù)創(chuàng)新活動(dòng)中產(chǎn)生的科技風(fēng)險(xiǎn)帶來的損失，科技保險(xiǎn)應(yīng)運(yùn)而生。本文中從兩個(gè)角度給出國內(nèi)學(xué)者對(duì)其內(nèi)涵的分析，進(jìn)而引出筆者觀點(diǎn)，即科技保險(xiǎn)是利用保險(xiǎn)對(duì)高新技術(shù)企業(yè)在研制、量產(chǎn)、銷售、售后等經(jīng)過中，由于遭遇科技風(fēng)險(xiǎn)指定保險(xiǎn)公司對(duì)損失進(jìn)行賠償，進(jìn)而最大限度降低度高新技術(shù)企業(yè)損失程度的一類保險(xiǎn)，具備分散風(fēng)險(xiǎn)和補(bǔ)償損失的基本功能以及積蓄基金和監(jiān)督風(fēng)險(xiǎn)的派生功能。本文根據(jù)保監(jiān)會(huì)與科技部先后兩次公布的15項(xiàng)險(xiǎn)種特征將其分為高新技術(shù)企業(yè)研發(fā)成果類、高新技術(shù)企業(yè)經(jīng)營環(huán)境類、高新技術(shù)企業(yè)員工保障類和高新技術(shù)企業(yè)社會(huì)責(zé)任類四種業(yè)務(wù)類型，進(jìn)而深切進(jìn)入探尋求索科技保險(xiǎn)運(yùn)行原則、運(yùn)行形式以及運(yùn)行機(jī)制?？萍急ｋU(xiǎn)運(yùn)行中高新技術(shù)企業(yè)、保險(xiǎn)公司、部門三大主體始終占據(jù)主導(dǎo)地位，而第三方機(jī)構(gòu)的參與行為也發(fā)揮著舉足輕重的作用。從供需兩方面分析，高新技術(shù)企業(yè)與保險(xiǎn)公司相互制約影響；從保障方面分析，部門始終發(fā)揮著后臺(tái)支撐的氣力?；诂F(xiàn)有數(shù)據(jù)，本文利用DEA模型對(duì)首批科技保險(xiǎn)試點(diǎn)城市施行效果進(jìn)行扼要測(cè)算。對(duì)于施行效果評(píng)價(jià)指標(biāo)的選擇，施行的結(jié)果主要具體表現(xiàn)出為首批試點(diǎn)城市〔區(qū)〕科技保險(xiǎn)投保企業(yè)數(shù)、科技保險(xiǎn)投保金額、企業(yè)介入科技保險(xiǎn)繳納保費(fèi)總額；施行的行為主要表現(xiàn)為首批試點(diǎn)城市〔區(qū)〕財(cái)政補(bǔ)貼科技保險(xiǎn)總額、針對(duì)某一險(xiǎn)種規(guī)定的財(cái)政補(bǔ)貼最高比例、科技保險(xiǎn)出險(xiǎn)理賠數(shù)以及出險(xiǎn)后賠付金總額。關(guān)于績(jī)效指標(biāo)的測(cè)量方式方法，采用結(jié)果評(píng)定和行為評(píng)定。由于試點(diǎn)城市〔區(qū)〕科技保險(xiǎn)施行是一個(gè)復(fù)雜的經(jīng)過，能夠收集的數(shù)據(jù)信息非常有限，因而能夠?qū)⑵淇醋骰疑到y(tǒng)，運(yùn)用DEA模型對(duì)其施行效果進(jìn)行分析。DEA測(cè)算結(jié)果表示清楚北京、武漢、重慶、蘇州高新區(qū)的科技保險(xiǎn)施行績(jī)效相對(duì)較好，天津和深圳的科技保險(xiǎn)施行績(jī)效相對(duì)較差?？萍急ｋU(xiǎn)本身在我們國家剛剛處在起步階段，其本身所獨(dú)有的技術(shù)復(fù)雜性以及高風(fēng)險(xiǎn)性對(duì)其發(fā)展進(jìn)程產(chǎn)生一系列阻礙。首批科技保險(xiǎn)試點(diǎn)城市在施行經(jīng)過中難免由于經(jīng)歷體驗(yàn)缺乏或者各方面原因抑制其需求與供應(yīng)情況。詳細(xì)表現(xiàn)為對(duì)科技保險(xiǎn)的認(rèn)識(shí)存在缺乏；高新技術(shù)企業(yè)對(duì)保險(xiǎn)的有效需求缺乏；保險(xiǎn)公司對(duì)科技保險(xiǎn)的供應(yīng)缺乏以及對(duì)科技保險(xiǎn)扶持力度有待提高。針對(duì)首批科技保險(xiǎn)試點(diǎn)城市在施行經(jīng)過中存在的問題，我們國家在進(jìn)一步推廣科技保險(xiǎn)進(jìn)程中能夠采取下面政策建議：首先從認(rèn)識(shí)層面著手，加大科技保險(xiǎn)研究力度；其次打破高新技術(shù)企業(yè)偏見，擴(kuò)大科技保險(xiǎn)有效需求；再次，保險(xiǎn)公司要提高本身承保理賠能力，完善科技保險(xiǎn)形式；最后，要加大對(duì)科技保險(xiǎn)的扶持力度。本文關(guān)鍵詞語：科技風(fēng)險(xiǎn)；科技保險(xiǎn)；承保理賠；試點(diǎn)城市；施行效果AbstractToavoidthehigh-techenterpriseswhichmeetintheinnovativeactivitiesofscienceandtechnologyofriskandinsurancetheresultingtechnology.Itcanbeunderstoodas,theenterprisetechnologyinnovationactivitiesrelatedtotangibleorintangibleproperty,humanresources,theeconomyofthethirdpartyshallbeartheliabilityforcompensationandinnovationresultsareexpectedtobeinsurance.Whenpolicyholderinsurancecontractagreedbytheaccidenthappened,hewaslost,thentheunderwriteraccordingtotheagreedpaymentoftheinsurancebenefits.Thetypesofinsuranceofourcountryscienceandtechnologyintheearlystages,itisless,soitisinsufficienttotheneedsoftheshare,transferoftechnologyrisk.Scienceandtechnologyinsurancenotonlyhasthetraditionalinsuranceriskdiversificationandthebasicfunctionofriskcompensation,butalsohasderivedsavingsfundsaccordingtotheirowncharacteristicsandrisksupervisionfunction.High-techenterpriseofscienceandtechnologyintheoperationoftheinsurance,insurancecompanies,governmentdepartmentsthreemaindominant,whiletheinvolvementofthethirdpartiesalsoplaysanimportantrole.Fromtwoaspectsofsupplyanddemandanalysis,highandnewtechnologyenterprisewithaninsurancecompanyrestrictedinfluenceeachother;Analysisfromtheaspectsofsecurity,governmentalwaysplayabacksupportstrength.Basedonexistingdata,thispaperappliesDEAmodeltothefirstpilotcityscienceandtechnologyinsurancebrieflymeasureimplementationeffect.Specifictothepilotcityintermsofinsuranceworkofscienceandtechnology,theimplementationoftheresultsofthemainbodyfirstpilotcitiestechnologyforinsurancecompanies,theinsuranceamountinsured,enterprisestoparticipateinthetotalamountofpayofinsurancepremiumofscienceandtechnology;Behavioraremainlyontheimplementationofthefirstpilotcitiesgovernmentsubsidiescoverageofscienceandtechnology,governmentsubsidiesforadangerisplantedrulesratio,thenumberofscienceandtechnologyinsuranceaccidentclaims,andpaidthetotalamountafterbeorgetoutofdanger.Aboutperformanceindicatorsofmeasuringmethods,theuseofevaluationresultsevaluationandbehavior.Becauseofthepilotcitiesinsuranceimplementationofscienceandtechnologyisacomplexprocess,cancollectdataisverylimited,soitcanbeseenasagreysystem,byusingDEAmodeltoanalyzeitseffect.DEAtomeasuretheresultsshowthatBeijing,Wuhan,Chongqing,Suzhouhigh-techzonearerelativelygood,theperformanceofscienceandtechnologyinsuranceimplementationofTianjinandShenzhenscienceandtechnologyinsuranceimplementationofrelativelypoorperformance.Becauseofscienceandtechnologyinsuranceisacombinationofscienceandtechnologyinnovationandinsuranceservices,determinesthetechnicalcomplexityandhighriskcharacteristics.Atthesametime,becauseofscienceandtechnologyinsuranceisstillanewthinginChina,isstillinitsinfancy,therearestillsomeproblemsintheprocessofdevelopment.Theseproblemsleadtoitssupplyanddemandisrestrained.Thisshowthedisadvantageswiththeunderstandingofscienceandtechnologyinsurancescienceandtechnologyenterpriseinsufficienteffectivedemandforinsurance,theinsurancecompanyforthesupplyofscienceandtechnologyinsurancelackofgovernmentsupportforscienceandtechnologyinsuranceneedstobeimproved.Forthefirstbatchofpilotcityscienceandtechnologyinsuranceproblemsthatexistintheimplementationprocess,intheprocessoffurtherpromotionofscienceandtechnologyinsuranceinourcountrycantakethefollowingsuggestions.First,startfromtheunderstandinglevelofstrengtheningscienceandtechnologyinsuranceresearch.Second,breakthehigh-technologyenterpriseofprejudice,expandinsuranceeffectivedemandofscienceandtechnology.Onceagain,theinsurancecompanieshavetoimprovetheirabilityofinsuranceclaims,improvethescienceandtechnologyinsurancemode.Furthermore,thegovernmentshouldenhancethesupportofscienceandtechnologyinsurance.Finally,perfectsupportingfacilitiesplayaroleofintermediarybridge.Keywords:Scienceandtechnologyrisk;Scienceandtechnologyinsurance;Insuranceclaims;Pilotcities;effect目錄0引言0.1研究背景與研究目的0.2國內(nèi)外研究現(xiàn)在狀況與發(fā)展動(dòng)態(tài)0.2.1國外研究現(xiàn)在狀況與發(fā)展動(dòng)態(tài)0.2.2國內(nèi)研究現(xiàn)在狀況與發(fā)展動(dòng)態(tài)0.2.3國內(nèi)外研究述評(píng)0.3論文的主要研究?jī)?nèi)容與研究方式方法0.3.1論文的主要研究?jī)?nèi)容0.3.2論文的研究方式方法0.4論文的創(chuàng)新之處與研究缺乏1科技風(fēng)險(xiǎn)與科技保險(xiǎn)的一般理論1.1科技風(fēng)險(xiǎn)與科技保險(xiǎn)的基本內(nèi)涵1.1.1科技風(fēng)險(xiǎn)的內(nèi)涵與特征1.1.2科技保險(xiǎn)的基本內(nèi)涵與提出根據(jù)1.2科技保險(xiǎn)功能與業(yè)務(wù)類型1.2.1科技保險(xiǎn)的功能1.2.2科技保險(xiǎn)的業(yè)務(wù)類型1.2.3科技保險(xiǎn)的運(yùn)行原則1.2.4科技保險(xiǎn)躲避科技風(fēng)險(xiǎn)的運(yùn)行形式1.3科技保險(xiǎn)運(yùn)行中各主體的行為分析1.3.1高新技術(shù)企業(yè)需求行為1.3.2保險(xiǎn)公司供應(yīng)行為1.3.3部門保障行為1.3.4第三方機(jī)構(gòu)參與行為2我們國家首批科技保險(xiǎn)試點(diǎn)城市相關(guān)工作開展情況2