Research On Insurance Kind Innovation Of Science And Technology Insurance

Accelerately promoting independent innovation is the inevitable requirement of carrying out the scientific development view,constructing socialism harmonious society.As the significant guarantee of independent innovation,science and technology insurance play a vital role in improving the efficiency of the national independent innovation and enhancing China's scientific and technological strength. The introduction of science and technology insurance is a pioneering work which practices the national independent innovation strategy and supports and guarantees enterprise innovation behavior, and also an important measure which implements scientific development view and promotes the combination of technology and financial.Since the release of "Mid and Long-term Plan for National Science and Technology Development(2006-2020)" (Guofa [2005] No.44) and "Opinions of the State Council on Reform and Development of the Insurance Industry" (Guofa [2006] No.23), science and technology insurance have gottten wide attention of government and scholars. After two years of promotion and development, science and technology insurance obtained some achievements under the country's heavy subsidy,but some problems are more and more obvious,such as consciousness insufficiency of enterprise insurance, traditional insurance kind design, meeting enterprise's needs with difficulty. To solve these problems, in addition to continue promoting and implementing preferential policies,it is more important to design some science and technology insurance kinds which are attractive to enterprise,can ensure the enterprise technological innovation and have remarkable technology characteristic.The research object of this thesis is insurance kind innovation of science and technology insurance.Firstly,with normative analysis method,it concludes technology insurance related theory. From science and technology risk theory,this thesis introduces technology insurance theory.It expounds the connotation, function and characteristics of science and technology insurance,and meanwhile, researches, analyzes and summarizes the science and technology insurance principle.Secondly, through market research material,it analyzes the current situation of science and technology insurance market demand, summarizes new market demand,and then with the basic theory releases the insurance kind innovation principles by comparative analytic approach.Under the principles,it designs overall plan of insurance kind innovation,and then conceives three new insurance kinds according to the creative design scheme.Based on the principle, overall plan and new insurance kind idea,this thesis conduct a comprehensive technical design for the three new insurance kinds from actuary and insurance contract.Besides, according to the characteristics of new insurance,it analyzes the microscopic operation of government, technology companies and technology insurance company,proposes tactics suggestion. Finally,take Apuanlite Optoelectronics Technology Company and PICC(People's Insurance Company of China) as examples,this thesis do an empirical analyse for insurance kind innovation of science and technology insurance.Based on actuarial theory, this thesis applies the normative analysis,comprehensive analysis and game theory,puts forward three principles of science and technology insurance and insurance kind innovation principle,designs the overall plan and three new insurance kinds including professional liability insurance of R&D and technical personnel, precatory research and development guarantee insurance, technology transfer quality guarantee insurance. At the same time,it constructs trilateral game model and analyzes the subject behavior in the new insurance operation process.