Evaluation Of Effect In The First Batch Of Science And Technology Insurance Pilot Cities

To avoid the high-tech enterprises which meet in the innovative activities of scienceand technology of risk and insurance the resulting technology.It can be understood as,the enterprise technology innovation activities related to tangible or intangibleproperty, human resources, the economy of the third party shall bear the liability forcompensation and innovation results are expected to be insurance. When policyholder insurance contract agreed by the accident happened, he was lost, then theunderwriter according to the agreed payment of the insurance benefits.The types of insurance of our country science and technology in the early stages, itis less, so it is insufficient to the needs of the share, transfer of technology risk.Science and technology insurance not only has the traditional insurance riskdiversification and the basic function of risk compensation, but also has derivedsavings funds according to their own characteristics and risk supervision function.High-tech enterprise of science and technology in the operation of the insurance,insurance companies, government departments three main dominant, while theinvolvement of the third parties also plays an important role. From two aspects ofsupply and demand analysis, high and new technology enterprise with an insurancecompany restricted influence each other; Analysis from the aspects of security,government always play a back support strength.Based on existing data, this paper applies DEA model to the first pilot city scienceand technology insurance briefly measure implementation effect. Specific to the pilotcity in terms of insurance work of science and technology, the implementation of theresults of the main body first pilot cities technology for insurance companies, theinsurance amount insured, enterprises to participate in the total amount of pay ofinsurance premium of science and technology; Behavior are mainly on theimplementation of the first pilot cities government subsidies coverage of science andtechnology, government subsidies for a danger is planted rules ratio, the number ofscience and technology insurance accident claims, and paid the total amount after beor get out of danger. About performance indicators of measuring methods, the use ofevaluation results evaluation and behavior. Because of the pilot cities insuranceimplementation of science and technology is a complex process, can collect data isvery limited, so it can be seen as a grey system, by using DEA model to analyze its effect. DEA to measure the results show that Beijing, Wuhan, Chongqing, Suzhouhigh-tech zone are relatively good, the performance of science and technologyinsurance implementation of Tianjin and Shenzhen science and technology insuranceimplementation of relatively poor performance.Because of science and technology insurance is a combination of science andtechnology innovation and insurance services, determines the technical complexityand high risk characteristics. At the same time, because of science and technologyinsurance is still a new thing in China, is still in its infancy, there are still someproblems in the process of development. These problems lead to its supply anddemand is restrained. This show the disadvantages with the understanding of scienceand technology insurance science and technology enterprise insufficient effectivedemand for insurance, the insurance company for the supply of science andtechnology insurance lack of government support for science and technologyinsurance needs to be improved.For the first batch of pilot city science and technology insurance problems that existin the implementation process, in the process of further promotion of science andtechnology insurance in our country can take the following suggestions. First, startfrom the understanding level of strengthening science and technology insuranceresearch. Second, break the high-technology enterprise of prejudice, expand insuranceeffective demand of science and technology. Once again, the insurance companieshave to improve their ability of insurance claims, improve the science and technologyinsurance mode. Furthermore, the government should enhance the support of scienceand technology insurance. Finally, perfect supporting facilities play a role ofintermediary bridge.