The Research On Pricing Of S&T Insurance

Science and technology achievements transformation of small and medium-sized enterprises to small and medium-sized enterprises,which will face the market for domestic and foreign,growing enhance their own competitiveness,ensure that China's economy is moderate growth,ease the employment pressure,promote technological innovation,improve national economic development and maintain social stability plays an important role.Therefore,it is the key factors to promote the social productivity for Small and medium-sized enterprises of science and technology achievements transformation,which will has been a steady growth.However,the scientific and technological achievements conversion rate is low in our country,the current scientific research achievements conversion rate of 60% for the main developed countries,In our country,however,industrial scientific and technological achievements conversion rate of 37%,agriculture is 40%,our country exists the gap with the developed country,rooted in the financing bottleneck of transformation of scientific and technological achievements in our country.To solve the problem of the financing for the transformation of scientific and technological achievements is the key to promoting the development of small and medium-sized enterprises and social progress.Based on loan guarantee insurance in the development of transformation of High-Tech-SMEs financing research as the main line,then analysis the funding sources and conditions of the transformation of High-Tech-SMEs,finding that the funding sources of transformation of High-Tech-SMEs,having 74.6% of the funds from the enterprise's own money,with only 21.1% of the money from the government,compared with the main western developed countries R&D funding sources can be found that the most of government funds accounted for more than 28%,thus it can be seen that the present leading stage of transformation of High-Tech-SMEs is enterprises,then the ability of finance is limited;The existing financing channels for transformation of High-Tech-SMEs have a threshold,and there are some conditionality;The transformation of High-Tech-SMEs can be drawn from the financing difficult phenomenon is outstanding,and has become the important reason for the development of transformation of High-Tech-SMEs In this paper,by introducing mechanism of loan guarantee insurance,which is aim to solve the funding problem of transformation of High-Tech-SMEs,this article mainly from small and mid-sized companies,Banks and insurance companies three Angle analysis to carry out the significance of small and medium-sized enterprise loan guarantee insurance.Then we have a result that the joined of loan guarantee insurance have great significance for bank,small and mid-sized companies and insurance.About small and medium-sized enterprise loan guarantee insurance pricing method research more focus on theory,operability is not strong.This article is based on the problem of loan data insufficient of our country's transformation of High-Tech-SMEs,through the questionnaire data to make up for a lack of data,and by using questionnaire of default frequency and default intensity data using the expected loss model to set rates,get a loan guarantee insurance rate,In order to compensate for the survey data of the possible existence of the intercepted withholding information,this paper uses fuzzy comprehensive evaluation method to get the risk adjustment factor of achievement transformation,in order To get the rates closer to the true rate.Finally,using the rate of this article compared with the rate of reality SME loan guarantee insurance rate,which is show that the Premium Rate is reasonable.This study has important significance,through the study of this article is helpful to promote transformation of scientific and technological achievements of our country enterprises solve the problem of financing difficulties,accelerate upgrading of industrial structure,is conducive to the rapid development of science and technology of small and medium-sized enterprises in our country,promote economic growth,promote small and mid-sized enterprise technology innovation,enhance enterprise competitiveness.