Research On The Development Of Science And Technology Insurance In Nanning

The role of Science and Technology Insurance has become increasingly important since the change of the mode of economic growth in China.After six years of nationwide promotion of Science and Technology Insurance,Nanning started the pilot work.How to accelerate the development of Science and Technology Insurance and promote the insurance industry to serve the science and technology industry has become the focus and thoughtful questions of all concerned.At present,Science and Technology Insurance has been carried out in Nanning for less than one year,and few scholars have studied the Science and Technology Insurance in Nanning.In order to provide the policy-making reference for the concerned aspect,the paper takes the Science and Technology Insurance in Nanning as the research object,explores the future development road of Science and Technology Insurance in Nanning,has strong practical significance,applicability and timeliness.The method of literature analysis,induction and deduction,and comparative analysis have adopted in the paper.Based on the analysis of the present situation of S&T Insurance in Nanning and the experience of S&T Insurance development at home and abroad,the paper puts forward some suggestions for speeding up the development of S&T Insurance in Nanning.The paper is organized as follows:the second chapter is the theoretical and practical research part of this paper.The theoretical research part is the basic theory of S&T Risk and S&T Insurance.In the part of practical research,the paper analyzes and expounds the categories of S&T Insurance corresponding to insurable S&T Risk,the mode of S&T Insurance,the progress and effect of national S&T Insurance work.The third chapter summarizes the necessary condition for developing S&T Insurance in Nanning,and combine with the case analysis,the basic situation of the experiment is clarified,and then the problems and challenges are put forward.The fourth chapter expounds the main contents of dispersing the risk of science and technology enterprise in two ways:the single insurance and the insurance combination.This chapter also shows the typical examples of insurance innovation,formulating subsidy policy and supporting facilities improvement in some cities of China,and finally summarizes the experience.The fifth chapter puts forward the suggestion of accelerating the development of S&T Insurance in Nanning from four aspects.The research shows that the city of Nanning in the pilot process,facing six problems or challenges,such as the legal system is not perfect,the difference between S&T Insurance in Nanning and traditional insurance is fuzzy,the wait-and-see attitude of science and technology enterprise,lacking management resources for S&T Insurance,the number of insurance institutions involved in the pilot is limited,information sharing mechanism and incentive mechanism have not been formed.In order to solve the above problems,efforts can be made from the following aspects:First,the choice of management mode of S&T Insurance should be changed with the increase of insurance rate.Second,the government should improve the subsidy and incentive system,build a platform for information and services for S&T insurance,establish an intermediary evaluation institution,and create a favorable legal environment.Third,insurance companies should actively carry out innovation in management,pay attention to the attraction and training of talents,and increase the risk-sharing subject to enhance underwriting ability.Insurance intermediaries should take advantage of their role function and respond to the pilot of science and technology insurance.Forth,science and technology enterprises should strengthen their own risk management and the interaction with insurance institutions.And improving the awareness and utilization of S&T Insurance,use insurance broker system to safeguard the rights and interests of consumers and reduce the cost of insurance.