Research On The Mechanism Of Technology Insurance Promoting The Development Of High-tech Enterprises

Technology insurance can effectively transfer the risks of the technological innovation process,reducing the operating costs of high-tech enterprises,and stimulate the enthusiasm for independent innovation.Therefore,the Ministry of Science and Technology and other relevant departments have issued many policy documents on science and technology insurance to support the development of science and technology insurance business.The Outline of the National Medium-and Long-Term Scientific and Technological Development Plan(2006-2020)and the State Council's Several Opinions on the Reform and Development of the Insurance Industry pointed out that the role of finance in promoting technological innovation will be accelerated,the development of scientific and technological insurance will be accelerated,and risks for independent innovation will be provided Protection.Since the implementation of the innovation-driven development strategy in China,China has promoted sci-tech innovation activities in an all-round way,upholding the status of innovation in high-tech enterprises,and promoted the contribution of sci-tech innovation to the development of the national economy.According to this situation,this article takes science and technology insurance and high-tech enterprises as research objects,and explores the internal relationship between science and technology risks,science and technology insurance,and the growth of high-tech enterprises on the basis of combing relevant domestic and foreign literature on the development of science and technology insurance.Analyze the development status of China's science and technology insurance and high-tech technology.Explore how science and technology insurance can promote the development of high-tech enterprises.Based on this,by analyzing and researching three cases of Qingjia electronics enterprise outbreak case,Chancheng patent insurance pilot development,and Ningbo science and technology insurance pilot implementation,it summarizes and summarizes the experience of science and technology insurance development,and analyzes the advantages and disadvantages of science and technology insurance.Based on the actual situation of the development of science and technology insurance in China,the countermeasures and suggestions of science and technology insurance to promote the development of high-tech enterprises are put forward..