Research On Legal Issues Of Science And Technology Insurance In My Country

Technology insurance is an insurance that protects enterprises from possible risks that take technology innovation as the core and has an important role in promoting technology innovation.From the perspective of development status,China's technology insurance coverage is currently low,and regional development varies greatly.Analyzing the status quo of its legal system,we found that the existing system and its implementation had some legal problems that seriously hindered the development of technology insurance.Combining with the current status of China's science and technology insurance legal system,through legal analysis,case studies and overseas comparative law inspections,some perfect suggestions are proposed for China's science and technology insurance legal system.Specifically,it attempts to propose a problem-oriented strategy from three aspects: the insurance model,insurance coverage,and exemption clauses.Science and technology insurance guarantees specific technology risks.Based on the difference between technology insurance and intellectual property insurance,technology venture investment insurance and other commercial insurance,technology insurance clarifies the legal nature of technology insurance.Technology insurance is intangible property insurance and policy insurance.The subject is quasi-legal.Science and technology insurance has encountered certain development obstacles at the national level,the legal status and implementation status of various provinces and cities.The insurance model that science and technology insurance urgently needs to face is still unclear,the insurance coverage lacks regulation,and the exemption clause needs to be improved.Then examine the relevant legal arrangements of countries with rich experience in science and technology insurance in the United States,Britain,Japan,Germany and other countries to give enlightenment to the legal issues facing China's science and technology insurance,and choose to use the appropriate insurance model,insurance coverage,and exemption clauses.Finally,combining the experience of extraterritorial law and China's national conditions,it is proposed that China's science and technology insurance insurance model should first adhere to the semi-commercial model,take advantage of the government's leadership,formulate unified national regulations as soon as possible,and combine the guidance role of industry self-regulation rules;technology insurance The scope of insurance should be clear from the general traditional corporate insurance,clearly define R & D risk as the core insurance coverage of technology insurance,and continue to improve the insurance coverage that covers technology risks;the exemption clause should combine the particularity of technology insurance and draw on advanced domestic and foreign experience,Reasonably set the deductible and waiting period,and put forward specific suggestions to improve the exemption.