Research On The Development Of Science And Technology Insurance In Gansu

The development of science and technology has always been the focus of competition between the country,the development of high-tech enterprises plays an important role in the regional and economic prosperity of the country.In 2006,China proposed that the insurance company should provide more comprehensive risk protection for the scientific research and innovation of high-tech enterprises,and implement 15 kinds of insurance products jointly launched by the CIRC and the Ministry of science and technology in 12 cities.Subsequently issued about the establishment of the risk and benefits of the market incentive mechanism,science and technology insurance from the pilot to the national promotion,18 provinces and cities carried out related business.Gansu province belongs to the underdeveloped areas,the relatively poor science and technology environment,the low and high technology industrialization and the support of science and technology insurance.In fact,the development of science and technology insurance in Gansu province is slowly,the supply or demand or government support are obviously insufficient.The 15 insurance products determined by the pilot,most of the products have no market expansion in Gansu province.Therefore,from the perspective of risk management research on the rationality of science and technology risk and science and technology insurance,investigation of the supply and demand of the participation of science and technology insurance in Gansu province and the motivation of influencing its behavior,it has practical significance to promote the science and technology insurance of Gansu province and high-tech enterprises.The research content of this paper includes six parts: the first chapter explains the background,purpose and significance of the topic;The second chapter analyzes the nature of the risk of science and technology from the perspective of the source,and characteristics of science and technology risk,and summarizes the relevant theory of the operation mode of science and technology insurance;The third chapter analyzes the market situation of science and technology insurance supply and demand in Gansu province,and finds that in addition to environmental pollution liability insurance,the development of other science and technology insurance is limited The fourth chapter analyzes the behavior of Gansu provincial government,insurance companies,high-tech enterprises can see that there are many reasons for the development of science and technology insurance in Gansu province,and the participation of the main body is the watch and the negative attitude;The fifth chapter analyzes the operational mechanism,product design,government positioning and corporate behavior of science and technology insurance in developed insurance market The sixth chapter from the high-tech enterprises to improve the awareness of science and technology insurance,insurance companies to improve the service of science and technology insurance products,government department regulation system set up the policy recommendations to develop science and technology insurance in Gansu province,so as to strengthen the insurance in the field of risk transfer function,from the overall improvement of Gansu province science and technology economy to promote overall progress.