The Study Of Scheme Design For Establishing A Technology Insurance Company In Guangdong

At present,the technology industry is at rapid development,the number of technology companies increase sharply,the demand of technology insurance is growing in Guangdong province.However,the supply of technology insurance can not meet the needs of technology insurance.In the process of technology industrialization,technology insurance plays an important role in risk security,financing and improving credit,which can effectively promote the technology industrialization.Therefore,solving the problem of Guangdong technology insurance imbalance between supply and demand is very important for technology insurance and technology industry.In this context,this paper analyses the problems and reasons that have lain in structural imbalance between supply and demand in technology insurance of Guangdong province,the main reason comes down to technology insurance lacking of mid to long term goals,ignorance of real demand of technology companies,the imperfect subsidy mechanism,lacking of reinsurance services and insufficiency of government domination.The policy orientation of technology insurance determines that its development needs government intervention to innovate new technology insurance models.Based on this,the paper think that Guangdong province setting up professional technology insurance commercial operations leading by government can effectively solve the problem of structural imbalance between supply and demand in technology insurance.This paper designs the design goals and principles,organization and operation mechanism of technology insurance,and so on,while combining the situations of Guangdong province.And this paper put forward that the professional technology insurance companies should focus on the design of technology insurance products,working mode of technology insurance fund and building the province-wide technology enterprise risk database these three aspects to meet the demands of technology insurance for Guangdong province and to achieve the enterprises' sustainable management.Finally use SWOT,PEST,cost benefit and other analysis methods to conclude the feasibility of setting up professional technology insurance companies in Guangdong province.The research on the design scheme in this paper has great practical meaning.