The Research On The Professional Operation Of TP Science And Technology Insurance Company

In recent years,scientific and technological innovation has become the core competitiveness of all countries in the world.Great importance is attached to the development of scientific and technological industries globally.Therefore,all countries vigorously promote the development of high-tech industriesand strive to seize the commanding summit of a new round of scientific and technological revolution.With the rapid development of China's science and technology industry,science and technology innovation represented by high-speed train,cloud computing and mobile payment is emerging in an endless stream,and high-tech enterprises represented by Alibaba and Huawei is constantly emerging,bringing China's science and technology industry into a new realm of development and taking the lion's lead of the world innovation trend.At the same time,with increasing capital invested in science and technology industry,science and technology enterprises are facing more and more science and technology risks,which are characterized by diversity in kinds and high quota.Therefore,more urgent insurance are needed in all aspects of equipment research and development,such as business interruption,product testing,personnel safety,property protection,which are connected closely to financing guarantee,intellectual property rights,network security and so on.Simultaneously,series of new insurance demands have emerged,hence providing favourable external conditions for the development of science and technology insurance market.Since 2007,the state has stepped up the development of science and technology insurance.Governments at all levels have issued many preferential policies to actively support the development of science and technology insurance,hoping that it can protect science and technology enterprises.And many insurance institutions in China have tested the water in science and technology insurance market.Some places see substantial development and great progress in science and technology insurance market,such as Suzhou and Qingdao,fully characterized with local regional features.However,compared with the speed of the development of science and technology industry and the demand of science and technology risk guarantee,the development of science and technology insurance in China has trouble in accelerating the development and enlarging the relatively small scale,especially in breaking the bottleneck of insufficient supply in insurance products,insufficient underwriting capacity and drelated talents.Zhejiang Province has a developed private economyand a large number of small and medium-sized science and technology enterprises,so the willingness to developscience and technology insurance is very strong.In 2016,under the guidance of Zhejiang provincial Party committee and provincial government,TP science and technology insurance company began to prepare for construction.In 2018,TP science and technology insurance company was officially established and put into operation.It became the only one professional science and technology insurance company in China then,starting its hard exploration of professional operation of science and technology insurance in China.In the past two years since its establishment,TP science and technology insurance company has adhered to the unique orientation of developing science and technology insurance,actively explored business models,strengthened product service innovation,built sales teams and sales channels,actively introduced outstanding talents,vigorously exploited the science and technology insurance market,made positive progress in product innovation,market expansion and so on,hence providing the best protection for the development of local science and technology enterprises.However,there are still some problems,such as small business scale,weak business strength and serious losses,which make it difficult for further sustainable and healthy development.This research deeply analyzes the research on science and technology insurance at home and abroad and systematically elaborates the definition,characteristics,categories,principles,current situation,deficiencies,and improvement measures as well as studies of the development market of science and technology insurance in China.Also,it summarizes the characteristics of the current market,the main types of science,existing problems and the current picture of science and technology insurance in foreign countries.On this basis,in-depth investigation and interview are conducted on the background,development and existing problems of the establishment of TP technology insurance company in Zhejiang Province,and the development of the local technology industry in Zhejiang Province is also analyzed.The difficulties and existing problems faced by TP insurance company are analyzed in-depth,including the actual situation,the development orientation,development mode,product innovation as well as improvement of corporation governance.In addition,the paper also proposes some suggestions on the development of science and technology insurance and its market in China.