保险学-供给侧改革视角下科技保险的困境及其化解论文

供给侧改革视角下科技保险的困境及其化解【摘要】创新是引领发展的第一动力。科技保险作为规避风险的金融手段，在科技企业研发过程中起着重要作用。然而科技保险试点 14 年来，一直面临着供需双冷的困境。为了解决科技保险在发展进程中遇到的阻碍，进一步开发国内科技保险的市场潜力，通过文献研究法、案例分析法，并结合相关的数据资料探讨解决措施。通过研究我国科技保险的险种发展以及目前的市场状况，探讨科技保险供给与需求结构不适应、不协调的难题。在保险业推进供给侧结构化改革的背景下，提出在政府层面上应当加大工作力度，加强对险种及其支持政策的宣传、加大财政支持力度、完善市场制度，在保险行业角度上应当致力创新科技保险产品、精准定价、建立信息公开交流平台并培养专业化人才等建议。【关键词】科技保险；供给侧改革；困境The Dilemma of Science and Technology Insurance from the Perspective of Supply-side Reform and Its Resolution[Abstract] Innovation is the first driving force for development. As a financial means to avoid risks, technology insurance plays an important role in the R & D process of technology companies. However, the science and technology insurance pilot has been facing the dilemma of both supply and demand for 14 years. In order to solve the obstacles encountered in the development process of technology insurance, and further develop the domestic market potential of technology insurance, through literature research methods, case analysis methods, combined with relevant data to discuss solutions. By studying the development of China's science and technology insurance and the current market situation, the problems of uncoordinated and inadequate supply and demand structure of technology insurance are discussed. Against the background of the supply-side structural reform of the insurance industry, it is proposed that the government should increase its work, strengthen the promotion of insurance types and supporting policies, i...