经济与管理评论
經濟與管理評論
경제여관리평론
Shandong Economy
2015年
1期
89-97
,共9页
高新技术企业%科技保险%保险需求%科技风险
高新技術企業%科技保險%保險需求%科技風險
고신기술기업%과기보험%보험수구%과기풍험
the high-tech Industries%S&T Insurance%insurance demand%the scientific and technological risk
通过调查问卷以山东省257家高新技术企业为样本实证分析，对影响高新技术产业科技保险需求的各种因素进行了系统研究。通过实证分析发现，对科技风险、科技保险的认知程度、管理者受教育水平、保费补贴水平、保单保障水平、理赔满意度等定类指标与科技保险需求正相关。风险指标中的人均技术装备值、新产品研发成功率、企业资信度、顾客美誉度、新产品销售比率、市场占有率等六项指标与科技保险需求负相关，社会公众投诉率与科技保险需求正相关。经济类指标中的人均资产额、人均利润额两项指标与科技保险需求正相关，环境类指标中的产业平均利润率、R＆D人员占比两项指标与科技保险需求正相关。根据分析结论，从影响高新技术企业购买科技保险需求角度提出相应政策建议。
通過調查問捲以山東省257傢高新技術企業為樣本實證分析，對影響高新技術產業科技保險需求的各種因素進行瞭繫統研究。通過實證分析髮現，對科技風險、科技保險的認知程度、管理者受教育水平、保費補貼水平、保單保障水平、理賠滿意度等定類指標與科技保險需求正相關。風險指標中的人均技術裝備值、新產品研髮成功率、企業資信度、顧客美譽度、新產品銷售比率、市場佔有率等六項指標與科技保險需求負相關，社會公衆投訴率與科技保險需求正相關。經濟類指標中的人均資產額、人均利潤額兩項指標與科技保險需求正相關，環境類指標中的產業平均利潤率、R＆D人員佔比兩項指標與科技保險需求正相關。根據分析結論，從影響高新技術企業購買科技保險需求角度提齣相應政策建議。
통과조사문권이산동성257가고신기술기업위양본실증분석，대영향고신기술산업과기보험수구적각충인소진행료계통연구。통과실증분석발현，대과기풍험、과기보험적인지정도、관리자수교육수평、보비보첩수평、보단보장수평、리배만의도등정류지표여과기보험수구정상관。풍험지표중적인균기술장비치、신산품연발성공솔、기업자신도、고객미예도、신산품소수비솔、시장점유솔등륙항지표여과기보험수구부상관，사회공음투소솔여과기보험수구정상관。경제류지표중적인균자산액、인균리윤액량항지표여과기보험수구정상관，배경류지표중적산업평균리윤솔、R＆D인원점비량항지표여과기보험수구정상관。근거분석결론，종영향고신기술기업구매과기보험수구각도제출상응정책건의。
Based on the data collected through a survey of 257 high-tech enterprises in Shandong Province,this article conducts a systematic research on various factors which exert influence on S&T insurance demand in high-tech enterprises.The empirical analy-sis indicates that such set indicators are in positive correlation with S&T insurance demand as the scientific and technological risk,the cognitive degree of S&T insurance,the education level of managers,the level of premium subsidy,the guarantee level of the insurance policy,and the claim satisfaction.Six of the risk indicators are negatively related to S&T insurance demand,namely,the per capita value of technical equipment,the success rate of new product R&D,the credibility of enterprises,the reputation from customer,the sales rate of new products and the market share.On the contrary,the rates of public complaints are positively related to S&T insurance demand.Among the economic indicators,both per capita assets,and per capita profit have shown positive correlation with S&T insur-ance demand.Among the environmental indicators,the average rate of industrial profits and the proportion of R&D staff have a signifi-cantly positive impact on S&T insurance demand.Based on the analyses above,this article puts forward the policy suggestions from the perspective of influencing factors on the S&T insurance demand in high and new technology industries.
