经济与管理评论
經濟與管理評論
경제여관리평론
Shandong Economy
2015年
1期
89~97
,共null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.
