我国政策性科技保险与最优补贴规模研究.doc 全文

  本文关键词：我国政策性科技保险的最优补贴规模研究，，由笔耕文化传播整理发布。

我国政策性科技保险的最优补贴规模研究 黄英君1 蔡永清2 （1.重庆大学 经济与工商管理学院，重庆 400030;2. 中国建设银行天津市分行，天津300203） 本文通过分析我国科技保险的发展现状及面临的主要问题，从科技保险的市场失灵现象以及财政补贴对科技保险的效应两个方面为政策性科技保险的财政补贴提供理论依据。n the Optimal Subsidy Scale of Policy-Oriented Technology Insurance in China HUANG Ying-jun1, CAI Yong-qing2 1. School of Economics and Business Administration, Chongqing University, Chongqing 400030, China; 2. China Construction Bank Tianjin Branch, Tianjin 300203, China Abstract: Through analyzing the present situation and main problems of technology insurance in China, this article indicates that China should implement policy-oriented technology insurance based on Government support, and provides theoretical support from market failure and the effect to financial subsidies in policy-oriented insurance market. Simultaneously, this article select Beijing, Chongqing, and Wuhan three areas to analyze technology insurance’s subsidy mode in our country, and establishes information incentive model on the assumption that government implements a balanced premium subsidy to technology enterprises. Because of moral hazard, the observable variables should be introduced to expand the information transparency in technology insurance market, and financial subsidy containing both incentives and constraints should be provided insurance companies, then the endogenous optimal financial subsidy scale can be determined in the policy-oriented technology insurance market. Based on the analysis above, it finally proposes relevant policy recommendations about financial subsidy, and incentive mechanism for the development of technology insurance in our country. Key Words: policy-oriented insurance, government support; optimal subsidy scale 保险作为市场化的风

  本文关键词：我国政策性科技保险的最优补贴规模研究，由笔耕文化传播整理发布。