科技保险中风险决策偏好、风险分担与组织绩效之关系研究

发布时间：2018-03-10 15:53

  本文选题：科技保险　切入点：风险决策偏好　出处：《福州大学》2014年博士论文　论文类型：学位论文

【摘要】：科技保险作为科技与金融相结合的重要产物,已成为科技企业分散、转移科技创新风险的主要手段之一。本文在梳理国内外文献基础上,构建了科技保险中风险决策偏好、风险分担与组织绩效之关系的研究框架,并对作用机理进行演化博弈分析,提出了概念模型与研究假设；接着对保险公司进行问卷调查,收集了243个样本数据并通过相关检验；最后利用结构方程模型等方法实证检验了研究假设,并对所得结论进行了分析和讨论。本文以问题导向和实证分析为基础,开展了具有一定探索创新的理论与实践研究,并得出了一些具有一定理论创新价值和现实指导意义的结论,主要是：1.科技保险中风险决策偏好、风险分担与组织绩效之间存在三元关系。在文献归纳基础上,从风险决策偏好与组织绩效关系出发,引入风险分担提出了三者存有相互关系的研究假说,将风险决策偏好与组织绩效二元关系拓展成风险决策偏好、风险分担与组织绩效三元关系。本文构建了保险公司与科技企业之间的博弈模型,并通过演化博弈分析得出了各变量之间的基本逻辑关系,即风险决策偏好作为自变量,通过风险分担这个中间变量,影响因变量组织绩效。这为今后科技风险管理与保险问题研究提供了理论分析框架,深化、拓展了偏好理论、风险管理等理论。2.科技保险中风险决策偏好、风险分担与组织绩效具有不同的结构特性。本研究将风险决策偏好划分为认知维度、考核维度与结构维度,将风险分担划分为主体选择与渠道建构,将组织绩效划分为财务维度和社会维度。相关检验表明,上述划分具有一定的科学性和合理性,有助于实践部门针对性地采取措施推动科技保险发展。3.风险决策偏好三个维度对风险分担的影响效力存在差异。一方面,风险决策偏好考核维度对风险分担主体选择和渠道建构均产生显著的正向影响,且其影响效力是风险决策偏好各维度中最高的；另一方面,它对于风险分担渠道建构将近一半的影响是通过风险分担主体选择这一中介来实现的。风险决策偏好认知维度对风险分担渠道建构具有显著的正向影响；与之相反,风险决策偏好结构维度与风险分担之间则呈现负相关关系。因此,科技风险分担受制于风险决策偏好,这一结果为推动科技风险分担提供新的思路。4.风险分担两个维度对组织绩效的作用各不同。实证显示,风险分担主体选择与渠道建构对于组织绩效财务维度和社会维度均呈现正向影响,且风险分担对组织绩效社会维度影响主要是通过组织绩效财务维度这一中介来实现的。此外,风险决策偏好一方面通过认知层面调节风险活动主体选择判断并推动财务绩效,另一方面通过结构层面调节转移或分散科技创新风险来影响财务绩效和社会绩效。本文系统剖析了二者之间的关系,使研究结果更具解释力。5.风险分担、组织绩效内部维度之间存在影响。本文还发现,风险分担主体选择与渠道建构、组织绩效财务维度与社会维度之间均存在正向影响。该结论弥补了以往研究的不足,具有一定的理论价值和实践意义。6.信息不对称对于各变量之间的结构关系存有影响。信息不对称一方面从考核层面弱化了风险决策偏好对风险分担、从主体选择层面弱化了风险分担对组织绩效的影响效力；另一方面从认知和结构层面强化了风险决策偏好对风险分担、从渠道建构层面强化了风险分担对组织绩效的影响效力。这一结论在一定程度上为科技保险可持续发展提供了启示。
[Abstract]:An important product of science and technology insurance as the combination of technology and finance, science and technology has become one of the main means of enterprise decentralization, transfer of technology innovation risk. This paper summarizes the research literature on the basis of the construction of science and technology insurance risk decision preference, risk sharing framework and relationship between organizational performance, and the mechanism of evolution game analysis and put forward the concept model and research hypothesis; then carries on the questionnaire survey to the insurance company, collected 243 sample data and through the relevant inspection; finally, using structural equation model to empirically test the research hypothesis, and the results are analyzed and discussed in this paper. The problem oriented and empirical analysis as the foundation, has carried out a study on the theory and practice of innovation, and has gained some certain value of theoretical innovation and practical significance of the conclusions, mainly: 1. The risk decision of technology insurance in preference, there are three yuan the relationship between risk sharing and organizational performance. On the basis of literature reviews, starting from the relationship between risk preference and organizational performance, the introduction of risk sharing puts forward the research hypothesis three have mutual relations, risk decision-making preferences and organizational performance of two yuan development risk preference risk sharing, and organizational performance of three yuan. This paper constructs the game model between the insurance company and the enterprise of science and technology, and the logical relations between the variables were obtained through evolutionary game analysis, namely the risk decision-making preferences as independent variables, the intermediate variables through risk sharing, affect the dependent variable of organizational performance. This provides a theoretical analysis the framework for future technology, deepen the risk management and insurance problem research, expand the risk decision preference preference theory, risk management theory of.2. technology in insurance, Risk sharing and organizational performance have different structural properties. This study will risk decision preference into cognitive dimension, evaluation dimensions and structure, the risk sharing is divided into subject selection and channel construction, the organizational performance is divided into financial and social dimension. The relevant test shows that the Division has certain scientific and rational that helps the practice Department to take effective measures to promote the development of science and technology insurance.3. risk preference in three dimensions have varying effects on risk sharing. On the one hand, the risk preference assessment dimensions have a positive effect on risk sharing subject selection and channel construction, and the influence effect is the highest risk decision preference dimensions; on the other hand, it influences the risk sharing channel to construct nearly half is through risk sharing subject choice as an intermediary to achieve The cognitive dimension of risk decision preference on risk sharing channel construction has a significant positive effect; on the contrary, it shows a negative correlation between the risk factor and the risk preference structure of decision sharing. Therefore, science and technology risk to bear the risk of decision preference, as a result of promoting science and technology risk sharing provides a new idea for.4. risk sharing the two dimensions of organizational performance effects are different. The empirical results show that risk sharing subject selection and channel construction has positive influence on organizational performance of financial and social dimension, and the risk sharing effect on organizational performance and social dimensions is mainly achieved through the organizational performance dimensions of this financial intermediary. In addition, a risk decision preference through the cognitive level regulation and promote the activities of the main risk to choose and judge the financial performance, on the other hand, transfer or spread of science and technology through the structure adjustment The innovation risk of financial performance and social performance. This paper analyzes the relationship between the two, make the research results more explanatory power of.5. risk sharing, affect organizational performance between internal dimensions. This paper also found that risk sharing selection and construction of the main channel, there was a positive correlation between organizational performance and financial dimension and social dimension the conclusion makes up for the shortcomings of previous studies, has a certain theoretical value and practical significance of.6. are under the influence of information asymmetry for the relationship between the variables. Information asymmetry while weakening the risk decision preference for risk sharing from the assessment level, the main selection level weakens the risk sharing effect to influence organizational performance; another to strengthen the risk decision preference for risk sharing from structural and cognitive level, from the channel construction level to strengthen the risk sharing on organizational performance This conclusion, to a certain extent, provides inspiration for the sustainable development of science and technology insurance.

【学位授予单位】：福州大学
【学位级别】：博士
【学位授予年份】：2014
【分类号】：F842.6
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本文编号：1594029