高新技术产业科技保险需求的影响因素研究--基于山东省257家高新技术企业的调查

摘要

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。%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.