科技保险险种创新方案与构想

Innovation Program and Conception of Science and Technology Insurance Kind

随着我国科技保险的发展,市场对于科技保险新险种的需求逐渐凸显,为了适应科技保险的新需求,以现有的险种创新方法为基础,针对科技保险的险种创新设计了具体的方案。在创新方案的指导下,针对研发技术人员职业风险极高的现状,提出了设计研发技术人员职业责任保险的构想,并在现有保险费率厘定方法的基础上构建了该种新险种的费率模型,最后以人保财险和某D公司为调研对象,收集具体数据,利用先验理论分布对研发技术人员职业责任保险费率厘定模型进行模拟实证分析。

Along with the development of science and technology insurance, demands for new science and technology insurance kinds are becoming sharper and sharper. To meet the new demands of science and technology insurance, on the basis of current insurance kind innovative approach, this paper designs a specific program of science and technology insurance innovation. Under the direction of innovation program, according to the current situation of high professional risks for technology researchers, the paper proposes the conception of professional liability insurance for technology researchers. Based on the current premium ratemaking method, it builds a new insurance kind rate model. Finally, the paper takes PICC Property and Casualty and D company as research objects, collects data, and makes an empirical analysis on premium ratemaking model of professional liability insurance for technology researchers by using priori theories distribution.