高新技术企业科技风险与科技保险关联度实证分析——以河北省为例

为了防范追求高额科技创新利润产生的科技风险,人们力图构建有效的科技保险的保障体系。本文利用Bootstrap法结构方程模型对河北省高新技术企业科技风险与科技保险的关联度进行了实证分析,并得出如下结论:高新技术企业的发展离不开科技保险的保障,科技保险是化解和转移科技风险的重要手段。在政府层面,河北省应该扩大试点范围,建立科技保险信息数据库;在保险公司层面,要设计有针对性的科技保险险种,最大限度地满足高新技术产业的风险保障诉求;在高新技术企业层面,要通过科技保险的形式参与企业的科技创新,实行风险共担、利益共享。

In order to guard against the technological risks caused by the pursuit of profits, people are trying to build an effective risk - preventing system. Guided by a tool strap model, the paper makes an empirical analysis on the connection between techno- logical risks and insurances in high - teeh enterprises in Hebei Province. The result of the research shows that high - teeh enterprises cannot develop without the technological insurance, and the technological insurance is an important means to transfer technological risks. The government should do more experiments in more enterprises and get more information and database; the insurance companies should design the targeted technological insurances to meet the maximum demands of high- tech enterprises; the high- tech enterprises should participate in scientific and technological innovations by taking advantages of technological insurances as to share risks and profits.