高新技术产业科技保险投保需求的实证研究

利用广州市开发区高新技术企业的调查数据,运用Logit和Probit模型对影响企业科技保险需求的各因素进行计量分析。研究表明:企业个体特征中的外资性质、注册资本与科技保险需求负相关,员工人数和中高层管理人员受教育程度与科技保险需求正相关,生物与新医药技术、高技术服务及高新技术改造传统产业类企业对投保具有负向作用;企业风险特征中的灾害风险、损失金额与科技保险需求负相关,市场风险与科技保险需求正相关,风险集中发生在研发实施阶段、产品生产阶段和市场推广阶段的企业对投保具有正向作用;企业认知特征中企业对科技保险的认知程度与科技保险需求正向相关,保险公司的推广宣传对投保具有正向作用。

Analysis of S&T Insurance Demand factors in High and Newtechnology Industries

Based on the survey data of Guangzhou development zone, this paper uses Logit and Probit model to analyze demand influencing factors of the high-tech Industries. The empirical analysis indicates that in the individual characteristics of the enterprises , the nature of foreign investment enterprises and registered capital are negatively related to S&T insurance demand. On the contrary, staff number and senior management are positive related to S&T insurance demand. In addition, such as biology and new medicine technology enterprises, high technical service enterprises and the enterprises of high technology reforming traditional industries have negative effect on the insurance policy. In risk characteristics, the empirical analysis shows that disaster risks and loss are negatively related to S&T insurance demand. Market risks are positive related to S&T insurance demand. If the risk occurred in R&D implementation phase, production stage or market promotion stage, they have positive effect on the insurance tendency. In the aspect of enterprise cognitive features, cognition degree is positive related to S&T insurance policy. Publicity and promotion of insurance company has positive effect on the insurance tendency.