本文關(guān)鍵詞：我國政策性科技保險的最優(yōu)補(bǔ)貼規(guī)模研究，由筆耕文化傳播整理發(fā)布。

我國政策性科技保險的最優(yōu)補(bǔ)貼規(guī)模研究 黃英君1 蔡永清2 （1.重慶大學(xué) 經(jīng)濟(jì)與工商管理學(xué)院，，重慶 400030;2. 中國建設(shè)銀行天津市分行，天津300203） 本文通過分析我國科技保險的發(fā)展現(xiàn)狀及面臨的主要問題，從科技保險的市場失靈現(xiàn)象以及財政補(bǔ)貼對科技保險的效應(yīng)兩個方面為政策性科技保險的財政補(bǔ)貼提供理論依據(jù)。n the Optimal Subsidy Scale of Policy-Oriented Technology Insurance in China HUANG Ying-jun1, CAI Yong-qing2 1. School of Economics and Business Administration, Chongqing University, Chongqing 400030, China; 2. China Construction Bank Tianjin Branch, Tianjin 300203, China Abstract: Through analyzing the present situation and main problems of technology insurance in China, this article indicates that China should implement policy-oriented technology insurance based on Government support, and provides theoretical support from market failure and the effect to financial subsidies in policy-oriented insurance market. Simultaneously, this article select Beijing, Chongqing, and Wuhan three areas to analyze technology insurance’s subsidy mode in our country, and establishes information incentive model on the assumption that government implements a balanced premium subsidy to technology enterprises. Because of moral hazard, the observable variables should be introduced to expand the information transparency in technology insurance market, and financial subsidy containing both incentives and constraints should be provided insurance companies, then the endogenous optimal financial subsidy scale can be determined in the policy-oriented technology insurance market. Based on the analysis above, it finally proposes relevant policy recommendations about financial subsidy, and incentive mechanism for the development of technology insurance in our country. Key Words: policy-oriented insurance, government support; optimal subsidy scale 保險作為市場化的風(fēng)

  本文關(guān)鍵詞：我國政策性科技保險的最優(yōu)補(bǔ)貼規(guī)模研究，由筆耕文化傳播整理發(fā)布。