本文選題：科技保險　切入點：風險決策偏好　出處：《福州大學》2014年博士論文　論文類型：學位論文

【摘要】：科技保險作為科技與金融相結(jié)合的重要產(chǎn)物,已成為科技企業(yè)分散、轉(zhuǎn)移科技創(chuàng)新風險的主要手段之一。本文在梳理國內(nèi)外文獻基礎上,構(gòu)建了科技保險中風險決策偏好、風險分擔與組織績效之關系的研究框架,并對作用機理進行演化博弈分析,提出了概念模型與研究假設；接著對保險公司進行問卷調(diào)查,收集了243個樣本數(shù)據(jù)并通過相關檢驗；最后利用結(jié)構(gòu)方程模型等方法實證檢驗了研究假設,并對所得結(jié)論進行了分析和討論。本文以問題導向和實證分析為基礎,開展了具有一定探索創(chuàng)新的理論與實踐研究,并得出了一些具有一定理論創(chuàng)新價值和現(xiàn)實指導意義的結(jié)論,主要是：1.科技保險中風險決策偏好、風險分擔與組織績效之間存在三元關系。在文獻歸納基礎上,從風險決策偏好與組織績效關系出發(fā),引入風險分擔提出了三者存有相互關系的研究假說,將風險決策偏好與組織績效二元關系拓展成風險決策偏好、風險分擔與組織績效三元關系。本文構(gòu)建了保險公司與科技企業(yè)之間的博弈模型,并通過演化博弈分析得出了各變量之間的基本邏輯關系,即風險決策偏好作為自變量,通過風險分擔這個中間變量,影響因變量組織績效。這為今后科技風險管理與保險問題研究提供了理論分析框架,深化、拓展了偏好理論、風險管理等理論。2.科技保險中風險決策偏好、風險分擔與組織績效具有不同的結(jié)構(gòu)特性。本研究將風險決策偏好劃分為認知維度、考核維度與結(jié)構(gòu)維度,將風險分擔劃分為主體選擇與渠道建構(gòu),將組織績效劃分為財務維度和社會維度。相關檢驗表明,上述劃分具有一定的科學性和合理性,有助于實踐部門針對性地采取措施推動科技保險發(fā)展。3.風險決策偏好三個維度對風險分擔的影響效力存在差異。一方面,風險決策偏好考核維度對風險分擔主體選擇和渠道建構(gòu)均產(chǎn)生顯著的正向影響,且其影響效力是風險決策偏好各維度中最高的；另一方面,它對于風險分擔渠道建構(gòu)將近一半的影響是通過風險分擔主體選擇這一中介來實現(xiàn)的。風險決策偏好認知維度對風險分擔渠道建構(gòu)具有顯著的正向影響；與之相反,風險決策偏好結(jié)構(gòu)維度與風險分擔之間則呈現(xiàn)負相關關系。因此,科技風險分擔受制于風險決策偏好,這一結(jié)果為推動科技風險分擔提供新的思路。4.風險分擔兩個維度對組織績效的作用各不同。實證顯示,風險分擔主體選擇與渠道建構(gòu)對于組織績效財務維度和社會維度均呈現(xiàn)正向影響,且風險分擔對組織績效社會維度影響主要是通過組織績效財務維度這一中介來實現(xiàn)的。此外,風險決策偏好一方面通過認知層面調(diào)節(jié)風險活動主體選擇判斷并推動財務績效,另一方面通過結(jié)構(gòu)層面調(diào)節(jié)轉(zhuǎn)移或分散科技創(chuàng)新風險來影響財務績效和社會績效。本文系統(tǒng)剖析了二者之間的關系,使研究結(jié)果更具解釋力。5.風險分擔、組織績效內(nèi)部維度之間存在影響。本文還發(fā)現(xiàn),風險分擔主體選擇與渠道建構(gòu)、組織績效財務維度與社會維度之間均存在正向影響。該結(jié)論彌補了以往研究的不足,具有一定的理論價值和實踐意義。6.信息不對稱對于各變量之間的結(jié)構(gòu)關系存有影響。信息不對稱一方面從考核層面弱化了風險決策偏好對風險分擔、從主體選擇層面弱化了風險分擔對組織績效的影響效力；另一方面從認知和結(jié)構(gòu)層面強化了風險決策偏好對風險分擔、從渠道建構(gòu)層面強化了風險分擔對組織績效的影響效力。這一結(jié)論在一定程度上為科技保險可持續(xù)發(fā)展提供了啟示。
[Abstract]:An important product of science and technology insurance as the combination of technology and finance, science and technology has become one of the main means of enterprise decentralization, transfer of technology innovation risk. This paper summarizes the research literature on the basis of the construction of science and technology insurance risk decision preference, risk sharing framework and relationship between organizational performance, and the mechanism of evolution game analysis and put forward the concept model and research hypothesis; then carries on the questionnaire survey to the insurance company, collected 243 sample data and through the relevant inspection; finally, using structural equation model to empirically test the research hypothesis, and the results are analyzed and discussed in this paper. The problem oriented and empirical analysis as the foundation, has carried out a study on the theory and practice of innovation, and has gained some certain value of theoretical innovation and practical significance of the conclusions, mainly: 1. The risk decision of technology insurance in preference, there are three yuan the relationship between risk sharing and organizational performance. On the basis of literature reviews, starting from the relationship between risk preference and organizational performance, the introduction of risk sharing puts forward the research hypothesis three have mutual relations, risk decision-making preferences and organizational performance of two yuan development risk preference risk sharing, and organizational performance of three yuan. This paper constructs the game model between the insurance company and the enterprise of science and technology, and the logical relations between the variables were obtained through evolutionary game analysis, namely the risk decision-making preferences as independent variables, the intermediate variables through risk sharing, affect the dependent variable of organizational performance. This provides a theoretical analysis the framework for future technology, deepen the risk management and insurance problem research, expand the risk decision preference preference theory, risk management theory of.2. technology in insurance, Risk sharing and organizational performance have different structural properties. This study will risk decision preference into cognitive dimension, evaluation dimensions and structure, the risk sharing is divided into subject selection and channel construction, the organizational performance is divided into financial and social dimension. The relevant test shows that the Division has certain scientific and rational that helps the practice Department to take effective measures to promote the development of science and technology insurance.3. risk preference in three dimensions have varying effects on risk sharing. On the one hand, the risk preference assessment dimensions have a positive effect on risk sharing subject selection and channel construction, and the influence effect is the highest risk decision preference dimensions; on the other hand, it influences the risk sharing channel to construct nearly half is through risk sharing subject choice as an intermediary to achieve The cognitive dimension of risk decision preference on risk sharing channel construction has a significant positive effect; on the contrary, it shows a negative correlation between the risk factor and the risk preference structure of decision sharing. Therefore, science and technology risk to bear the risk of decision preference, as a result of promoting science and technology risk sharing provides a new idea for.4. risk sharing the two dimensions of organizational performance effects are different. The empirical results show that risk sharing subject selection and channel construction has positive influence on organizational performance of financial and social dimension, and the risk sharing effect on organizational performance and social dimensions is mainly achieved through the organizational performance dimensions of this financial intermediary. In addition, a risk decision preference through the cognitive level regulation and promote the activities of the main risk to choose and judge the financial performance, on the other hand, transfer or spread of science and technology through the structure adjustment The innovation risk of financial performance and social performance. This paper analyzes the relationship between the two, make the research results more explanatory power of.5. risk sharing, affect organizational performance between internal dimensions. This paper also found that risk sharing selection and construction of the main channel, there was a positive correlation between organizational performance and financial dimension and social dimension the conclusion makes up for the shortcomings of previous studies, has a certain theoretical value and practical significance of.6. are under the influence of information asymmetry for the relationship between the variables. Information asymmetry while weakening the risk decision preference for risk sharing from the assessment level, the main selection level weakens the risk sharing effect to influence organizational performance; another to strengthen the risk decision preference for risk sharing from structural and cognitive level, from the channel construction level to strengthen the risk sharing on organizational performance This conclusion, to a certain extent, provides inspiration for the sustainable development of science and technology insurance.

【學位授予單位】：福州大學
【學位級別】：博士
【學位授予年份】：2014
【分類號】：F842.6
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本文編號：1594029