供给侧改革视角下科技保险 “供需双冷”困境及其化解

在供给侧改革背景下，科技保险肩负着为科技创新保驾护航的历史使命。然而，科技保险试点10年来，依然面临需求低迷与供给不足并存的发展困境。其主要根源在于：严重的信息不对称造成市场失灵、“跛行”的财政支持政策不能形成有效激励以及不成熟的行业环境制约。要想走出这一困境，仅仅从需求方着力是远远不够的。科技保险的正外部性和科技保险市场高度的信息不对称，决定了必须从财政支持、产品创新、机制创新、中介培育及信息服务等方面进行供给侧改革。为此，提出应当构建供需并重的差异化财政支持机制、加大与需求侧相匹配的科技保险产品供给、创新科技保险契约模式及运行机制、搭建科技保险中介服务和信息支持平台等建议。

The Development Predicaments of Low Interest in S＆T Insurance on both Sides of Supply and Demand on the View of the Supply side Structural Reform

In the context of the supply side structural reform, scientific and technological (S&T) Insurance have the responsibility for the historical mission of navigating the way to S&T innovations. However, China gets stuck in the development predicaments of low interest in S &T insurance on both sides of supply and demand even after the policy had been executed by the government for 10 years. The paper concludes that the dilemma roots from serious problem of information asymmetry, the limped financial support policy and the immature industry environment of insurance. In order to get out of the plight, it's not enough to just make effort from the demand side. Because of positive externality of S&T Insurance and the high degree of information asymmetry in the market, measures should be taken from the supply side on the financial support policy, product innovation, mechanism innovation, intermediary fostering and information service. For all this, the paper suggests that we should establish a differentiated financial support mechanism emphasizing both supply and demand side , strengthen the supply of S&T insurance product that match the demand side, innovate the contract schema and operational mechanism, build platforms for intermediary service and information support.