高新技术企业科技保险购买意愿影响因素研究——基于广州市274家高新技术企业的调查

基于有限理性假说，构建高新技术企业科技保险购买意愿影响因素分析框架，运用Probit模型对广州市274家高新技术企业调查问卷数据进行回归分析。实证结果表明，管理者受教育程度、风险态度，企业类型、注册资金、信用，企业风险认知、对科技保险政策的了解程度、对保险保障水平的认知，以及行业竞争程度、政府支持本行业的满意度、是否参加行业协会等因素对企业科技保险购买意愿具有显著影响。此外，对当前高新技术企业科技保险参保率低的原因作出解释，为相关部门制定政策提供依据。政府应从增强企业风险识别和评估能力、提高保险保障水平、丰富保险产品品种和发挥保险融资功能等方面入手，进一步推动科技保险发展。

Research on the Factors Influencing the Purchase Willingness of High-tech Enterprises Technology Insurance

Based on the bounded rational hypothesis, this researchaims to build a framework to exploring the factors affecting the purchase intention of high-tech enterprises technology insurance.A Probit model is used to analyze the questionnaire data of 274 high-tech enterprises in Guangzhou.The empirical results show that managers' education level, manager's risk attitude,ownership types ofenterprises, enterprise registration funds, credibility of enterprises, corporate managers' awareness of technology risks,the degree of understanding of technology insurance policies by managers,the cognition of insurance guarantee level by managers,the industry competition，the government's support for the industry，and whether there are industry associations all have outstanding effects on the enterprises' technology insurance purchase intention.The empirical results reveal the reasons for the low participation rate of science and technology insurance, and provide strong support for relevant departments to grasp the choice of enterprises' participation in science and technology insurance decision-making behavior.The conclusion of the research is that we should further promote the development of science and technology insurance by strengthening the ability of risk identification and evaluation, improving the level of insurance protection, enriching the variety of insurance products and exerting the function of insurance financing.