本文選題：科技保險(xiǎn)　切入點(diǎn)：風(fēng)險(xiǎn)決策偏好　出處：《福州大學(xué)》2014年博士論文　論文類型：學(xué)位論文

【摘要】：科技保險(xiǎn)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(fēng)險(xiǎn)的主要手段之一。本文在梳理國內(nèi)外文獻(xiàn)基礎(chǔ)上,構(gòu)建了科技保險(xiǎn)中風(fēng)險(xiǎn)決策偏好、風(fēng)險(xiǎn)分擔(dān)與組織績效之關(guān)系的研究框架,并對作用機(jī)理進(jìn)行演化博弈分析,提出了概念模型與研究假設(shè)；接著對保險(xiǎn)公司進(jìn)行問卷調(diào)查,收集了243個(gè)樣本數(shù)據(jù)并通過相關(guān)檢驗(yàn)；最后利用結(jié)構(gòu)方程模型等方法實(shí)證檢驗(yàn)了研究假設(shè),并對所得結(jié)論進(jìn)行了分析和討論。本文以問題導(dǎo)向和實(shí)證分析為基礎(chǔ),開展了具有一定探索創(chuàng)新的理論與實(shí)踐研究,并得出了一些具有一定理論創(chuàng)新價(jià)值和現(xiàn)實(shí)指導(dǎo)意義的結(jié)論,主要是：1.科技保險(xiǎn)中風(fēng)險(xiǎn)決策偏好、風(fēng)險(xiǎn)分擔(dān)與組織績效之間存在三元關(guān)系。在文獻(xiàn)歸納基礎(chǔ)上,從風(fēng)險(xiǎn)決策偏好與組織績效關(guān)系出發(fā),引入風(fēng)險(xiǎn)分擔(dān)提出了三者存有相互關(guān)系的研究假說,將風(fēng)險(xiǎn)決策偏好與組織績效二元關(guān)系拓展成風(fēng)險(xiǎn)決策偏好、風(fēng)險(xiǎn)分擔(dān)與組織績效三元關(guān)系。本文構(gòu)建了保險(xiǎn)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(guān)系,即風(fēng)險(xiǎn)決策偏好作為自變量,通過風(fēng)險(xiǎn)分擔(dān)這個(gè)中間變量,影響因變量組織績效。這為今后科技風(fēng)險(xiǎn)管理與保險(xiǎn)問題研究提供了理論分析框架,深化、拓展了偏好理論、風(fēng)險(xiǎn)管理等理論。2.科技保險(xiǎn)中風(fēng)險(xiǎn)決策偏好、風(fēng)險(xiǎn)分擔(dān)與組織績效具有不同的結(jié)構(gòu)特性。本研究將風(fēng)險(xiǎn)決策偏好劃分為認(rèn)知維度、考核維度與結(jié)構(gòu)維度,將風(fēng)險(xiǎn)分擔(dān)劃分為主體選擇與渠道建構(gòu),將組織績效劃分為財(cái)務(wù)維度和社會(huì)維度。相關(guān)檢驗(yàn)表明,上述劃分具有一定的科學(xué)性和合理性,有助于實(shí)踐部門針對性地采取措施推動(dòng)科技保險(xiǎn)發(fā)展。3.風(fēng)險(xiǎn)決策偏好三個(gè)維度對風(fēng)險(xiǎn)分擔(dān)的影響效力存在差異。一方面,風(fēng)險(xiǎn)決策偏好考核維度對風(fēng)險(xiǎn)分擔(dān)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(fēng)險(xiǎn)決策偏好各維度中最高的；另一方面,它對于風(fēng)險(xiǎn)分擔(dān)渠道建構(gòu)將近一半的影響是通過風(fēng)險(xiǎn)分擔(dān)主體選擇這一中介來實(shí)現(xiàn)的。風(fēng)險(xiǎn)決策偏好認(rèn)知維度對風(fēng)險(xiǎn)分擔(dān)渠道建構(gòu)具有顯著的正向影響；與之相反,風(fēng)險(xiǎn)決策偏好結(jié)構(gòu)維度與風(fēng)險(xiǎn)分擔(dān)之間則呈現(xiàn)負(fù)相關(guān)關(guān)系。因此,科技風(fēng)險(xiǎn)分擔(dān)受制于風(fēng)險(xiǎn)決策偏好,這一結(jié)果為推動(dòng)科技風(fēng)險(xiǎn)分擔(dān)提供新的思路。4.風(fēng)險(xiǎn)分擔(dān)兩個(gè)維度對組織績效的作用各不同。實(shí)證顯示,風(fēng)險(xiǎn)分擔(dān)主體選擇與渠道建構(gòu)對于組織績效財(cái)務(wù)維度和社會(huì)維度均呈現(xiàn)正向影響,且風(fēng)險(xiǎn)分擔(dān)對組織績效社會(huì)維度影響主要是通過組織績效財(cái)務(wù)維度這一中介來實(shí)現(xiàn)的。此外,風(fēng)險(xiǎn)決策偏好一方面通過認(rèn)知層面調(diào)節(jié)風(fēng)險(xiǎn)活動(dòng)主體選擇判斷并推動(dòng)財(cái)務(wù)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(fēng)險(xiǎn)來影響財(cái)務(wù)績效和社會(huì)績效。本文系統(tǒng)剖析了二者之間的關(guān)系,使研究結(jié)果更具解釋力。5.風(fēng)險(xiǎn)分擔(dān)、組織績效內(nèi)部維度之間存在影響。本文還發(fā)現(xiàn),風(fēng)險(xiǎn)分擔(dān)主體選擇與渠道建構(gòu)、組織績效財(cái)務(wù)維度與社會(huì)維度之間均存在正向影響。該結(jié)論彌補(bǔ)了以往研究的不足,具有一定的理論價(jià)值和實(shí)踐意義。6.信息不對稱對于各變量之間的結(jié)構(gòu)關(guān)系存有影響。信息不對稱一方面從考核層面弱化了風(fēng)險(xiǎn)決策偏好對風(fēng)險(xiǎn)分擔(dān)、從主體選擇層面弱化了風(fēng)險(xiǎn)分擔(dān)對組織績效的影響效力；另一方面從認(rèn)知和結(jié)構(gòu)層面強(qiáng)化了風(fēng)險(xiǎn)決策偏好對風(fēng)險(xiǎn)分擔(dān)、從渠道建構(gòu)層面強(qiáng)化了風(fēng)險(xiǎn)分擔(dān)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(xiǎn)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(xué)位授予單位】：福州大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F842.6
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本文編號(hào)：1594029