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科技保险作为一种新兴的金融创新产品,近年来在我国获得长足的发展,促进了科技企业的自主研发和创新。但与成熟保险市场产品的定价不同,由于信息不对称、数据缺乏等原因导致定价困难。文章系统地分析了科技保险定价存在困难的原因,基于传统精算方法,从收据收集、模型可靠性、保险公司风险管控等方面提出了有效的定价改进方法和策略。
As a new financial innovation product, science and technology insurance has made great strides in our country in recent years, promoting the independent R & D and innovation of science and technology enterprises. But with the pricing of mature insurance market products is different, due to information asymmetry, lack of data and other reasons lead to pricing difficulties. Based on the traditional actuarial method, this paper systematically analyzes the reasons for the difficulties in science and technology insurance pricing. Based on the collection of receipts, the reliability of the model and the risk control of insurance companies, it puts forward effective methods and strategies of pricing improvement.