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| Research on the Factors Influencing the Purchase Willingness of High-tech Enterprises Technology Insurance |
| Ren Hui1,2 |
| （1.Guangdong University of Foreign Studies，SchoolofFinance，Guangzhou 510006,China；2.Southern China Institute of Fortune Management Research（IFMR）, Guangzhou510006,China） |
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Abstract 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.
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Received: 12 November 2019
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