【作者】 陈莉；

【导师】 王勇；

【作者基本信息】 四川大学 ， 金融学， 2005， 硕士

【摘要】 在中国加入WTO以及知识经济全面来临的时代背景下,一个国家的综合竞争能力最终体现在两个方面:一个是科学技术能力,另一个就是现代金融能力。国家的科技竞争力取决于该国的高新科技的创新能力以及技术成果能否成功地转化为商品甚至最终形成产业,而风险资本是这一转化过程中的一项极为重要的资金来源,它是培植高质量高技术企业的重要条件。同时经济全球化、金融混业化的浪潮使民族保险业在面临巨大发展机遇的同时也面临着激烈的国际竞争压力。因此结合我国国情,积极探索我国民族保险业的发展策略,走出一条保险与风险投资相互结合协同发展的道路,对于提升我国民族科技产业的创新水平以及保险业的国际竞争力,进一步增强国民经济综合实力,都具有重要的现实意义。 本文从介绍我国风险投资业和保险业的现实的状况以及发展中所面临的问题切入,从实现国家、民族的伟大复兴和构建和谐社会、促进经济金融稳定的角度阐述了风险投资业和保险业健康发展的重要意义。文章以资源配置、风险管理、制度创新理论为基石,对体现在保险业与风险投资业协同发展进程中的理论意义进行了深入的挖掘,认为保险业和风险投资业的交互式发展,有利于优化资源配置,实现资源共享,提高资源综合利用效率,从而增加社会福利。风险投资业可以充分利用保险行业的人力资源优势、资金优势以及成熟的风险管理技术,从而增强自身实力,为我国的高新科技的创新能力和技术成果成功地转化为商品最终形成产业,创造有利的外部环境条件,客观上使我国科学技术的国际竞争能力得到增强。保险行业通过介入风险投资领域,不仅能够增加其投资渠道,提高资金运用效率,从更深一层次上看,也符合金融混业发展的国际趋势,有利于增强保险业的综合竞争水平和可持续发展的能力,提升我国更多还原

【Abstract】 At the background of China entering into WTO and with the all-around coming of knowledge economy times, the synthesized competitiveness of a country will be ultimately showed at two aspects: one is the capability of modem science and technology, the other is that of modern finance. The competition capability of a country is decided by its innovative capability in the field of the hi-technology, and it also based on the commercializing achievements in scientific research and the transformation of achievements in scientific research from potential productive forces to realistic productive forces. Venture capital is the all-important capital resource in the transformation process, and it is also important to foster the high-quality and high-tech enterprises. At the same time, with the development of economic globalization and the trend of comprehensive run for international finance, national insurance industry is also provided opportunity and challenge. Considering Chinese status to study actively to make up a set of development strategy and tactics for our national insurance industry has very practical significance. It is also important to integrate insurance and risk investment to synergize its developing, to progress the innovation level in our national science and technology industry and the international competition capability of insurance industry, and to boost up the general strength of national economy.Starting with the analysis of the realistic status and the developing problems of risk investment and insurance in our country, from the point of view of achieving the nation renaissance, building the harmonious society and facilitating the stabilization of finance and economy, this paper clarifies the important significance of healthgrowth of risk investment and insurance. Under the surrounding of the theories of resources allocation, risk management and institutional innovation, this discourse deeply discusses the academic significance of the cooperative progress between insurance and risk investment. It is considered that the interactive development between risk investment and insurance being of advantage to optimizing resources allocation, improving efficiency of the use of resource, and increasing social welfare. Venture capital could make the best of human resource advantage, financing advantage and mature risk management technology of insurance, in order to enhance itself strength to accelerate the transformation of achievements in scientific research from potential productive forces to realistic productive forces and intensify our international competitive power. Through cooperating with risk investment, insurance could have more investing channels and improve the efficiency of its investment business. Further more, it is according with the international trend of finance mixed operation, and it would help to enhance our finance international competitive power.This thesis is composed of five parts. The first part is preamble, the second part puts attention to the developing status of insurance and risk investment, the third part analyses the academic base of the cooperation and, in the forth part, the paper puts emphasis on the road choices that can be used by insurance to enter the venture capital. It is considered that there are two facets to insurance to exert an influence that is to be the major player and the agency of risk investment. For instance, insurance could simply be institution investor to give venture capital, or it could directly participate in the operation of risk investment institution, or it could provide insurance service about risk investment. And in this part, the paper analyses the risks of former cooperation modes and gives some suggestions about risk management. In the last part of whole thesis, it discusses the relationship of interactive developing risk investment and insurance and building the harmonious society.更多还原