Research on the Construction of a Full Life Cycle Insurance Service System for Technology Enterprises

Abstract

Technology enterprises face high-risk, diverse, and uncertain challenges at different stages of their life cycle. Based on the enterprise life cycle theory, this paper analyzes the main risk characteristics and changes in insurance demand of technology enterprises in their startup, growth, and maturity stages. It points out that the current technology insurance service system suffers from problems such as a single insurance supply structure, an incomplete service system, and a mismatch between products and enterprise needs. In response to the characteristics of different development stages, this paper proposes policy recommendations for improving the technology insurance system, including establishing a risk compensation mechanism, encouraging insurance product innovation, promoting the development of new types of insurance, and improving cross-border insurance service support. At the same time, it emphasizes that technology enterprises should enhance their awareness of insurance use and risk management capabilities, proactively adapt to and utilize technology insurance services, and form a virtuous cycle of supply and demand coordination. The study concludes that constructing an insurance service system covering the entire life cycle of technology enterprises is an important guarantee for enhancing the resilience of my country's technological innovation and the high-quality development of its industries.