中文摘要：

科技保险是我国保险领域的一项重要创新。从社会成本节约视角揭示科技保险制度的社会福利效应,分析科技保险制度运行成本对其福利效应的制约。在对影响科技保险运行成本主要因素进行分析的基础上,从强化科技风险规律研究、搭建科技保险信息服务和技术支持平台、培养科技保险专业技术人才、优化科技保险补贴标准与完善政策支持体系、培育保险意识并强化相关机构间的协作机制等层面,提出合理控制我国科技保险制度成本,进而提升其社会福利效应的意见和建议。

英文摘要：

Science technology insurance is an important innovation in Chinese insurance industry.From the perspective of social cost savings resulted from the effective running of science technology insurance,the social welfare effects of science technology insurance is revealed,and the running cost of science technology insurance itself which can weaken its welfare effects is also analyzed in this paper,and then,based on the analysis on the major factors behind the running cost of science technology insurance,we put forward some ideas and suggestions to keep a reasonable control on the running cost of the business,thus enhancing its social welfare effect,such as intensifying researches on science technology risks,building platforms actively of information service and technical assistance for science technology insurance,cultivating professional and technical talents,optimizing the standard of subsidy,perfecting the supporting policy system,fostering insurance awareness,and strengthening cooperative mechanism between related bodies,etc.