科技保险是科技部和保监会在国际金融危机的背景下,为落实国家加大自主创新力度转变经济发展方式重要战略决策而采取的一项通过政府引导和财政补贴,运用市场机制和金融工具为高新技术企业保驾护航的重要创新举措。本文基于科技保险概念的外延,通过总结科技风险的基本规律,进而阐明科技保 Science and Technology Insurance is the Ministry of Science and the China Insurance Regulatory Commission in the context of the international financial crisis, for the implementation of national efforts to increase independent innovation to transform the economic development mode of an important strategic decision taken by the government through the guidance and financial subsidies, the use of market mechanisms and financial instruments for high and new Technology companies escort the important innovation initiatives. Based on the extension of the concept of science and technology insurance, this article summarizes the basic rules of science and technology risk,