Страхование инновационных рисков

Abstract

The topicality of this article is determined by the necessity to develop the scientific, methodological and methodical foundations of innovative risks insurance. The definition of innovative risk is specified. The innovative risks are classified according to the proposed criteria (the stage of the innovative process, the innovative activity object, the insurability). The efficiency of insurance as one of the method of risk management in innovative activity based on the matrixes of innovative risk-management is established. After a comparative analysis innovative risks insurance markets the authors identified features of the insurance practice. The authors proposed including the insurance premiums cofinancing, the application of mutual insurance technology.