上海出台科技保险新政策 全链条护航科技创新

Core Viewpoint - The document outlines the "Guiding Opinions on Promoting High-Quality Development of Technology Insurance in Shanghai," which aims to enhance the role of technology insurance as a stabilizer and shock absorber for innovation [1][2]. Group 1: Framework and Key Tasks - The guiding opinions propose a comprehensive development framework for technology insurance that covers the entire chain of technological innovation and the full lifecycle of technology enterprises, focusing on major research projects, cutting-edge technology breakthroughs, innovation in small and medium-sized enterprises (SMEs), and enterprises' overseas strategies [1]. - Five key tasks and 16 specific measures are identified to systematically promote the development of technology insurance [1]. Group 2: Mechanism Innovation - The opinions emphasize professional operation and digital empowerment as primary strategies to enhance the quality and efficiency of technology insurance, proposing principles such as "special assessment, exclusive products, professional talent, specialized institutions, dedicated technology, dedicated systems, and dedicated supervision" [1]. - Shanghai will explore quantifying enterprise innovation capabilities into the insurance pricing system and pilot a "Shanghai Science Credit" precise pricing mechanism [1]. Group 3: Policy Coordination - A notable highlight of the opinions is the establishment of a coordinated promotion mechanism among regulatory departments, which will explore a tiered premium subsidy policy to achieve precise financial support [2]. - Technology insurance services will be included in the Shanghai municipal technology innovation voucher policy to directly reduce the insurance costs for SMEs [2]. - The document also mentions the integration of resources to build a cross-departmental expert database and data-sharing mechanism [2]. Group 4: Market-Driven Mechanism - The opinions stress the decisive role of the market in resource allocation, encouraging insurance institutions to engage deeply with technology parks and incubators to match enterprise needs accurately [2]. - Support for intermediary institutions to play a professional role is also highlighted, along with the establishment of a risk diversification mechanism [2]. - The document introduces a pilot for special risk transfer tools to attract social capital for risk diversification [2]. Group 5: Regulatory Enhancements - The Shanghai regulatory authority plans to increase the scope and intensity of subsidies for technology insurance policies this year, focusing on key industries [2]. - Collaboration with key industry technology parks will be strengthened to expand the insurable risk scope of technology insurance and explore risk reduction management in the technology sector [2]. - The regulatory foundation will be solidified by improving the monitoring index system and closely monitoring emerging risks [2].