从“散点创新”迈向“体系搭建” 政企险联手畅通科技企业保障路径

Group 1 - The core viewpoint of the article is that the insurance coverage for technology companies is gradually improving through three main approaches: collaboration with insurance companies to develop customized insurance products, finding suitable products within regulatory frameworks, and utilizing government subsidies for insurance premiums [2][3][9] - Technology companies are increasingly able to secure insurance coverage, alleviating previous difficulties in finding appropriate products due to high risks or costs [2][3] - The collaboration between technology companies and insurance providers is becoming a significant pathway for obtaining insurance, as seen in the case of Huadian Gongxian and Jimei University, which developed a specialized insurance product for research and development expenses [5][6] Group 2 - Local financial regulatory bodies are taking the lead in building a technology insurance product system to address the uncertainties faced by technology companies [7][8] - The Shanghai financial regulatory bureau has established a comprehensive technology insurance product system, which includes a risk protection mechanism for the biopharmaceutical industry, resulting in significant insurance coverage and premium income [7][8] - Government subsidies for technology insurance premiums are being implemented in various regions to reduce the financial burden on small and medium-sized technology enterprises, thereby encouraging them to obtain insurance [9][10]