三部门出台银行业保险业支持科创“施工图”

Core Viewpoint - The implementation plan aims to enhance the financial support for technological innovation by increasing credit loans for tech enterprises and reforming insurance investment practices to promote high-quality development in the financial sector [1][2][3]. Group 1: Financial Support Measures - The plan emphasizes increasing credit loans for technology-oriented enterprises, including flexible interest rate settings and repayment methods [1][3]. - It encourages the establishment of private equity funds by insurance companies to invest in the stock market and hold investments long-term [1][3]. - Financial institutions are urged to enhance support for major national technology projects and small to medium-sized tech enterprises [2][3]. Group 2: Financial Product Development - There is a focus on expanding the technology credit loan offerings, with provisions for extending loan terms up to five years for businesses with longer cash flow recovery cycles [3]. - The plan promotes the development of insurance products that cover the entire process of technological innovation, including health management and occupational liability [3]. - It encourages collaboration between banks and investment institutions to develop combined loan and direct investment products [3]. Group 3: Professional Capability Enhancement - Financial institutions are encouraged to develop digital tools to improve enterprise identification and risk management [4]. - The establishment of a risk-sharing mechanism for technology insurance is highlighted, including the formation of co-insurance bodies [4]. - The plan calls for improved information infrastructure to support technology credit assessments and insurance pricing [4].