金融监管总局首席风险官向东：正会同有关部门研究制定科技保险高质量发展指导意见

Core Viewpoint - The development of technology insurance in China is expected to experience historic opportunities due to the acceleration of a new round of technological revolution and industrial transformation [1][2] Group 1: Policy and Regulatory Framework - The Financial Regulatory Administration is collaborating with various ministries to formulate guidelines for the high-quality development of technology insurance, aiming to strengthen the coordination of policies across technology, industry, finance, and taxation [1] - Local governments are encouraged to implement supportive policies such as premium subsidies and tax incentives tailored to their specific conditions [1] Group 2: Challenges and Development Strategies - Technology insurance is characterized by high risk, low insurability, significant technical difficulty, and high professional thresholds compared to traditional insurance [2] - Four key areas for improvement have been identified: 1. Cultivating a talent pool that understands both insurance and technology 2. Developing a specialized product system to support major technological breakthroughs and protect small and medium-sized innovative enterprises 3. Enhancing service efficiency through the application of AI and big data in underwriting, claims, and risk control 4. Supporting market-oriented participation in venture capital and advancing pilot reforms for long-term investment of insurance funds [2] Group 3: Ecosystem Development - Emphasis on building a comprehensive ecosystem by integrating data from government, research, industry, and insurance sectors to support actuarial pricing [2] - Establishing a risk buffer zone and a multi-entity risk dispersion mechanism involving governments, technology companies, and insurance institutions [2] - Strengthening auxiliary support by fostering technology transfer, intellectual property assessment, and actuarial services from third-party institutions while balancing risk and return [2]