金融监管总局向东：前三季度科技保险保费收入同比增长30%

Core Viewpoint - The development of technology insurance is crucial for achieving the goal of technological self-reliance and strength during the 14th Five-Year Plan period, with financial support being essential [1][2]. Group 1: Importance of Technology Insurance - Technology insurance is necessary for accelerating high-level technological self-reliance, as it provides certainty and risk dispersion, allowing enterprises to focus on technological breakthroughs and value creation [1]. - The development of technology insurance is an inherent need for the transformation of the insurance industry, as technological innovation reshapes industry dynamics and raises demands for business models and service capabilities [1]. Group 2: Current Development and Opportunities - In 2024, technology insurance is expected to provide over 9 trillion yuan in coverage for technological innovation activities, with insurance capital investing over 600 billion yuan in technology enterprises [2]. - The insurance premium income for technology insurance has increased by 30% year-on-year in the first three quarters of this year, significantly surpassing the industry average [2]. - Three major opportunities for technology insurance include the rapid emergence of technological achievements, large-scale market support for industrial innovation, and an increasingly optimized policy environment [2]. Group 3: Practical Pathways for Development - To enhance technology insurance, it is essential to deepen reforms and improve mechanisms, focusing on effective market and proactive government collaboration [2]. - A multi-party collaborative policy system is needed, with the financial regulatory authority working with various ministries to develop high-quality development guidelines for technology insurance [2]. - A professional and efficient service system must be established, emphasizing the cultivation of talent that understands both insurance and technology, and the development of specialized product systems to support major technological breakthroughs [3]. Group 4: Building an Ecosystem - A comprehensive ecosystem for technology insurance should be created, including the establishment of data platforms to integrate resources from government, research, industry, and insurance sectors [3]. - A risk buffer zone should be established to coordinate resources and create a multi-entity risk dispersion mechanism involving governments, technology enterprises, and insurance institutions [3]. - Support for the transformation of technological achievements and the establishment of third-party institutions for intellectual property assessment and insurance actuarial services is crucial [3].