金融监管总局向东：正研究制定科技保险高质量发展指导意见

Core Insights - The core viewpoint of the articles highlights the rapid growth of technology insurance in China, with a 30% year-on-year increase in premium income in the first three quarters of the year, significantly surpassing the industry average [1][2] Group 1: Industry Growth and Development - In the first three quarters of this year, technology insurance premium income increased by 30% year-on-year, which is much higher than the industry average [1] - By 2024, technology insurance is expected to provide over 9 trillion yuan in coverage for technological innovation activities, with insurance funds investing over 600 billion yuan in technology enterprises [1] - The current development of technology insurance in China is still in its early stages, requiring reforms and improvements in mechanisms to enhance quality and expand coverage [1] Group 2: Policy and Structural Recommendations - The National Financial Regulatory Administration is collaborating with various ministries to formulate guidelines for the high-quality development of technology insurance, emphasizing the need for coordinated policies across technology, industry, finance, and taxation [1] - There is a call to cultivate a talent pool that understands both insurance and technology, and to develop a professional product system to support major technological breakthroughs and protect small and medium-sized innovative enterprises [2] - The establishment of a comprehensive ecosystem is necessary, which includes building an insurance data platform to integrate data from government, research, industry, and insurance sectors for better actuarial pricing [2]