金融监管总局首席风险官向东：科技保险有望迎来历史性发展机遇

Core Insights - The development of technology insurance is crucial for accelerating high-level technological self-reliance and innovation, providing certainty in risk management and supporting enterprises in navigating economic and technological cycles [1][2] Industry Overview - Technology insurance in China has seen rapid growth, with expected coverage exceeding 9 trillion yuan for innovation activities in 2024 and insurance capital investment in tech enterprises surpassing 600 billion yuan [2][3] - In the first three quarters of this year, technology insurance premium income grew by 30%, significantly outpacing the industry average [2] Development Opportunities - The acceleration of technological breakthroughs and industrial transformation presents a historic opportunity for technology insurance, supported by substantial R&D investment projected to exceed 3.6 trillion yuan in 2024, marking a 48% increase since 2020 [3] - The integration of technology and industry innovation creates vast scenarios for technology insurance, with over 500,000 high-tech enterprises and 140,000 specialized small and medium-sized enterprises in China [3] - An improved policy environment, highlighted by the central financial work conference prioritizing technology finance, is expected to enhance the development potential of technology insurance [3] New Models and Pathways - The current stage of technology insurance in China is nascent, requiring reforms and mechanisms to enhance quality and expand coverage [4] - A multi-faceted policy system is being developed to support high-quality growth in technology insurance, with initiatives for premium subsidies and tax incentives [4] - A professional and efficient service system is essential, focusing on training talent who understand both insurance and technology, developing specialized products, and leveraging AI and big data for underwriting and claims processes [4][5] Ecosystem Development - Establishing a comprehensive ecosystem for technology insurance involves integrating data from various sectors to support actuarial pricing and creating a risk buffer zone to distribute risks among stakeholders [5] - The cultivation of third-party institutions for technology transfer, intellectual property assessment, and actuarial services is vital for balancing risk and return in the technology insurance landscape [5]