Core Viewpoint - The development of technology insurance is essential for supporting China's technological innovation strategy, requiring both long-term investment and comprehensive risk management [1][4]. Group 1: Policy and Strategic Importance - The central financial work conference has prioritized technology finance, emphasizing the need for a robust technology insurance policy framework to support major technological breakthroughs [1][3]. - The Guangdong branch of PICC recognizes that developing technology insurance is not only a political responsibility but also a strategic choice to seize industrial transformation opportunities [1][4]. Group 2: Product Development and Innovation - PICC Guangdong has established a technology insurance center and set up branches in 12 innovation hubs, focusing on key industries such as electronic information and artificial intelligence [4]. - The company has developed a comprehensive product system combining standardized products with customized solutions to provide tailored risk protection for various stages of innovation [4][6]. Group 3: Achievements and Impact - Since the beginning of 2024, PICC Guangdong has provided risk coverage exceeding 850 billion yuan for various technology activities in the Guangdong-Hong Kong-Macao Greater Bay Area, with a growth rate of over 34% [4]. - The coverage rates for high-tech enterprises and specialized new enterprises have reached 27.93% and 40.16%, respectively, contributing to the deepening of technology finance practices in Guangdong and nationwide [4]. Group 4: Risk Management and Support Services - The company has launched the first "comprehensive insurance for pilot testing" in the province, covering risks from laboratory to pilot testing stages, including public health emergencies and policy changes [6]. - PICC Guangdong has introduced the first "low-altitude aircraft comprehensive insurance" in the country, addressing unique risks associated with new flying vehicles [5]. Group 5: Digital Transformation and Ecosystem Building - The company is embracing digital transformation by developing various risk management platforms, enhancing the technological content of its insurance services [8]. - PICC Guangdong is leading the establishment of a technology insurance service center in the Greater Bay Area, aiming to create a comprehensive service platform that integrates insurance protection, resource matching, and data sharing [10][11].
人保财险广东分公司：保险护航科技创新的湾区探索与实践