梁涛：努力提升保险服务现代化产业体系建设和新质生产力发展的能力

Core Viewpoint - The insurance industry must innovate products and utilize funds to support the construction of a modern industrial system and the development of new productive forces, facilitating the efficient transformation of technological achievements into real productivity [3][5][16]. Group 1: Current Status of Technology Insurance - As of 2024, technology insurance in China is expected to provide over 90 trillion yuan in insurance coverage for technological innovation activities, with insurance companies investing over 600 billion yuan in technology enterprises [3][5][16]. - The technology insurance system has developed 30 types of products covering various stages of technology enterprises, from research and development to market expansion, although its premium scale remains relatively small compared to traditional property insurance [5][18]. Group 2: Complexity of Technology Insurance - The insurance industry faces challenges in developing technology insurance products due to the unique and complex nature of high-tech enterprises, which often lack historical data for accurate risk assessment and pricing [6][19]. - Different technology sectors, such as biomedicine and artificial intelligence, have varying risk structures, complicating the pricing and assessment of insurance products [6][19]. Group 3: Enhancing Service Capabilities - The insurance industry must improve its infrastructure to address high-risk areas by leveraging data and technology, creating a risk assessment system for technology enterprises [7][20]. - Utilizing blockchain technology can enhance the evaluation of intellectual property and provide authoritative data for insurance claims [8][21]. Group 4: Providing Comprehensive Risk Coverage - Insurance institutions should focus on the entire lifecycle of technology enterprises, offering tailored insurance products for different stages, including research, transformation, and industrialization [9][22]. - A layered and categorized insurance system is necessary to address the specific risks faced by technology enterprises at various stages of development [9][22]. Group 5: Role of Patient Capital - Insurance funds, characterized by their long-term and stable nature, can provide essential capital support for technology innovation, particularly for startups and growing enterprises [10][23]. - Establishing specialized investment funds and engaging in venture capital can help alleviate funding bottlenecks for technology enterprises [10][23]. Group 6: Development of Green Insurance - The insurance industry is encouraged to develop green insurance products to support the transition to a low-carbon economy, aligning with national goals for carbon neutrality [11][24]. - Insurance products related to environmental pollution and renewable energy should be expanded to meet the growing market demand for diverse financial products [11][24]. Group 7: Data Asset and Cybersecurity Insurance - The rise of digitalization necessitates the development of insurance products that protect against data breaches and cyber threats, ensuring the security of data transactions [12][25]. - Insurance companies should integrate risk assessment and response measures into their offerings to enhance data security for enterprises and individuals [12][25]. Group 8: Modern Industrial System and New Productive Forces - Building a modern industrial system and developing new productive forces are key tasks for achieving national goals, requiring the insurance industry to adapt its mechanisms to meet evolving demands [13][26].