陕西印发科技保险“秦科保”试点方案

Core Insights - The "Qin Ke Bao" pilot scheme aims to establish a technology insurance policy system in Shaanxi Province, supporting high-level technological self-reliance and innovation [1][2] Group 1: Pilot Scheme Overview - The pilot scheme introduces two innovative products: "Qin Ke Pu Hui Bao" and "Qin Ke Yan Fa Bao" [1] - "Qin Ke Pu Hui Bao" focuses on affordability and broad coverage, addressing risks related to R&D personnel, equipment, cybersecurity, intellectual property, and natural disasters [1] - "Qin Ke Yan Fa Bao" specifically protects against project delays and failures in technology R&D activities [1] Group 2: Financial Support and Market Development - A premium subsidy mechanism is established, offering over 70% subsidy on the first-year premium for eligible technology enterprises, reducing the financial burden on companies [1] - The pilot scheme aims to accelerate the development of the technology insurance market in Shaanxi Province [1] Group 3: Unique Features of "Qin Ke Bao" - The pilot scheme is characterized by four main features: a pioneering policy-oriented technology insurance concept, innovative product design, comprehensive coverage, and risk diversification through a provincial co-insurance body [2] - "Qin Ke Yan Fa Bao" is the first of its kind in the country, focusing on outcome-based insurance [2] - The dual approach of "high-end + inclusive" insurance products is designed to meet the diverse needs of technology enterprises [2] Group 4: Future Directions - The Provincial Financial Office plans to collaborate with relevant departments to enhance the technology financial service system, providing stronger financial support for technological innovation [2]