广东发布指导意见，探索智能驾驶责任保险

Core Viewpoint - The Guangdong Financial Regulatory Bureau has issued guidelines to support the high-quality development of the insurance industry, aiming to enhance its role in economic security and social stability while promoting the province's financial strength [1][4]. Group 1: Insurance Industry Development - The guidelines emphasize the transition of the insurance industry from merely pursuing business scale to focusing on risk protection, stability of expectations, and institutional support [1]. - Guangdong's financial sector has shown robust growth, with the total assets of the banking and insurance industries exceeding 44 trillion yuan, accounting for 8.78% of the national total, with an annual growth rate of over 8% [1]. Group 2: Technological Innovation Support - A comprehensive technology insurance system will be established, focusing on key areas such as R&D losses, equipment losses, patent protection, and cybersecurity [2]. - The guidelines support insurance for major technological equipment and new materials, as well as expanding insurance products in the biomedicine sector, covering risks from R&D to international expansion [2]. Group 3: Investment Strategies - The guidelines highlight the long-term investment advantages of insurance funds, encouraging insurance companies to establish private equity funds in Guangdong and invest in sectors like integrated circuits, AI, low-altitude economy, and biomedicine [3]. - A mechanism for regular investment and financing connections for insurance funds entering Guangdong will be established to support key projects and technological innovations [3]. Group 4: Regional Financial Integration - The guidelines promote the participation of qualified Hong Kong and Macau insurance institutions in Guangdong's insurance market, facilitating product pricing alignment and developing insurance products tailored to the Guangdong-Hong Kong-Macau Greater Bay Area [3]. - The advancement of the "cross-border insurance" initiative will explore new pathways for high-level openness in the national insurance industry, contributing to the establishment of a financial ecosystem aligned with international standards in the Greater Bay Area [4].