网络安全保险 如何织密风险时代“安全网”

Core Insights - The article emphasizes the need for a collaborative industry ecosystem for cybersecurity insurance, highlighting that technological innovation and data sharing are foundational elements [1][6] - It discusses the launch of a new cybersecurity insurance product in Hong Kong, designed to comply with the 2025 Critical Infrastructure (Computer Systems) Ordinance [1][2] Group 1: Industry Challenges - Cybersecurity insurance is defined as a property insurance that compensates for economic losses and legal liabilities resulting from cybersecurity incidents, covering a wide range of events such as ransomware attacks and data breaches [3] - The current pilot programs in China have seen over 1,500 policies issued, with a total premium exceeding 150 million yuan and total coverage nearing 11.5 billion yuan, indicating a strong market demand [4] - Despite clear demand, the industry faces challenges such as pricing difficulties due to a lack of historical loss data and the evolving nature of cyber threats [4][5] Group 2: Solutions and Recommendations - The article suggests that enhancing cybersecurity risk quantification technology and encouraging cross-sector collaboration among insurance companies, cybersecurity firms, and research institutions is essential for developing accurate risk assessment models [1][6] - It highlights the importance of establishing clear standards and guidelines for risk assessment, as seen with the release of new standards by the Shenzhen Cybersecurity and Information Security Industry Association [6][7] - Regulatory guidance and pilot programs are seen as accelerators for the industry, with a focus on expanding coverage to small and medium-sized enterprises [7] - Continuous optimization of insurance product design is necessary, with a call for clear definitions of key terms and effective communication during underwriting [7]