陕西金融监管局：推动陕西政策性科技保险“秦科保”落地

Core Viewpoint - The Shaanxi Financial Regulatory Bureau has launched a policy-oriented technology insurance program called "Qin Ke Bao" to support technology enterprises in the region, marking the introduction of the first inclusive technology insurance product in the country [1] Group 1: Product Offerings - Two innovative products have been introduced: "Qin Ke Pu Hui Bao" and "Qin Ke Yan Fa Bao," designed to meet the basic risk protection and research and development risk protection needs of technology enterprises [1] - "Qin Ke Pu Hui Bao" is the first fixed-amount insurance product in the country specifically targeting small and micro technology enterprises, characterized by comprehensive coverage, ease of application, and low costs [1] Group 2: Financial Support Mechanisms - A premium subsidy mechanism has been established, with subsidy funds shared between provincial and municipal levels at a ratio of 6:4, allowing the same policyholder to receive up to 1 million yuan in premium subsidies in the first year [1] - A technology insurance co-insurance body has been formed to jointly underwrite "Qin Ke Yan Fa Bao," with insurance companies covering 50% of the share [1] Group 3: Risk Management Initiatives - A risk compensation mechanism has been established to enhance underwriting enthusiasm and address the challenges of reluctance to insure [1]