向新赛道“变轨”，科技保险加速走向台前

Core Insights - The development of technology insurance is accelerating under the dual drive of policies and industries, showcasing its important value in supporting high-level technological self-reliance and innovation [1][3] - The core value of technology insurance lies in risk dispersion and providing certainty to reduce trial-and-error costs for technology innovation [3][5] Policy and Industry Support - Official data indicates that technology insurance premium income in China grew by 30% year-on-year in the first three quarters of 2025 [3] - The Chinese government has positioned technology insurance as a foundational tool in the technology financial system, with policies aimed at creating a comprehensive insurance product and service system covering the entire lifecycle of technology enterprises [3][4] Local Initiatives - Various local governments are actively supporting the implementation of technology insurance, with Shanghai introducing an innovative "Shanghai Science Points" system for precise pricing based on innovation capabilities [4] - In Beijing, a subsidy of up to 80% on premiums for major technological equipment insurance is available, with a maximum annual subsidy of 2 million yuan per enterprise [4] Product Innovation and Market Demand - Insurance institutions are responding to policy support by innovating products and upgrading services, leading to a broadening of coverage and enhancement of protection for technology enterprises [5] - New insurance products are emerging in cutting-edge fields such as artificial intelligence and biomedicine, with several "first orders" being issued [5] Challenges and Barriers - Despite progress, challenges remain, including weak awareness of insurance among technology enterprises and a lack of customized products for emerging technologies [6][7] - The industry faces issues with product homogeneity and insufficient risk assessment capabilities, particularly in new technology sectors [7] Future Directions - To overcome development bottlenecks, technology insurance needs to enhance its capabilities in talent, technology, products, and services [7][8] - Insurance companies should develop more adaptable and customized insurance products and explore collaborative risk-sharing platforms involving government, research institutions, and enterprises [8] Role Transformation - Insurance companies are encouraged to transition from being mere risk bearers to active risk managers, providing proactive risk reduction services to empower technology innovation [9] - Establishing deep collaborative mechanisms with cybersecurity firms and technology enterprises is crucial for integrating risk management into the development and operational processes of technology companies [9]