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][2] - The essence of technological innovation is a high-risk, high-investment, and high-return exploration process, where technology insurance plays a crucial role in reducing trial-and-error costs for enterprises [2][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 [2] - The Chinese government has positioned technology insurance as a foundational tool in the technology financial system, with policies aimed at developing a comprehensive insurance product and service system covering the entire lifecycle of technology enterprises [2][3] Local Initiatives - Various local governments are actively supporting the implementation of technology insurance, with Shanghai introducing an innovative "Shanghai Technology Points" system for precise pricing based on innovation capabilities [3] - 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 [3] Product Innovation and Market Demand - Insurance institutions are responding to policy support by innovating products and upgrading services, with a focus on matching the diverse risk needs of technology enterprises at different development stages [4] - The demand for technology insurance is driven by the deep integration of technological and industrial innovation, with over 600,000 technology and innovation SMEs cultivated in China [3][4] Challenges and Opportunities - Despite progress, challenges remain, including weak awareness of insurance among technology enterprises and a lack of customized products for emerging technologies [5][6] - The industry faces issues such as product homogeneity and insufficient risk assessment capabilities, necessitating a multi-dimensional approach to enhance both "soft power" and "hard skills" [6] Future Directions - To address emerging risks, technology insurance needs to develop more flexible and customized products, exploring collaborative risk-sharing platforms involving government, research institutions, and enterprises [7] - Insurance companies should transition from being mere risk bearers to active risk managers, creating a proactive risk reduction service system that integrates with the operational processes of technology enterprises [8]