向新赛道“变轨” 科技保险加速走向台前

Core Viewpoint - 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]. Group 1: Industry Growth and Policy Support - Technology insurance is increasingly recognized as a foundational tool in the technology financial system, with a reported 30% year-on-year growth in premium income for the first three quarters of 2025 [2]. - The Chinese government has issued policies to enhance the insurance product and service system covering the entire lifecycle of technology enterprises, aiming for expansion, quality improvement, and efficiency enhancement in technology insurance over the next five years [2][3]. Group 2: Local Initiatives and Innovations - Various local governments are actively supporting the implementation of technology insurance, with Shanghai introducing a unique "Shanghai Science Points" system for precise pricing based on innovation capabilities [3]. - New products such as "Qin Science Insurance" in Shaanxi and premium subsidies for major technological equipment in Beijing are examples of localized efforts to enhance technology insurance offerings [3][4]. Group 3: Challenges and Market Demand - Despite advancements, there are challenges such as weak awareness of insurance among technology enterprises, which often prioritize financing over risk management [5]. - The supply side faces issues like product homogeneity and insufficient customized offerings for emerging technologies, indicating a misalignment between service capabilities and market needs [6]. Group 4: Future Directions and Innovations - To overcome development bottlenecks, technology insurance must enhance its capabilities across multiple dimensions, including talent development, technology investment, and product innovation [6][7]. - The industry is encouraged to create more adaptable and customized insurance products while exploring collaborative risk-sharing platforms involving government, research institutions, and enterprises [7][8]. Group 5: Transitioning Roles in Risk Management - Insurance companies are urged to shift from being mere risk bearers to proactive risk managers, integrating risk reduction services into their offerings [8]. - Establishing deep collaborative mechanisms with cybersecurity firms and technology enterprises is essential for real-time risk monitoring and embedding risk prevention measures into operational processes [8].