稿源：长沙晚报 2026-01-07 08:27 以提案之力聚发展之智 以实干担当赴时代征程 陈昌佳在长沙市政协十三届五次会议上作提案工作情况报告 长沙晚报1月6日讯（全媒体记者 田也）1月6日上午，在中国人民政治协商会议长沙市第十三届委员会 第五次会议上，市政协副主席陈昌佳受政协长沙市第十三届委员会常务委员会委托，向大会报告长沙市 政协十三届四次会议以来的提案工作。 一年来，市政协常委会坚持以习近平新时代中国特色社会主义思想为指导，深入学习贯彻中共二十大和 二十届历次全会精神，全面落实习近平总书记关于加强和改进人民政协工作的重要思想，以及对政协提 案工作的指示要求，紧扣中心大局，精准建言资政。四次会议以来，共征集提案499件，审查立案425 件。截至2025年11月底，所有立案提案均已办结答复，一件件高质量提案，转化为推动发展、惠及民生 的有效举措，为推进中国式现代化长沙实践贡献了政协智慧、凝聚了委员力量。 紧扣发展大局，精准建言赋能现代化长沙建设 委员们胸怀"国之大者"、聚焦"省会要事"，围绕长沙高质量发展与现代化建设，提出提案184件，立案 166件。 聚焦构建现代化产业体系，建议打造人工智能应用之城、 ...

根据《试点方案》，"秦科保"创新推出"秦科普惠保""秦科研发保"两项产品。"秦科普惠保"突出低 价格、广覆盖的普惠特性，保险责任覆盖研发人员、设备财产、网络安全、知识产权、自然灾害等方面 风险；"秦科研发保"重点保障科技研发活动面临的项目延期和项目失败风险。另外，《试点方案》针 对"秦科保"建立保费补贴机制，对符合条件的科技企业首年保费补贴超70%，有效减轻企业投保压力， 加速培育科技保险市场。 2025年12月31日，省委金融办会同省科技厅、省工信厅、省财政厅、省知识产权局等部门印发《陕 西省科技保险"秦科保"试点方案》，探索构建与陕西科技创新相适应的科技保险政策体系，充分发挥保 险在支持高水平科技自立自强上的基础保障作用。 从整体看，与目前市场上同类科技保险产品相比，"秦科保"试点具有四大特点：一是理念先行，在 全国率先提出政策性科技保险理念，统筹发挥有为政府与有效市场作用，突出保险行业功能性；二是产 品创新，突破传统的设计思路，以结果为导向在全国首创推出"秦科研发保"；三是保障全面，推出全国 首个"高端+普惠"双轮驱动的科技保险产品组合，精准匹配各类科技企业投保需求；四是风险分散，组 建全国第三个省级科 ...

Core Insights - The article emphasizes the importance of regulatory measures in the insurance industry, focusing on compliance, product innovation, and market adaptation to enhance consumer protection and industry stability. Regulatory Measures - The integration of insurance and banking is a key regulatory policy aimed at standardizing rates and managing costs, which is essential for curbing irrational competition in the market [1] - Compliance supervision has intensified, as evidenced by penalties against executives and companies like Evergrande Life, highlighting the regulatory authority's commitment to industry health [1] - The classification and tiered regulation optimize supervisory authority allocation, improving precision and efficiency in line with the diverse development of industry institutions [1] Product Innovation - Participating insurance products have become mainstream, with new policies accounting for over 40% of the market, reflecting consumer demand for wealth accumulation [1] - Health insurance is supported by policies that expand coverage, with the introduction of innovative drug lists, serving as a crucial growth engine for the industry [1] - Long-term care insurance has been fully implemented, covering 190 million people, addressing the long-term care protection gap and enhancing the multi-tiered social security system [1] Market Adaptation - Premiums for new energy vehicle insurance have increased by 41.44% year-on-year, indicating a shift towards independent operating models that align with the development of the new energy vehicle industry [1] - The insurance sector is responding to the aging population trend by strategically positioning itself in retirement finance, including profitable senior living communities with occupancy rates exceeding 80% [1] - Inclusive insurance products, such as home and education insurance, are expanding to cover broader demographics, reflecting the industry's social responsibility [1] Technological Integration - The integration of AI in insurance processes enhances underwriting, claims, and service delivery, driving the industry's digital and intelligent transformation [1] - Data security insurance is becoming increasingly relevant due to rising risks of data breaches and cyberattacks, with policies tailored to meet these emerging needs [2] Risk Management - The solvency ratio remains a core indicator for risk management in insurance companies, with ongoing regulatory assessments reinforcing the industry's ability to withstand risks [1] - Catastrophe insurance is being developed to address risks from natural disasters, filling gaps in traditional insurance coverage through a combination of policy guidance and market operations [2] Cross-Border Opportunities - International insurers like AIA and Allianz are increasing their presence in the Chinese market, showcasing the industry's openness and enhancing market supply through innovative cross-border medical insurance [2]

北京商报讯(记者李秀梅)12月18日，四川省人民政府办公厅印发《促进全社会加大研发投入工作方 案》，其中提到，推动实施"天府科创保"，鼓励保险机构为科技型企业、高能级创新平台等开展核心技 术攻关、科技成果转化等开发科技保险产品。 ...

12月18日金融一线消息，四川省人民政府办公厅印发《促进全社会加大研发投入工作方案》，其中提 出，加大金融支持科技创新力度。优化国有创新投资基金考核机制，政府引导基金和国资基金投资损失 容忍率最高60%，对于投资种子期企业或未来产业的基金可进一步提高到80%，单个企业（项目）最高 允许100%亏损。引导和支持股权投资机构加大对成果转化项目和科技型企业的投资力度，鼓励有条件 的市（州）按经济贡献给予一定比例的奖励。完善上市企业后备资源库，企业所在地要"一企一策"支持 企业开展股份制改造、债券融资、并购重组，推动更多企业上市融资。用好用足科技创新和技术改造再 贷款，推动创新积分制与专项担保计划联动，支持科技型中小企业获得银行贷款。推动实施"天府科创 保"，鼓励保险机构为科技型企业、高能级创新平台等开展核心技术攻关、科技成果转化等开发科技保 险产品。积极稳妥开展科技企业并购贷款试点、知识产权金融生态综合试点、金融资产投资公司股权改 革试点。 12月18日金融一线消息，四川省人民政府办公厅印发《促进全社会加大研发投入工作方案》，其中提 出，加大金融支持科技创新力度。优化国有创新投资基金考核机制，政府引导基金和国资基金 ...

科技赋能同样蹄疾步稳。依托雄安"云上之城"战略，公司为被誉为"雄安之眼"的城市计算中心出具"算 链保2.0"系统内首单；服务低空经济发展，为雄安智航公司签发全国首批"空链保"保单，并开发完成全 国首个低空无人机机载监测设备损失补偿保险产品。在科研端，分公司打造"投保贷"综合金融服务模 式，为"算力智能调度运营中台关键技术研发"等项目提供研发费用保障，并联合中国银行落地全国首批 概念验证保险，支持妙心生物科技公司开展AI靶点蛋白诊断技术攻关。"科研充满不确定性，但人保的 保险让我们敢投入、敢试错。"企业负责人表示。 据悉，人保财险雄安分公司自2021年成立以来，在服务绿色与科技方面，成果尤为亮眼：落地京津冀首 单专利海外布局费用损失保险、全国首单知识产权海外被侵权损失保险，护航企业"走出去"；签发全国 首单无人驾驶汽车综合保险及河北省首个数字人民币支付保单，助力数字化建设。 我们人保财险雄安分公司就是要当好经济'减震器'和社会'稳定器'，让科技与绿色在这座未来之城深度 融合、交相辉映。"分公司负责人表示，下一步将紧扣二十届四中全会精神，深化绿色保险机制创新， 拓展科技保险服务场景，推动保险功能从"事后补偿"向" ...

Core Viewpoint - The development of technology insurance is essential for supporting China's technological innovation strategy, requiring both long-term investment and comprehensive risk management [1][4]. Group 1: Policy and Strategic Importance - The central financial work conference has prioritized technology finance, emphasizing the need for a robust technology insurance policy framework to support major technological breakthroughs [1][3]. - The Guangdong branch of PICC recognizes that developing technology insurance is not only a political responsibility but also a strategic choice to seize industrial transformation opportunities [1][4]. Group 2: Product Development and Innovation - PICC Guangdong has established a technology insurance center and set up branches in 12 innovation hubs, focusing on key industries such as electronic information and artificial intelligence [4]. - The company has developed a comprehensive product system combining standardized products with customized solutions to provide tailored risk protection for various stages of innovation [4][6]. Group 3: Achievements and Impact - Since the beginning of 2024, PICC Guangdong has provided risk coverage exceeding 850 billion yuan for various technology activities in the Guangdong-Hong Kong-Macao Greater Bay Area, with a growth rate of over 34% [4]. - The coverage rates for high-tech enterprises and specialized new enterprises have reached 27.93% and 40.16%, respectively, contributing to the deepening of technology finance practices in Guangdong and nationwide [4]. Group 4: Risk Management and Support Services - The company has launched the first "comprehensive insurance for pilot testing" in the province, covering risks from laboratory to pilot testing stages, including public health emergencies and policy changes [6]. - PICC Guangdong has introduced the first "low-altitude aircraft comprehensive insurance" in the country, addressing unique risks associated with new flying vehicles [5]. Group 5: Digital Transformation and Ecosystem Building - The company is embracing digital transformation by developing various risk management platforms, enhancing the technological content of its insurance services [8]. - PICC Guangdong is leading the establishment of a technology insurance service center in the Greater Bay Area, aiming to create a comprehensive service platform that integrates insurance protection, resource matching, and data sharing [10][11].

Core Insights - The "2025 Digital Finance and Technology Finance Conference" was held in Beijing on December 4, focusing on building a new digital financial ecosystem and outlining the "14th Five-Year Plan" [1][4] - Zhou Yanli emphasized that China ranks first globally in green credit and second in the green bond market, indicating a future path for the financial and insurance industries that is intelligent, green, and technological [3][6] Digital and Technological Finance - The "14th Five-Year Plan" highlights the need to accelerate the construction of a strong financial nation, with a core focus on developing digital finance and technology finance [3][6] - The integration of digital finance and technology finance is essential for future growth, where technology finance provides risk coverage and digital finance offers operational methods [3][6] Insurance Sector Development - From an insurance perspective, digital insurance and technology insurance are emerging as complementary solutions, with technology insurance offering risk coverage and digital finance providing digital guarantees to address various risk issues [3][6] - This integration aims to enhance the insurance sector's ability to serve the real economy and improve people's livelihoods [3][6]

近年来，随着新质生产力加速成长、关键核心技术攻关进入深水区，科技创新对稳定性、连续性和抗风 险能力的需求不断提升，保险业围绕科研、成果转化和产业化推广构建起一体化服务体系，在降低创新 成本、提升试错能力、促进成果落地方面发挥了关键支撑作用，为新质生产力发展提供了更加坚实的保 障。 服务范围加速拓展 科技保险的兴起与科技创新和现代化产业体系建设同频共振。"十五五"规划建议将"科技自立自强水平 大幅提高"列为"十五五"时期经济社会发展的主要目标之一。科技金融位列金融"五篇大文章"之首，科 技保险也逐渐成为科技金融体系的重要组成部分。 从国家层面看，科技保险已不再被视为行业内部的增长点，而是被定位为科技金融体系的基础保障工 具，服务范围从传统产业拓展至人工智能、半导体、生物医药、先进材料、新能源等关键领域，政策信 号持续强化，引导科技保险功能从"风险补偿"向"能力支撑"加快延伸。 正如国家金融监督管理总局首席风险官向东所言，科技创新与科技保险不是两条平行线，而是"不确定 性探索与确定性保障的辩证统一"。随着科技创新深入，风险分散机制的重要性同步提升。 近日，中国保险行业协会正式发布《中国保险业社会责任报告（2024 ...

Group 1 - The 19th Shenzhen International Financial Expo attracted 47,400 professional visitors from 25 countries and regions, marking a 58% increase in attendance compared to the previous year [1] - A total of 288 institutions participated in the expo, representing an 80% year-on-year growth, including major financial institutions such as China Bank, Agricultural Bank, and various foreign banks [2] - The expo featured over 50 thematic events and 33 investment and financing project roadshows, with a total intended investment amount reaching 1.055 billion yuan [4] Group 2 - More than 30 fintech companies showcased their innovations, with notable participants including WeBank and Huawei, which highlighted core system transformations and AI developments [3] - The expo introduced a government-guided fund exhibition area for the first time, showcasing 29 star enterprises and integrating various industry funds and associations [4] - The event served as a platform for the release of 18 significant industry policies and products, covering areas such as cross-border finance and green bonds [4]