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护航科技创新 金融活水为专精特新企业破除发展焦虑
Zhong Guo Zheng Quan Bao· 2025-10-09 23:29
护航科技创新,金融机构一直在路上。近日,中国证券报记者走进多家专精特新公司和中国太保 (601601)产险苏州分公司,调研保险力量如何支持新质生产力发展。 走进苏州工业园区播禾创新中心,这里是江苏省首批标杆孵化器,致力于成为中国首家信息科技(IT) 及生物科技(BT)交叉融合的创新孵化中心。在该中心,中国证券报记者看到,已有多家生物医药企 业入驻,同时,中国太保产险苏州分公司也在此设有经营机构。 中国证券报记者在采访中获悉,近年来,保险业已开发覆盖科技企业全生命周期的保险产品和服务体 系,创新产品不断落地,科技保险保障范围和精准度进一步得到拓展与提升。在科技保险的保障之下, 专精特新企业在产业发展、成果转化上明显加速。 生物医药产业是一个典型的高投入、长周期行业。研发新药需要巨额资金投入,研发周期长达10年以 上,且新药上市前需历经复杂漫长的临床试验,时间与资金投入占新药研发总投入的比重较大。 ● 本报记者 黄一灵 提供风险保障 业内人士认为,知识产权是专精特新企业的核心资产,知识产权保险则是专精特新企业的坚固后盾,破 解了其创新发展的焦虑,"保"住了创新成果,"护"住了技术命脉。 "作为一家科技型中小企业, ...
金融活水为专精特新企业破除发展焦虑
Zhong Guo Zheng Quan Bao· 2025-10-09 20:53
● 本报记者 黄一灵 提供风险保障 走进苏州工业园区播禾创新中心,这里是江苏省首批标杆孵化器,致力于成为中国首家信息科技(IT) 及生物科技(BT)交叉融合的创新孵化中心。在该中心,中国证券报记者看到,已有多家生物医药企 业入驻,同时,中国太保产险苏州分公司也在此设有经营机构。 生物医药产业是一个典型的高投入、长周期行业。研发新药需要巨额资金投入,研发周期长达10年以 上,且新药上市前需历经复杂漫长的临床试验,时间与资金投入占新药研发总投入的比重较大。 为增强市场信心、推动医疗科研有序开展,临床试验责任保险应运而生。此类保险保什么?如何促进医 药产业创新发展?中国太保产险苏州分公司相关负责人介绍,临床试验中,一旦发生因使用试验用药品 引发不良反应,导致受试者人身伤亡或出现财产损失,保险公司将按合同约定进行赔付。该保险不仅保 障了受试者的权益,还减轻了研发机构的经济负担。 护航科技创新,金融机构一直在路上。近日,中国证券报记者走进多家专精特新公司和中国太保产险苏 州分公司,调研保险力量如何支持新质生产力发展。 中国证券报记者在采访中获悉,近年来,保险业已开发覆盖科技企业全生命周期的保险产品和服务体 系,创新产品 ...
人保财险落地首批概念验证与小试保险和中试验证保险
Xin Hua She· 2025-10-03 03:47
记者从人保财险获悉,近日,人保财险成功签发首批概念验证与小试保险和中试验证保险,为8家科技 企业及科研机构的关键研发项目提供了风险保障。此次首批承保的项目位于雄安新区、江苏、安徽、湖 北、辽宁等地,覆盖AI诊断、医疗健康、精细化工、光学材料、船舶工程、医药加工等多个领域。据 介绍,针对概念验证、小试、中试等环节的难点和痛点,人保财险创新推出概念验证与小试保险和中试 验证保险,突破传统科技保险局限,覆盖外部环境变化带来的不确定性、研发实操中可能遇到的多类问 题,帮助科技企业和机构缓解"怕出错、怕卡壳"的顾虑,帮助其敢于聚焦核心技术攻关,安心投入创新 研发。人保财险表示,目前,该公司已初步构建覆盖科技研发、成果转化、应用推广的科技活动全生命 周期产品体系,在航空航天、新能源、生物医药等细分行业领域形成专属风险解决方案。此次两个新产 品的推出,进一步补全了科技创新早期阶段的保障链条,让科技成果从验证早期就获得持续的风险保 障。(记者张千千) ...
一周保险速览(8.29—9.5)
Cai Jing Wang· 2025-09-05 08:46
Regulatory Voice - The State Council issued an opinion on September 4 to guide insurance institutions in developing insurance products for sports events and sports injuries [1] Industry Focus - On September 4, the China Insurance Industry Association released the first set of comprehensive insurance demonstration clauses and supporting underwriting and claims service guidelines for major technical equipment and new materials, marking a significant step in advancing technology insurance and supporting the national manufacturing strategy [1] - Five major A-share listed insurance companies, including China Ping An, China Life, China Pacific Insurance, China People’s Insurance, and New China Life, reported a total revenue of 1,333.86 billion yuan for the first half of 2025, a year-on-year increase of 4.89%, and a net profit attributable to shareholders of 178.19 billion yuan, up 3.72%. Despite revenue growth, net profit showed a mixed performance with four companies increasing and one decreasing. All five companies plan to steadily increase equity asset allocation, focusing on high-dividend value stocks and growth sectors to enhance long-term returns and smooth earnings [1] Financial Personnel - Bai Kai is proposed to be appointed as the Deputy General Manager of China Taiping Insurance Holdings, having previously served as Vice President of China Life Insurance [2] Leadership Changes - China Reinsurance Group announced a leadership change with Zhuang Qianzhi, the former Vice Secretary of the Party Committee and President, set to take over as Party Secretary and proposed Chairman, pending governance and regulatory approval [3] - Li Shihong has been approved to serve as the Chairman of Guobao Life Insurance, as confirmed by the Sichuan Financial Regulatory Bureau on September 1 [4]
中国保险行业协会发布首台(套)首批次 综合保险示范条款及配套的承保理赔服务指引
Jin Rong Shi Bao· 2025-09-05 03:18
Core Viewpoint - The release of the first comprehensive insurance demonstration clauses for major technical equipment and new materials by the China Insurance Industry Association is a significant step towards enhancing the insurance policy framework to support the national strategy for manufacturing strength [1][2]. Group 1: Insurance Demonstration Clauses - The first comprehensive insurance demonstration clauses for major technical equipment include five main insurance clauses: liability insurance, quality assurance insurance, installation testing liability insurance, domestic transportation insurance, and quality assurance insurance [1]. - The first batch of demonstration clauses for new materials includes three main insurance clauses: liability insurance, quality assurance insurance, and domestic transportation insurance [1]. - The accompanying service guidelines include trial versions for underwriting and claims services, allowing production enterprises to negotiate insurance types and rates based on risk characteristics such as technology maturity and historical claims levels [1][2]. Group 2: Impact on the Insurance Industry - The release of these demonstration clauses and service guidelines reflects the insurance industry's commitment to supporting the technological advancement of the country by addressing the risk protection needs of production enterprises during the promotion and application of major technical equipment and new materials [2]. - The revision expands the insurance coverage and enhances the level of protection, addressing risks during three stages for major technical equipment and two stages for new materials, including transportation and acceptance delivery [2]. - The service guidelines establish clear self-regulatory requirements for all business processes related to the first batch of insurance services, which is crucial for standardizing operations and improving service quality [2].
普京称将回应中国对俄试行免签;特朗普签署行政命令,正式实施美日贸易协议;“苏超”要改名?江苏足协回应|早报
Di Yi Cai Jing· 2025-09-05 00:24
Group 1 - Russian President Putin expressed gratitude towards China for implementing a visa-free policy for Russian citizens and indicated that Russia will respond accordingly [2] - The U.S. President Trump signed an executive order to officially implement the U.S.-Japan trade agreement, imposing a 15% baseline tariff on nearly all Japanese imports [3] - The Chinese government aims to cultivate a number of world-influential sports enterprises and events by 2030, with the sports industry expected to exceed 7 trillion yuan in total scale [4] Group 2 - The Ministry of Industry and Information Technology and the State Administration for Market Regulation released a plan for stable growth in the electronic information manufacturing industry, targeting an average growth rate of around 7% for major sectors [5] - Local governments issued approximately 7.7 trillion yuan in bonds in the first eight months of the year, with 62% of the funds used for repaying old debts [8] - The China Logistics and Purchasing Federation reported that the commodity price index rose for the fourth consecutive month, indicating stable growth in the commodity market [9] Group 3 - The Beijing Madame Tussauds wax museum announced its permanent closure starting October 1, with most wax figures being relocated to other locations [10] - The Sichuan Provincial Health Commission clarified that non-marital children can apply for childcare subsidies, which will be reviewed based on the best interests of the child [11] - A research team from the Dalian Institute of Chemical Physics achieved a breakthrough in photocatalytic hydrogen splitting at room temperature [12] Group 4 - OpenAI plans to launch an AI-driven recruitment platform next year, aiming to connect employers with job seekers possessing AI skills [22] - The U.S. stock market saw significant gains, with the S&P 500 index reaching a record closing high [23] - Institutions showed net buying in 16 stocks, with Tianfu Communication leading the net purchases at approximately 622.84 million yuan [24]
首台(套)首批次综合保险示范条款及服务指引出炉
Guo Ji Jin Rong Bao· 2025-09-04 12:30
Core Viewpoint - The China Insurance Industry Association has released trial versions of comprehensive insurance demonstration clauses for major technological equipment and new materials, along with accompanying underwriting and claims service guidelines, to enhance the insurance policy framework and support the national strategy for manufacturing strength [1][2]. Group 1: Insurance Demonstration Clauses - The released demonstration clauses include five main insurance clauses for major technological equipment, such as liability insurance and quality assurance insurance, and three main insurance clauses for new materials, including liability insurance and domestic transportation insurance [1]. - The service guidelines consist of trial versions for underwriting and claims services, allowing production enterprises to negotiate insurance types and rates based on risk characteristics like technological maturity and historical claims levels [1]. Group 2: Industry Responsibilities and Impact - The initiative reflects the insurance industry's commitment to supporting the technology-driven national strategy, particularly in high-end equipment manufacturing and new materials, which are crucial for enhancing the resilience and safety of industrial supply chains [1]. - The demonstration clauses and service guidelines aim to address the primary risk protection needs of production enterprises during the promotion and application of major technological equipment and new materials, thereby overcoming initial market trust issues [1]. Group 3: Expanded Coverage and Standards - The revised insurance coverage now includes risks associated with the transportation, installation, testing, and acceptance phases for both major technological equipment and new materials, significantly enhancing the level of protection [2]. - The introduction of service guidelines fills a gap in the industry by providing unified operational standards for risk assessment, underwriting, premium payment, claims reporting, and management, which is essential for improving service quality [2]. Group 4: Future Directions - The insurance industry aims to enhance its risk management and product innovation capabilities in serving technological innovation, with plans to deepen the implementation of demonstration clauses and service guidelines to support high-quality development [3].
保险业协会发布首台(套)首批次综合保险示范条款及配套承保理赔服务指引
Bei Jing Shang Bao· 2025-09-04 10:29
Core Viewpoint - The China Insurance Industry Association has released trial versions of comprehensive insurance demonstration clauses for major technological equipment and new materials, along with accompanying underwriting and claims service guidelines, to support the national strategy for manufacturing and technological innovation [1][2]. Group 1: Insurance Demonstration Clauses - The released demonstration clauses include five main insurance clauses for major technological equipment, such as liability insurance and domestic transportation insurance, and three main clauses for new materials, including liability insurance and quality assurance insurance [1][2]. - The service guidelines consist of trial versions for underwriting and claims services, allowing production enterprises to negotiate insurance types and rates based on risk characteristics like technological maturity and historical claims levels [1][3]. Group 2: Industry Impact and Responsibilities - The revision of these clauses is a significant step for the insurance industry to support the real economy and the application of technological achievements, reflecting the industry's responsibility in promoting a strong technological nation [2][3]. - The insurance coverage has been expanded to include risks during the transportation, installation, testing, and acceptance phases, addressing the actual needs of technology enterprises and enhancing the overall level of protection [3]. Group 3: Standardization and Future Directions - The introduction of service guidelines fills a gap in the lack of unified industry practices, providing clear self-regulatory requirements for all business processes related to the first set of insurance [3]. - The insurance industry aims to enhance risk management and product innovation capabilities in the field of technological innovation, promoting the implementation of demonstration clauses and service guidelines to support high-quality development [4].
保险业协会发布首台(套)首批次综合保险示范条款及承保理赔服务指引
Zheng Quan Shi Bao Wang· 2025-09-04 09:44
Core Viewpoint - The China Insurance Industry Association has released the first batch of comprehensive insurance demonstration clauses and underwriting and claims service guidelines for major technological equipment and new materials, marking a significant step in promoting technology insurance and supporting the national manufacturing strategy [1] Group 1: Insurance Clauses - The first batch of comprehensive insurance demonstration clauses for major technological equipment includes five main insurance clauses: liability insurance for the first set of major technological equipment, quality assurance insurance, liability insurance during installation and testing, quality assurance insurance, and domestic transportation insurance [1] - The first batch of comprehensive insurance demonstration clauses for new materials includes three main insurance clauses: liability insurance for the first batch of new materials, quality assurance insurance, and domestic transportation insurance [1] Group 2: Service Guidelines - The service guidelines consist of trial versions of underwriting service guidelines and claims service guidelines, allowing production enterprises to negotiate insurance types and premium rates with insurance companies based on risk characteristics such as technological maturity, application scenarios, and historical claims levels [1] - This approach aims to achieve more precise insurance service guarantees and more efficient insurance compensation policies [1]
人形机器人“撞”出保险新场景
Jing Ji Ri Bao· 2025-08-26 01:51
Group 1 - The core viewpoint of the articles highlights the emerging insurance market for robots, driven by their integration into various sectors and the associated risks that necessitate tailored insurance products [2][5]. - The first humanoid robot competition showcased the need for comprehensive insurance coverage, with China Life Insurance providing various insurance products to ensure safety and smooth operation during the event [1]. - The development of insurance products for robots is seen as a response to the complex risks involved in their lifecycle, including property damage, third-party liability, and cybersecurity risks [2][4]. Group 2 - The launch of the consumer-grade exoskeleton robot VIATRIX by Shanghai Aoshark Intelligent Technology Co., with insurance coverage from Dajia Insurance, illustrates the collaboration between technology and insurance sectors to mitigate potential liabilities [3]. - Different types of robots face unique risks, necessitating customized insurance solutions based on their specific applications, such as medical, agricultural, and household robots [4]. - China Life Insurance has developed a comprehensive risk product system with over 200 products to support technological innovation across various sectors, indicating a significant commitment to the insurance needs of high-tech enterprises [4].