Core Insights - The development of technology insurance is crucial for accelerating high-level technological self-reliance and innovation, providing certainty in risk management and supporting enterprises in navigating economic and technological cycles [1][2] Industry Overview - Technology insurance in China has seen rapid growth, with expected coverage exceeding 9 trillion yuan for innovation activities in 2024 and insurance capital investment in tech enterprises surpassing 600 billion yuan [2][3] - In the first three quarters of this year, technology insurance premium income grew by 30%, significantly outpacing the industry average [2] Development Opportunities - The acceleration of technological breakthroughs and industrial transformation presents a historic opportunity for technology insurance, supported by substantial R&D investment projected to exceed 3.6 trillion yuan in 2024, marking a 48% increase since 2020 [3] - The integration of technology and industry innovation creates vast scenarios for technology insurance, with over 500,000 high-tech enterprises and 140,000 specialized small and medium-sized enterprises in China [3] - An improved policy environment, highlighted by the central financial work conference prioritizing technology finance, is expected to enhance the development potential of technology insurance [3] New Models and Pathways - The current stage of technology insurance in China is nascent, requiring reforms and mechanisms to enhance quality and expand coverage [4] - A multi-faceted policy system is being developed to support high-quality growth in technology insurance, with initiatives for premium subsidies and tax incentives [4] - A professional and efficient service system is essential, focusing on training talent who understand both insurance and technology, developing specialized products, and leveraging AI and big data for underwriting and claims processes [4][5] Ecosystem Development - Establishing a comprehensive ecosystem for technology insurance involves integrating data from various sectors to support actuarial pricing and creating a risk buffer zone to distribute risks among stakeholders [5] - The cultivation of third-party institutions for technology transfer, intellectual property assessment, and actuarial services is vital for balancing risk and return in the technology insurance landscape [5]

Core Insights - The core viewpoint of the articles highlights the rapid growth of technology insurance in China, with a 30% year-on-year increase in premium income during the first three quarters of the year, significantly surpassing the industry average [1][2] - The total insurance coverage for technology innovation activities is projected to exceed 9 trillion yuan in 2024, with insurance funds investing over 600 billion yuan in technology enterprises [1] Group 1: Industry Growth - Technology insurance in China is currently in its early stages of development, necessitating reforms and improvements in mechanisms to achieve breakthroughs and enhance quality [1] - The financial regulatory authority emphasizes the need for a new model and path for the development of technology insurance, focusing on the combination of effective markets and proactive government involvement [1] Group 2: Policy and System Development - A multi-faceted policy system is being developed to support high-quality growth in technology insurance, involving collaboration among various government departments [1] - The establishment of a professional and efficient service system is essential, which includes training professionals who understand both insurance and technology [1] Group 3: Ecosystem and Data Integration - The creation of a comprehensive ecosystem is encouraged, including the exploration of insurance data platform construction to effectively integrate data from government, research, industry, and insurance sectors [2] - There is a focus on developing risk diversification mechanisms among various stakeholders, including government, technology enterprises, and insurance institutions [2]

国家金融监督管理总局首席风险官：科技保险迎来机遇 中新网宁波11月6日电 (张斌)"科技创新与科技保险是不确定性探索与确定性保障的辩证统一，既能降低 科技创新试错成本，又能推动保险业自身转型升级。" 6日，在浙江省宁波市举行的第二届四明保险论坛暨中国保险学会2025年学术年会上，国家金融监督管 理总局首席风险官向东致辞时如是说。 在他看来，发展科技保险对推动高水平科技自立自强、行业改革转型意义重大，当前正迎来历史性发展 机遇。 据了解，"十四五"时期特别是中央金融工作会议以来，中国保险业规模稳步增长、结构持续优化，高质 量发展实现了新跨越，全球第二大保险市场地位更加稳固。 2024年，全国科技保险为科技创新活动提供保障超过9万亿元，险资投资科技企业超过6000亿元。今年 前三季度科技保险保费收入同比增长30%，大幅高于行业平均水平。 "中国为科技保险提供了丰厚土壤和海量场景，加之政策环境持续优化，发展潜力将进一步释放。"向东 说。 编辑：郭晋嘉 广告等商务合作，请点击这里 本文为转载内容，授权事宜请联系原著作权人 中新经纬版权所有，未经书面授权，任何单位及个人不得转载、摘编或以其它方式使用。 关注中新经纬微信 ...

Core Viewpoint - The Chinese government is implementing a series of financial policies aimed at stabilizing the market and expectations, with a focus on supporting various sectors including real estate, small and micro enterprises, and foreign trade [1][2]. Group 1: Financial Policies - The National Financial Supervision Administration plans to introduce 8 incremental policies to support market stability [1]. - Policies include adapting financing systems for real estate, expanding insurance fund investment trials, and lowering investment risk factors for insurance companies [1][2]. - A comprehensive policy package will be launched to support financing for small and private enterprises, enhancing coordination in financing efforts [1]. Group 2: Sector-Specific Support - Measures will be taken to safeguard foreign trade development, providing targeted services to businesses affected by tariffs [1]. - The management regulations for merger loans will be revised to facilitate industrial transformation and upgrading [1]. - The scope for establishing financial asset investment companies will be expanded to include qualified national commercial banks, increasing investment in technology innovation enterprises [2]. - Development opinions for technology insurance will be formulated to enhance risk sharing and compensation, supporting technological innovation [2].