2026.03. 04 金融监管总局表示，《意见》的出台将有效推动新时期科技保险高质量发展，发挥科技保险支持创新 的减震器和稳定器作用，切实解决科技保险发展与创新实际需求的适配性不足问题，全面提升科技保 险服务高水平科技自立自强和科技强国建设的能力与水平。 建立协调推进机制 本文字数：3033，阅读时长大约6分钟 作者 | 第一财经 杨倩雯 为科技创新保驾护航的科技保险，迎来"顶层设计"。 科技部、金融监管总局等四部门近日联合发布《关于加快推动科技保险高质量发展 有力支撑高水平 科技自立自强的若干意见》（下称《意见》），围绕科技保险"保障谁、保什么、怎么保"，推出20项 政策举措。 "《意见》的出台为科技保险提供了'顶层设计'，将推动保险业从风险补偿者升级为科技创新的全程赋 能者，并引导险资作为'耐心资本'支撑国家重大科技任务。"对外经济贸易大学创新与风险管理研究中 心副主任、众托帮联合创始人兼总经理龙格对第一财经记者表示。 龙格分析称，此次《意见》的最大亮点在于产品设计精准聚焦人工智能等前沿领域，服务覆盖研发到 产业化的全链条，并通过专营机构、容错机制等制度创新为业务开展创造条件。 在总体要求上，《意见》明 ...

3月3日下午，全国政协十四届四次会议新闻发布会在人民大会堂一层新闻发布厅举行。大会新闻发言人刘结一向中外媒体介绍本次大会有关情况并回答记者 提问。 刘结一介绍，全国政协十四届四次会议将于3月4日下午3时在人民大会堂开幕，3月11日上午闭幕，会期7天。 大会的主要议程是： · 听取和审议全国政协常委会工作报告和提案工作情况的报告； · 列席十四届全国人大四次会议，听取并讨论政府工作报告以及其他有关报告，讨论国民经济和社会发展第十五个五年规划纲要草案； · 审议通过全国政协十四届四次会议政治决议、关于常委会工作报告的决议、关于全国政协十四届三次会议以来提案工作情况报告的决议、关于全国政协十 四届四次会议提案审查情况的报告。 刘结一介绍，大会期间，将举行开幕会、闭幕会以及2次大会发言；在各委员驻地将分别举行多次界别小组会议，部分界别还将举行界别协商会议。开幕 会、闭幕会将邀请外国驻华使节旁听。 | 来源 新华网 | | --- | | 编辑丨兰银帆 | | 审核丨秦婷 | 四部门发力！20项举措推动科技保险高质量发展 往期回顾 Review of Past Articles - 01 02 2026年全国两会召开在 ...

Core Viewpoint - The development of technology insurance is crucial for achieving the goal of technological self-reliance and strength during the 14th Five-Year Plan period, with financial support being essential [1][2]. Group 1: Importance of Technology Insurance - Technology insurance is necessary for accelerating high-level technological self-reliance, as it provides certainty and risk dispersion, allowing enterprises to focus on technological breakthroughs and value creation [1]. - The development of technology insurance is an inherent need for the transformation of the insurance industry, as technological innovation reshapes industry dynamics and raises demands for business models and service capabilities [1]. Group 2: Current Development and Opportunities - In 2024, technology insurance is expected to provide over 9 trillion yuan in coverage for technological innovation activities, with insurance capital investing over 600 billion yuan in technology enterprises [2]. - The insurance premium income for technology insurance has increased by 30% year-on-year in the first three quarters of this year, significantly surpassing the industry average [2]. - Three major opportunities for technology insurance include the rapid emergence of technological achievements, large-scale market support for industrial innovation, and an increasingly optimized policy environment [2]. Group 3: Practical Pathways for Development - To enhance technology insurance, it is essential to deepen reforms and improve mechanisms, focusing on effective market and proactive government collaboration [2]. - A multi-party collaborative policy system is needed, with the financial regulatory authority working with various ministries to develop high-quality development guidelines for technology insurance [2]. - A professional and efficient service system must be established, emphasizing the cultivation of talent that understands both insurance and technology, and the development of specialized product systems to support major technological breakthroughs [3]. Group 4: Building an Ecosystem - A comprehensive ecosystem for technology insurance should be created, including the establishment of data platforms to integrate resources from government, research, industry, and insurance sectors [3]. - A risk buffer zone should be established to coordinate resources and create a multi-entity risk dispersion mechanism involving governments, technology enterprises, and insurance institutions [3]. - Support for the transformation of technological achievements and the establishment of third-party institutions for intellectual property assessment and insurance actuarial services is crucial [3].

Core Viewpoint - The development of technology insurance in China is expected to experience historic opportunities due to the acceleration of a new round of technological revolution and industrial transformation [1][2] Group 1: Policy and Regulatory Framework - The Financial Regulatory Administration is collaborating with various ministries to formulate guidelines for the high-quality development of technology insurance, aiming to strengthen the coordination of policies across technology, industry, finance, and taxation [1] - Local governments are encouraged to implement supportive policies such as premium subsidies and tax incentives tailored to their specific conditions [1] Group 2: Challenges and Development Strategies - Technology insurance is characterized by high risk, low insurability, significant technical difficulty, and high professional thresholds compared to traditional insurance [2] - Four key areas for improvement have been identified: 1. Cultivating a talent pool that understands both insurance and technology 2. Developing a specialized product system to support major technological breakthroughs and protect small and medium-sized innovative enterprises 3. Enhancing service efficiency through the application of AI and big data in underwriting, claims, and risk control 4. Supporting market-oriented participation in venture capital and advancing pilot reforms for long-term investment of insurance funds [2] Group 3: Ecosystem Development - Emphasis on building a comprehensive ecosystem by integrating data from government, research, industry, and insurance sectors to support actuarial pricing [2] - Establishing a risk buffer zone and a multi-entity risk dispersion mechanism involving governments, technology companies, and insurance institutions [2] - Strengthening auxiliary support by fostering technology transfer, intellectual property assessment, and actuarial services from third-party institutions while balancing risk and return [2]

Core Viewpoint - The document outlines the "Guiding Opinions on Promoting High-Quality Development of Technology Insurance in Shanghai," which aims to enhance the role of technology insurance as a stabilizer and shock absorber for innovation [1][2]. Group 1: Framework and Key Tasks - The guiding opinions propose a comprehensive development framework for technology insurance that covers the entire chain of technological innovation and the full lifecycle of technology enterprises, focusing on major research projects, cutting-edge technology breakthroughs, innovation in small and medium-sized enterprises (SMEs), and enterprises' overseas strategies [1]. - Five key tasks and 16 specific measures are identified to systematically promote the development of technology insurance [1]. Group 2: Mechanism Innovation - The opinions emphasize professional operation and digital empowerment as primary strategies to enhance the quality and efficiency of technology insurance, proposing principles such as "special assessment, exclusive products, professional talent, specialized institutions, dedicated technology, dedicated systems, and dedicated supervision" [1]. - Shanghai will explore quantifying enterprise innovation capabilities into the insurance pricing system and pilot a "Shanghai Science Credit" precise pricing mechanism [1]. Group 3: Policy Coordination - A notable highlight of the opinions is the establishment of a coordinated promotion mechanism among regulatory departments, which will explore a tiered premium subsidy policy to achieve precise financial support [2]. - Technology insurance services will be included in the Shanghai municipal technology innovation voucher policy to directly reduce the insurance costs for SMEs [2]. - The document also mentions the integration of resources to build a cross-departmental expert database and data-sharing mechanism [2]. Group 4: Market-Driven Mechanism - The opinions stress the decisive role of the market in resource allocation, encouraging insurance institutions to engage deeply with technology parks and incubators to match enterprise needs accurately [2]. - Support for intermediary institutions to play a professional role is also highlighted, along with the establishment of a risk diversification mechanism [2]. - The document introduces a pilot for special risk transfer tools to attract social capital for risk diversification [2]. Group 5: Regulatory Enhancements - The Shanghai regulatory authority plans to increase the scope and intensity of subsidies for technology insurance policies this year, focusing on key industries [2]. - Collaboration with key industry technology parks will be strengthened to expand the insurable risk scope of technology insurance and explore risk reduction management in the technology sector [2]. - The regulatory foundation will be solidified by improving the monitoring index system and closely monitoring emerging risks [2].

Core Insights - The State Council's Financial Regulatory Administration emphasizes the role of technology insurance as a "shock absorber" and "stabilizer" for key core technology breakthroughs and future industry development [1] Group 1: Current Policies - The Financial Regulatory Administration has implemented three main policy measures to support technology insurance [1] - Improvement of the first set and first batch insurance compensation mechanism, expanding the coverage and optimizing terms, with over 1 trillion yuan in risk protection provided since the pilot began [1] - Optimization of insurance companies' solvency regulatory standards, adjusting risk factors for investments in strategic emerging industries and technology board companies, aiming to release more insurance funds to support capital markets [1] - Pilot program for major technology breakthrough insurance mechanisms in key sectors like integrated circuits and commercial aviation, providing risk-sharing solutions for national technology tasks, with approximately 9 trillion yuan in technology insurance protection provided last year [1] Group 2: Future Plans - The Financial Regulatory Administration is set to implement additional policies [2] - Recently introduced policies allowing insurance funds to invest in unlisted major equity related to insurance business, broadening support for technological innovation [2] - Adjusted regulatory ratios for insurance funds' equity investments, increasing the limit for single venture capital fund investments from 20% to 30% of the fund's paid-in capital [2] - Collaboration with the Ministry of Science and Technology to develop policies for high-quality development of technology insurance, focusing on optimizing the service system and enhancing the role of the insurance industry in risk compensation and funding leverage [2]

Core Viewpoint - The Financial Regulatory Administration is collaborating with the Ministry of Science and Technology to develop policy documents aimed at promoting high-quality development in technology insurance, which serves as a "shock absorber" and "stabilizer" for key core technology breakthroughs and future industry cultivation [1] Group 1: Policy Measures - The first policy measure involves improving the compensation mechanism for the first set and first batch of insurance, with a cumulative risk guarantee exceeding 1 trillion yuan since the pilot launch [1] - The second measure optimizes the solvency regulatory standards for insurance companies, adjusting the risk factor for investments in unlisted equity of strategic emerging industries to 0.4, and lowering the risk factor for investments in stocks of technology board companies from 0.45 to 0.4 [1] - The third measure introduces a pilot program for a major technology breakthrough insurance guarantee mechanism [1]

Group 1 - The head of the Financial Regulatory Administration, Li Yunzhe, announced on May 7 that guidelines for the high-quality development of technology insurance will be formulated [1] - The aim is to better play the role of risk sharing and compensation, effectively providing strong support for technological innovation [1]

Group 1 - The core viewpoint of the article emphasizes the introduction of a comprehensive set of financial policies aimed at stabilizing the market and managing expectations [1] - Eight new incremental policies have been launched recently, including the acceleration of financing systems compatible with new real estate development models [1] - The expansion of long-term investment pilot programs for insurance funds is intended to bring more incremental capital into the market [1] Group 2 - Regulatory rules are being adjusted and optimized, including a reduction in the investment risk factors for insurance companies in the stock market [1] - A comprehensive policy package to support financing for small and private enterprises is being developed [1] - Specific measures are being formulated to support foreign trade development, particularly for market entities significantly affected by tariffs [1] Group 3 - The management of merger loan regulations is being revised to enhance investment in technology innovation enterprises [1] - Guidelines for the high-quality development of technology insurance are also being established [1]