科技创新风险保障

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一地开发产品最高补贴50%,科技保险“攻关”靠什么
Bei Jing Shang Bao· 2025-04-24 12:15
Core Viewpoint - The recent policy initiatives in Hebei Province aim to promote technology insurance through premium subsidies and innovative models, addressing the risks associated with technological innovation for enterprises [1][4][5]. Group 1: Policy Initiatives - Hebei Province has introduced a subsidy scheme for technology insurance, offering up to 50% subsidies for certain products classified as A-type, with lower subsidies for B-type and C-type products [4][5]. - Other regions, including Beijing, Shanghai, and Zhejiang, are also implementing premium subsidy programs to encourage technology insurance, with specific examples like Hangzhou providing a 50% subsidy for data intellectual property [5][6]. Group 2: Industry Challenges - Despite the positive developments, the technology insurance sector faces challenges such as insufficient effective supply, lack of specialized talent, and the unique risks associated with insuring technological activities [3][7]. - The complexity of pricing and the high costs associated with research and development activities hinder the development of tailored insurance products, making it difficult for companies to find suitable coverage [7][8]. Group 3: Future Directions - To enhance the technology insurance landscape, there is a need for a multi-departmental policy coordination mechanism and improved collaboration between insurance companies and educational institutions to cultivate specialized talent [3][8]. - The establishment of a technology risk data management system is essential for better risk assessment and pricing, alongside the development of innovative insurance products that align with technological advancements [8].