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“左手科技右手金融” 中国人寿构建科创企业成长加速器
Jing Ji Ri Bao· 2025-07-23 15:59
Core Viewpoint - The article emphasizes the need for high-level technological self-reliance and strong financial support for innovation, as outlined in the recent policy measures issued by multiple government departments, including the Ministry of Science and Technology and the People's Bank of China [1][3]. Financial Support for Technological Innovation - China Life Insurance actively responds to the policy by leveraging its comprehensive financial services across insurance, investment, and banking sectors to support technological innovation [1][3]. - The insurance sector has seen a significant increase in coverage for strategic emerging industries, with a year-on-year growth of over 181% in insurance coverage for specialized "little giant" enterprises [3]. - The banking sector has provided substantial loans, with Guangfa Bank's loans to technology enterprises exceeding 253.5 billion yuan [3]. Insurance Product Innovation - China Life has developed over 200 technology insurance products, including the first "Laboratory All-Risk Insurance" in the country, to provide comprehensive risk coverage for research and development activities [5][7]. - The company has introduced various innovative insurance products aimed at protecting intellectual property and providing financial support for technology enterprises [5][7]. Credit Support for Technology Enterprises - Guangfa Bank has tailored financial products to meet the unique needs of technology enterprises, particularly those in the early and growth stages, by offering small, short-term loans without collateral [8][10]. - The bank has successfully provided credit support to high-growth technology companies, such as an 8 million yuan credit line to a unicorn company before it became profitable [10][11]. Investment Strategies - China Life is focusing on strategic investments in emerging industries, utilizing diverse financial tools such as equity investments and asset securitization to support technological innovation [13][14]. - The company has established a 5 billion yuan investment plan to support technology innovation, which has mobilized over 80 billion yuan in social capital for technology enterprises [14][16]. Future Outlook - China Life aims to continue enhancing its financial products and services to foster innovation in the technology sector, contributing to the national strategy for technological self-reliance [17].