科技赋能同样蹄疾步稳。依托雄安"云上之城"战略，公司为被誉为"雄安之眼"的城市计算中心出具"算 链保2.0"系统内首单；服务低空经济发展，为雄安智航公司签发全国首批"空链保"保单，并开发完成全 国首个低空无人机机载监测设备损失补偿保险产品。在科研端，分公司打造"投保贷"综合金融服务模 式，为"算力智能调度运营中台关键技术研发"等项目提供研发费用保障，并联合中国银行落地全国首批 概念验证保险，支持妙心生物科技公司开展AI靶点蛋白诊断技术攻关。"科研充满不确定性，但人保的 保险让我们敢投入、敢试错。"企业负责人表示。 据悉，人保财险雄安分公司自2021年成立以来，在服务绿色与科技方面，成果尤为亮眼：落地京津冀首 单专利海外布局费用损失保险、全国首单知识产权海外被侵权损失保险，护航企业"走出去"；签发全国 首单无人驾驶汽车综合保险及河北省首个数字人民币支付保单，助力数字化建设。 我们人保财险雄安分公司就是要当好经济'减震器'和社会'稳定器'，让科技与绿色在这座未来之城深度 融合、交相辉映。"分公司负责人表示，下一步将紧扣二十届四中全会精神，深化绿色保险机制创新， 拓展科技保险服务场景，推动保险功能从"事后补偿"向" ...

信用保障，以"不变"保险应形势"万变" 为保障中小微企业因海外交易突生变故导致的损失，帮助中小微企业更好地拓展海外市场，人保财 险苏州市分公司积极落实"江苏省小微企业出口信用保险统保平台"和"苏州市中小微企业出口信用保险 统保平台"等政策，提供专业的信用保险服务，保障客户国外买方拖欠、破产、拒绝收货等风险和国外 买方所在国的战争、汇兑限制、取消进口许可证等风险导致的直接损失等，最高赔付比例80%。2024 年，公司共支持出口企业401家，保障出口金额42亿美元，为企业提供收汇保障、助力企业稳健"出 海"。 一单多保，护航外贸货物"漂洋过海" 为保障外贸企业的供应链物流环节，人保财险苏州市分公司创新"一单制"国际多式联运集装箱货物 运输保险，以集装箱为运输载体，采用国际多式联运方式，将属地生产的多个货品运送至境外，首批投 保即提供总保额130万美元保障。以"一单制"实现托运人一次委托、费用一次结算、货物一次保险、多 式联运经营人全程负责，有效解决企业在陆海铁分段式投保中遇到的各环节保险责任不清晰的问题，减 少货物运输的赔付风险和责任认定难度，降低企业物流运输成本，扩大保险责任，提高服务质量效率， 护航"一带一路 ...

Core Viewpoint - The article discusses the launch of the "Guiding Opinions on Promoting High-Quality Development of Technology Insurance in Shanghai," aimed at enhancing the support of insurance services for technological innovation in the context of building an international technology innovation center in Shanghai [1][2]. Group 1: Strengthening Support - The "Guiding Opinions" emphasize the need to enhance technology insurance support for major scientific research tasks, industrial cluster breakthroughs, and future industry cultivation [2]. - Key areas of focus for technology insurance include integrated circuits, biomedicine, and artificial intelligence, with a goal to create a tailored insurance protection system [2]. - The document also highlights the importance of addressing future industry trends such as low-altitude economy, humanoid robots, quantum technology, and 6G [2]. Group 2: Product Innovation - The "Guiding Opinions" call for the development of a comprehensive technology insurance product matrix that covers the entire innovation chain and the lifecycle of technology enterprises [2]. - Innovative products such as research and development expense loss compensation insurance and technology achievement transformation expense loss compensation insurance are encouraged [2]. - The introduction of the "Shanghai Science Points" system is proposed to explore precise pricing for insurance [2][3]. Group 3: Collaborative Mechanisms - A collaborative mechanism between the Shanghai Financial Regulatory Bureau and the Shanghai Science and Technology Commission will be established to implement a tiered support plan based on the "Shanghai Science Points" evaluation [3]. - The document proposes a mutual promotion mechanism for technology insurance product directories and lists of technology enterprises to facilitate data sharing across departments and institutions [3]. - Technology insurance services will be included in the scope of support from Shanghai's technology innovation voucher policy [3]. Group 4: Industry Data and Trends - According to the "Shanghai Technology Insurance Innovation Development Report (2024)," the Shanghai property insurance industry is expected to achieve technology insurance premium income of 5.06 billion yuan in 2024, providing risk coverage exceeding 25 trillion yuan [3]. - There has been a 16% year-on-year increase in network security insurance services and a 22% increase in biomedicine liability insurance services for enterprises and projects [3]. - The Shanghai insurance industry has introduced several "firsts" in technology insurance, including the first exclusive insurance for automotive chips in the region and the first national patent overseas layout expense loss insurance [4].