Core Insights - The Shenzhen Municipal Financial Management Bureau has released an action plan for the insurance industry to support technological innovation and industrial development from 2026 to 2028, aiming to address the "long-term capital shortage" and "lack of risk coverage" in technology innovation [1][6] Group 1: Quantitative Goals - The action plan sets clear three-year development goals, including pushing national insurance funds to invest over 1 trillion yuan in Shenzhen and achieving an annual growth rate of over 10% in technology insurance premium income [2][3] - It aims to provide over 5 trillion yuan in risk coverage for technology enterprises annually and to launch at least 30 innovative insurance products each year in emerging fields like low-altitude economy and artificial intelligence [2][3] - By the end of 2028, the total assets of insurance entities in Shenzhen are expected to exceed 11 trillion yuan, with cumulative premium income over 700 billion yuan [2][3] Group 2: Key Support Measures - The action plan outlines eleven key support measures, including optimizing the utilization of insurance funds and establishing a project docking mechanism for insurance capital [3][4] - It encourages the development of technology insurance, promoting innovative product offerings in frontier technology fields and enhancing the talent insurance product system [3][4] - Specific measures include developing insurance products for the first set of equipment, intellectual property, and supporting the establishment of artificial intelligence insurance innovation centers [4][5] Group 3: Industry Collaboration and Innovation - The plan emphasizes the importance of collaboration between insurance institutions and technology companies, particularly in the fields of artificial intelligence and biotechnology [5][6] - It aims to enhance the insurance service system for marine industries and promote cross-border insurance cooperation between Shenzhen and Hong Kong [5][6] - The action plan also highlights the need for a robust reinsurance and co-insurance mechanism to support major strategic sectors [5][6] Group 4: Digital Transformation and Environment Optimization - The action plan supports the establishment of insurance innovation centers and encourages digital transformation within insurance institutions to improve operational management [7][8] - It proposes differentiated, scenario-based support measures tailored to the industrial advantages of different districts in Shenzhen [8] - The plan aims to enhance the digitalization of underwriting and claims services, optimizing customer experience [8] Group 5: Financial Supply-Side Reform - The action plan is rooted in Shenzhen's high-quality insurance development, with premium income growth of 12.8% year-on-year in the first three quarters of 2025 [9][10] - It highlights the successful introduction of significant insurance funds and innovative practices in various fields, providing a reference model for financial supply-side reform in China [9][10] - The unique aspects of the Shenzhen plan include its systematic design aimed at deeply embedding financial tools into the local innovation ecosystem [10]

Core Insights - The core viewpoint of the news is the release of the "Action Plan for the Insurance Industry to Support Technological Innovation and Industrial Development (2026-2028)" by the Shenzhen Municipal Financial Management Bureau, which aims to enhance risk protection for technology enterprises and promote the development of the insurance industry in emerging sectors like artificial intelligence and low-altitude economy [1][6]. Group 1: Action Plan Overview - The Action Plan includes sixteen policies targeting various emerging technology fields, proposing to accelerate the development of risk protection measures and products [1][6]. - By the end of 2028, Shenzhen aims for an annual growth rate of over 10% in technology insurance premium income, providing over 5 trillion yuan in risk protection for technology enterprises each year [1][6]. - The total assets of insurance entities in Shenzhen are expected to exceed 11 trillion yuan, with over 700 billion yuan in premium income over three years [1][6]. Group 2: Customized Insurance Services - The Action Plan emphasizes the development of insurance products tailored to the needs of emerging sectors such as artificial intelligence and low-altitude economy [2][7]. - Insurance institutions are encouraged to conduct research in cutting-edge technology areas like humanoid robots and quantum technology, and to innovate insurance product offerings [2][7]. - The establishment of an artificial intelligence insurance innovation center is encouraged to develop comprehensive insurance products covering the entire AI industry chain [2][7]. Group 3: Low-altitude Insurance Development - The Action Plan proposes to expedite the implementation of a liability insurance mechanism for drones and promote mandatory insurance for drone operations [3][8]. - Insurance institutions are encouraged to develop commercial insurance products for high-risk scenarios in low-altitude logistics and eVTOL [3][8]. - The plan also aims to enhance data sharing and monitoring capabilities within the low-altitude industry to improve insurance product pricing and claims processes [3][8]. Group 4: Support for New Energy Vehicle Insurance - The Action Plan seeks to optimize the supply of new energy vehicle insurance and adjust commercial vehicle insurance rates [4][9]. - Insurance institutions are encouraged to collaborate with smart driving developers to refine insurance products based on accumulated risk analysis data [4][9]. - The establishment of standards for repairs and claims in the new energy vehicle sector is also a focus to reduce maintenance costs [4][9]. Group 5: Strengthening Cross-border Insurance Cooperation - The Action Plan highlights the importance of enhancing cooperation between Shenzhen and Hong Kong's insurance industries, particularly in developing medical and pension insurance products [5][10]. - It supports the establishment of a comprehensive service system for enterprises going abroad, utilizing export credit insurance policies [5][10]. - The promotion of a service model for overseas intellectual property risk management is also included, providing a full range of risk solutions [5][10]. Group 6: Continuous Expansion and Quality Improvement of the Insurance Industry - The Action Plan supports the establishment of subsidiaries by domestic and foreign insurance institutions in areas like asset management and healthcare [11]. - It encourages the creation of insurance innovation centers focused on key sectors to better serve technological innovation and industrial development [11]. - The plan promotes digital transformation within insurance institutions to enhance operational management capabilities [11].

人民财讯1月22日电，深圳市地方金融管理局发布关于公开征求《深圳市关于保险业助力科技创新和产 业发展的行动方案（2026—2028年）（公开征求意见稿）》意见的通告。其中提到，鼓励保险机构加快 设立人工智能保险创新中心，聚焦人工智能全产业链风险，开发覆盖"基础层-技术层-应用层"的全链条 保险产品。支持保险机构联合专业科技公司，为人工智能企业提供风险评估、安全测试及合规咨询等增 值服务。鼓励保险机构为人工智能企业定制覆盖算力建设、网络安全、数据安全等风险的综合保险方 案，强化风险保障。 ...

Core Viewpoint - The insurance industry acts as a stabilizer for social and economic development, providing risk protection for technology research, results transformation, and industry promotion, especially in the context of rapid technological innovation [1]. Group 1: Action Plan Overview - On January 22, the Shenzhen Municipal Financial Management Bureau released the "Action Plan for the Insurance Industry to Support Technological Innovation and Industrial Development (2026-2028)", which includes sixteen policies covering multiple emerging technology fields [2]. - The plan aims for an average annual growth rate of over 10% in technology insurance premium income by the end of 2028, providing over 5 trillion yuan in risk protection for technology enterprises each year [2]. - The total assets of insurance legal entities in Shenzhen are expected to exceed 11 trillion yuan, with three-year premium income surpassing 700 billion yuan [2]. Group 2: Customized Insurance Services - The plan highlights the development of tailored insurance services for emerging technology fields such as artificial intelligence and low-altitude economy, encouraging insurance institutions to innovate products that meet industry needs [4]. - It promotes research in cutting-edge technologies like humanoid robots, quantum technology, commercial aerospace, and brain-machine engineering, and encourages the development of inclusive technology insurance products [4]. Group 3: Low-altitude Economy and AI Insurance - The plan accelerates the development of low-altitude insurance, including mandatory insurance for drones and the establishment of a classification management system for drones [5]. - It encourages insurance institutions to develop commercial insurance products for high-risk scenarios in low-altitude logistics and eVTOL [5]. - For artificial intelligence, the plan supports the establishment of innovation centers and the development of comprehensive insurance solutions covering risks related to computing power, cybersecurity, and data security [4]. Group 4: Cross-border Insurance and International Cooperation - The plan emphasizes strengthening cooperation between Shenzhen and Hong Kong in the insurance sector, supporting the development of medical and pension insurance products with characteristics of the Greater Bay Area [7]. - It aims to enhance insurance protection for enterprises going abroad, utilizing export credit insurance policies and promoting comprehensive service systems for overseas operations [8]. Group 5: Expansion and Quality Development of the Insurance Industry - The plan supports the establishment of subsidiaries by domestic and foreign insurance institutions in areas such as asset management, industrial investment, and healthcare [9]. - It encourages insurance institutions to explore the establishment of innovation centers focused on key sectors and to enhance data cooperation with key industries [9].