当无人机成为农林植保的"好帮手"、低空物流的"急先锋"，当eVTOL载人飞行器逐步走进大众视 野，低空经济正加速从概念走向现实。 万亿元产业崛起的背后，不仅是技术的突破与场景的扩容，更需要金融保障与产业发展的协同推 进。近日，国家发展改革委、金融监管总局、中国民航局印发《关于推动低空保险高质量发展的实施意 见》（以下简称《实施意见》），明确提出优化全产业链保险保障，到2027年，无人驾驶航空器责任保 险强制投保制度初步建立。 责任编辑：杨喜亭 低空经济产业的高质量发展，离不开保险的有力跟进。此前行业内的诸多尝试已初见成效：2025年 5月，全国首单"低空天气保"在深圳落地，精准对接农林植保无人机的风险保障需求，将天气灾害导致 的作业损失纳入保障范围，实现了保险与场景的深度绑定；2025年8月，全国首个低空经济共保体在重 庆成立，19家保险公司与16家单位完成项目签约，风险保额达6115万元，首批保险产品覆盖无人机第三 者责任、航空产品责任、科技研发成果转化、网络安全等领域。 此次新出台的文件精准直击行业痛点，为低空经济与保险协同发展提供了清晰的政策指引和落地路 径。《实施意见》明确提出，对于按照法律法规应当投 ...

近日，《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）（征求意见稿）》 （以下简称《行动方案》）正式向社会公开征求意见，系统勾勒出未来三年保险业赋能科技创新、服 务"20+8"产业集群的路线图。 值得关注的是，《行动方案》专门将"加强人工智能风险保障"和"加快推动低空保险发展"列为重点任 务，推动保险从传统的风险承担者，转向产业创新的"稳定器"与"助推器"。深圳，这座以科技创新立身 的城市，正通过构建与新兴产业相匹配的现代金融保险服务体系，为新质生产力的发展筑牢风险防线。 【导读】《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）（征求意见稿）》 发布，力促保险创新护航新质生产力高质量发展 设立人工智能保险创新中心 为AI筑牢"防火墙" 人工智能是深圳发展新质生产力的核心引擎。2024年，深圳人工智能产业规模已突破3600亿元，占全国 比重超过12.7%。然而，技术迭代快、风险不确定性强等特性，也让许多企业在创新路上"走得战战兢 兢"。 为此，《行动方案》明确提出，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－ ...

【导读】《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）（征 求意见稿）》发布，力促保险创新护航新质生产力高质量发展 中国基金报记者 郭玟君 近日，《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）（征求 意见稿）》（以下简称《行动方案》）正式向社会公开征求意见，系统勾勒出未来三年保险 业赋能科技创新、服务"20+8"产业集群的路线图。 值得关注的是，《行动方案》专门将"加强人工智能风险保障"和"加快推动低空保险发展"列 为重点任务，推动保险从传统的风险承担者，转向产业创新的"稳定器"与"助推器"。深圳， 这座以科技创新立身的城市，正通过构建与新兴产业相匹配的现代金融保险服务体系，为新 质生产力的发展筑牢风险防线。 设立人工智能保险创新中心 为AI筑牢"防火墙" 人工智能是深圳发展新质生产力的核心引擎。2024年，深圳人工智能产业规模已突破3600亿 元，占全国比重超过12.7%。然而，技术迭代快、风险不确定性强等特性，也让许多企业在 创新路上"走得战战兢兢"。 为此，《行动方案》明确提出，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 ...

Core Insights - The company is committed to leveraging insurance services to support the high-quality development of Shenzhen, aligning with national strategies and local economic goals [1][4][6] Group 1: Innovation in Insurance Products - The company launched four innovative weather-related insurance products, including "Low Altitude Weather Insurance" and "Infrastructure Weather Insurance," to address meteorological risks in emerging industries [2][3] - The company introduced the first "Calculation Chain Insurance" in the country, providing risk coverage for a well-known data enterprise, enhancing competitiveness in the digital economy [2] - In the smart automotive sector, the company is collaborating with academic institutions to develop insurance solutions for new energy vehicles and intelligent driving technologies [3] Group 2: Comprehensive Risk Management Solutions - The company has developed a comprehensive insurance system covering the entire innovation chain, including a trial insurance product for a pharmaceutical company, providing over one million yuan in risk coverage [4] - The company has initiated a data intellectual property insurance product to protect against infringement losses, supporting enterprises in global competition [4] - A new data asset insurance product was launched to assist a smart elderly care technology company in realizing the value of its data assets [5] Group 3: Green Finance and Social Governance - The company has received multiple awards for its contributions to green finance and continues to innovate in the renewable energy sector, focusing on risk management for energy storage and offshore wind power [6] - The company has implemented a governance model for small construction projects, providing over 120 billion yuan in risk coverage to enhance social safety levels [7] - The company is actively participating in cross-border financial innovation and technology finance development, aiming to contribute to the high-quality development of the region [7]

Core Viewpoint - The Shenzhen Municipal Financial Management Bureau and Shenzhen Financial Regulatory Bureau have jointly issued an action plan to promote high-quality development in the insurance industry, focusing on four key areas: serving public welfare, supporting the real economy, deepening reform and opening up, and enhancing sustainable development capabilities [1][2]. Group 1: Development Goals - The action plan sets a target for the insurance industry in Shenzhen to implement and promote at least 30 innovative insurance projects annually by 2029, aiming to establish a high-quality development framework [1]. - By 2035, the goal is to create a number of recognizable insurance innovation achievements from Shenzhen, forming a new insurance industry landscape with a complete market system and strong international competitiveness [1]. Group 2: Enhancing Public Welfare - The plan emphasizes improving the insurance industry's service level for public welfare, including enhancing the catastrophe insurance system and developing third-pillar pension insurance [1][2]. - It aims to optimize health insurance services and expand inclusive insurance coverage for specific groups and new citizens [1]. Group 3: Supporting the Real Economy - The action plan focuses on enhancing the quality and efficiency of insurance services for the real economy, including the development of technology insurance and support for strategic emerging industries [2]. - Notable initiatives include the implementation of the "cross-border e-commerce insurance" and "low-altitude weather insurance" in Shenzhen, showcasing innovative insurance products [2][3]. Group 4: Reform and Opening Up - The plan includes measures to deepen reform and opening up in the insurance industry, such as supporting the overseas expansion of property insurance companies and optimizing new energy vehicle insurance supply [2][3]. - It also emphasizes strengthening cooperation between the insurance sectors of Shenzhen and Hong Kong, supporting collaboration within the Guangdong-Hong Kong-Macao Greater Bay Area [2]. Group 5: Sustainable Development - The action plan aims to enhance the sustainable development capabilities of the insurance industry by improving digital transformation and increasing financial literacy among residents [3]. - It encourages collaboration between insurance institutions and various industries to promote innovation and service improvement [3].