科技创新之路，"闯关"不易，"闯险"尤艰。它不仅呼唤"耐心资本"的长期滋养，更亟需"耐心保险"的全 程守护。随着中央金融工作会议将科技金融列为"五篇大文章"之首，以及二十届三中、四中全会对"健 全重大技术攻关风险分散机制，建立科技保险政策体系"的明确部署，保险服务科技强国战略的使命被 提升至全新高度。作为金融支持科技创新的关键一环，科技保险正以其独特的风险分散功能，成为培育 新质生产力、做好科技金融大文章不可或缺的力量。 在广东这片改革开放与科技创新的前沿热土，人保财险广东分公司深刻认识到，发展科技保险不仅是服 务国家战略的政治责任，更是把握产业变革机遇、重塑竞争优势的战略选择。面对科技领域风险高、评 估难、数据缺等现实挑战，人保财险广东分公司选择在这条"难而正确"的道路上率先探索，致力于为科 技创新提供全生命周期的温暖护航。 打通"转化瓶颈"，化解研发中试后顾之忧。科技成果转化"最后一公里"风险突出。人保财险广东分公司 积极响应佛山打造"概念验证之都、小试中试天堂"的号召，快速研发并落地全省首单"中试综合保险"。 随后，在省科技厅指导下，产品升级为覆盖"实验室-小试-中试"的全链条"技术研发应用综合保险"， ...

Core Viewpoint - The article highlights the importance of developing a robust technology finance system in China to support the integration of technological and industrial innovation, showcasing various innovative financial service models and cases from Guangdong province [1][2]. Group 1: Policy and Financial Environment - The Chinese government is actively optimizing the policy environment and financing channels to support technology finance, with various regions, including Beijing, Shanghai, and Zhejiang, implementing specialized policies such as venture capital and technology insurance subsidies [1][2]. - Guangdong's "KJ 15" policy, set to be released in 2024, aims to guide financial resources into innovation sectors, with a reported scale of government-guided funds reaching 430.611 billion yuan, ranking second nationwide [1]. Group 2: Challenges in Technology Finance Mechanism - Despite improvements, challenges remain in constructing a technology finance mechanism that aligns with technological innovation, such as the need for government venture capital funds to balance guiding roles and profitability [2]. - Issues like cross-departmental data sharing and the absence of targeted policies hinder the effectiveness of financial services throughout the entire lifecycle of technological innovation [2]. Group 3: Innovative Financial Services - The article discusses 50 typical cases of technology finance in Guangdong, emphasizing the role of technology insurance as a "shock absorber" for new industries, with innovative products like the "Guangdong Low-altitude Aircraft Comprehensive Insurance" addressing specific risks in the low-altitude economy [2][3]. - The establishment of the Guangzhou Angel Fund targets early-stage investments in emerging industries, successfully attracting global angel investors and supporting projects like Membrane New Materials and Zhuojie Laser [3]. Group 4: Collaborative Efforts - The article calls for collaboration among government, technology, finance, and industry sectors to enhance the effectiveness of technology finance, encouraging the replication and promotion of successful models and cases [3].