壹 近日，深圳市地方金融管理局就《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）》公开征求意见。国任保险作 为深圳市属国资控制的全国性财险公司，始终将服务深圳科技创新与产业高质量发展视为核心使命与责任。公司充分发挥自身专业优势与国资平台作用， 在产品创新、标准制定、生态共建、资金支持等多维度精准发力，探索出一条独具特色的保险赋能新质生产力发展路径，为深圳加快建设具有全球重要影 响力的产业科技创新中心贡献坚实的保险力量。 三是参与多项国家和行业标准制定，服务深圳"20+8"产业集群发展。近年来，公司先后参与编制了GB/T 45576—2025《网络安全技术网络安全保险应用 指南》、T/WHCSA 007—2024《网络安全风险量化评估规范》、T/CAMER 058—2025《新能源汽车动力电池检测维修技术管理规范》等多项国家标准、 团体标准的制定，在智慧城市、车联网、工业互联网、金融、能源等多个领域落地网络安全"防护+保险+生态"服务体系。为全国近200家企事业单位提供 约35.7亿元网络安全风险保障，累计为近16万人次提供了196亿元电信诈骗风险保障。 肆 一是创新推出 ...

Core Viewpoint - The Shenzhen Municipal Financial Management Bureau has solicited public opinions on the "Action Plan for the Insurance Industry to Support Technological Innovation and Industrial Development (2026-2028)", which sets quantitative goals for insurance in technology and emerging industries [1] Group 1: Quantitative Goals - The plan aims for an annual growth rate of over 10% in technology insurance premium income, providing risk protection exceeding 5 trillion yuan for tech companies each year [1] - It targets the launch of at least 30 innovative insurance products annually in emerging industries such as low-altitude economy and artificial intelligence [1] - The total assets of insurance entities in Shenzhen are expected to exceed 11 trillion yuan, with total premium income in the region surpassing 700 billion yuan over three years [1] Group 2: Focus Areas and Support Measures - The plan emphasizes the development of technology insurance, encouraging insurance institutions to research and innovate products in cutting-edge fields like humanoid robots, quantum technology, and commercial aerospace [2] - It proposes the development of specialized insurance products such as major technology equipment insurance, intellectual property insurance, and cybersecurity insurance to precisely serve the real economy and technological innovation [2] - In the realm of artificial intelligence, the plan encourages the establishment of AI insurance innovation centers and the development of comprehensive insurance solutions covering various risk layers [2] Group 3: Sector-Specific Insurance Development - For the biopharmaceutical industry, the plan suggests expanding insurance products to support R&D in pharmaceuticals and medical devices, including liability insurance for clinical trials [3] - It aims to accelerate the development of low-altitude insurance, including mandatory insurance for drones and the establishment of a classification management system [3] - The plan encourages insurance institutions to adapt to the trends of smart driving and collaborate with developers to refine insurance products for intelligent vehicles [3] Group 4: Cross-Border Cooperation and Support - The plan supports cooperation between Shenzhen and Hong Kong insurance institutions to develop medical and pension insurance products tailored to the Greater Bay Area [4] - It promotes the use of trade risk avoidance tools for cross-border e-commerce enterprises and encourages domestic insurance companies to optimize their overseas operations [4] Group 5: Strengthening Insurance Institutions - The plan supports the establishment of legal headquarters for financial enterprises in Shenzhen and encourages both domestic and foreign insurance institutions to set up subsidiaries in various sectors [5] Group 6: Service Improvement and Performance Metrics - The plan emphasizes enhancing underwriting and claims service levels, utilizing advanced technologies to improve efficiency and accuracy in insurance processes [6] - Data shows that Shenzhen's insurance premium income reached 179.74 billion yuan in the first three quarters of 2025, with a year-on-year growth of 12.8%, leading among first-tier cities [6] - As of September, the total assets of insurance entities in Shenzhen reached 9.1 trillion yuan, with a year-on-year growth of 22%, and net profits of 61 billion yuan, reflecting a growth rate of 15.5% [6]

每经AI快讯，1月22日，深圳市地方金融管理局发布《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）》。其中提出，鼓励保险机构在人形机器人、量子科技、商业 航天、脑机工程等前沿科技方向开展研究，创新保险产品供给及"首研首用"保障。探索完善深圳市科技 研发资金管理相关制度，允许科技研发资金根据实际需求安排科技保险费用支出。积极发展"惠科保"等 普惠型科技保险产品。拓展创新积分在科技保险等多维场景的应用，鼓励保险机构开发"创新积分保 险"专属产品。 （文章来源：每日经济新闻） ...

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].

Core Insights - The article discusses Shenzhen's new action plan aimed at leveraging the insurance industry to support technological innovation and industrial development from 2026 to 2028 [1][11]. Group 1: Action Plan Overview - The action plan outlines sixteen measures to enhance insurance support for technology innovation and industrial development, with specific responsibilities assigned to various units [3][4]. - The plan aims to establish a modern insurance service system aligned with Shenzhen's economic development, supporting strategic emerging industries and enhancing financial cooperation with Hong Kong [4][12]. Group 2: Goals and Targets - By the end of 2028, the plan targets an annual risk coverage of over 5 trillion yuan for technology enterprises, with an average annual growth rate of over 10% in technology insurance premium income [4][12]. - The total assets of insurance entities in Shenzhen are expected to exceed 11 trillion yuan, with total premium income surpassing 700 billion yuan over three years [5][13]. Group 3: Specific Measures - The plan includes optimizing insurance fund utilization, promoting technology insurance, and enhancing support for the "20+8" strategic emerging industry clusters [6][14]. - It encourages insurance institutions to invest over 1 trillion yuan in Shenzhen, focusing on key sectors such as artificial intelligence, biotechnology, and low-altitude economy [6][7]. Group 4: Collaboration and Innovation - The action plan emphasizes collaboration between the insurance industry and various sectors, including the establishment of insurance innovation centers and the development of tailored insurance products for emerging technologies [8][15]. - It also highlights the importance of enhancing the insurance service system for the marine industry and promoting cross-border insurance cooperation with Hong Kong [17][19]. Group 5: Support and Coordination - The plan outlines measures to strengthen organizational coordination and promote public awareness of insurance policies and products [21][22]. - It aims to facilitate the integration of insurance services with industrial needs, enhancing the efficiency and effectiveness of insurance offerings [21][22].

Core Viewpoint - Agricultural Bank of China Life Insurance (农银人寿) has been recognized for its comprehensive strategic layout and innovative practices in response to regulatory calls, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, showcasing its commitment to high-quality development and national strategy support [3][4][9]. Group 1: Pension Finance - The company is building a diversified pension service system, focusing on optimizing pension insurance product supply, strengthening service guarantees, and stabilizing asset management [3][4]. - It aims to address the growing demand for diverse and personalized pension services through product innovation and service extension [4]. Group 2: Inclusive Finance - The company emphasizes serving the "three rural issues" (agriculture, rural areas, and farmers) by establishing a dedicated product system and offering inclusive products for small and micro enterprises and new citizens [3][4]. - It combines online and offline services to enhance accessibility and knowledge dissemination in rural areas [3][4]. Group 3: Digital Finance - The company is implementing a "three-in-one" project to enhance network security and overall business capabilities, initiating six major projects for digital transformation [3][5]. - It is constructing a comprehensive data platform and widely applying artificial intelligence to improve service efficiency and customer experience [5][8]. Group 4: Green and Technology Finance - The company leverages its insurance fund advantages to increase investments in technology innovation bonds and green financial products, introducing innovative products like "Hui Ke Bao" to provide risk protection for employees in technology and green industries [3][6][7]. - As of mid-2025, the investment balance in related areas has exceeded 1.6 billion yuan, supporting long-term development in technology innovation and green low-carbon industries [7]. Group 5: Strategic Integration - The company integrates its operations with the parent bank's strategy, creating a synergistic ecosystem between banking and insurance, particularly in pension finance [7][9]. - It effectively embeds insurance services into the existing inclusive finance network of the Agricultural Bank, enhancing service delivery to rural areas [7][9]. Group 6: Technological Empowerment - The company is driving internal operational innovation and customer service upgrades through technology, ensuring sustainable implementation of its strategic initiatives [8][9]. - The application of AI in the entire business chain has significantly improved operational efficiency and customer satisfaction [8].

Core Viewpoint - Agricultural Bank of China Life Insurance (ABC Life) has been recognized for its comprehensive strategic layout and innovative practices in response to regulatory calls, focusing on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, showcasing significant achievements in supporting national strategies and promoting high-quality industry development [3][4][5] Group 1: Pension Finance - The company is building a pension service system characterized by "one optimization, one strengthening, and one stabilization," focusing on enhancing the supply of pension insurance products, strengthening service guarantees, and stabilizing asset management [3][4] - ABC Life aims to address the growing demand for diverse and personalized pension services through product innovation and service extension [4] Group 2: Inclusive Finance - The company emphasizes serving the "three rural issues" (agriculture, rural areas, and farmers) by establishing a dedicated product system and offering inclusive products for small and micro enterprises and new citizens [3][4] - ABC Life is enhancing the accessibility of financial services for underserved groups through a combination of online and offline service delivery [4] Group 3: Digital Finance - The company is implementing a "three-in-one" project to improve network security and overall business capabilities, launching six major digital transformation initiatives to create a comprehensive data platform [3][5] - ABC Life is leveraging artificial intelligence technology to significantly enhance service efficiency and customer experience [3][6] Group 4: Green and Technology Finance - ABC Life is increasing investments in technology innovation bonds and green financial products, introducing innovative products like "Hui Ke Bao" to provide risk protection for employees in technology and green industries [3][5] - The company is effectively guiding insurance funds into key national sectors through precise investment strategies and innovative insurance products [5] Group 5: Strategic Integration - As a subsidiary of Agricultural Bank of China, ABC Life integrates deeply with the parent bank's strategy, creating synergies in customer resources, service scenarios, and asset allocation [6] - The company is embedding insurance services into the existing inclusive financial service network of the bank, effectively supporting rural revitalization strategies [6][7]

Core Viewpoint - The insurance industry plays a dual role as an "economic shock absorber" and "social stabilizer" in China's high-quality economic development narrative, with a focus on serving national strategies such as rural revitalization and common prosperity [1] Group 1: Insurance Industry's Role in National Strategy - The recent central financial work conference emphasizes the importance of "insurance" in addressing rural revitalization and common prosperity, highlighting the industry's mission to align with national strategies [1] - By 2025, the insurance sector is expected to contribute significantly to the "14th Five-Year Plan" and the upcoming "15th Five-Year Plan," with companies like Agricultural Bank of China Life Insurance (ABC Life) finding differentiated development paths [1] Group 2: Focus on Rural Elderly Care - The 2024 central financial work conference identifies "pension finance" as a key area, addressing the challenges posed by an aging population of 280 million and the urban-rural pension gap [2] - ABC Life has launched 81 pension savings products since 2025, with a total premium of 10.919 billion yuan, specifically targeting the rural elderly population [2] Group 3: Integration of Financial Services - ABC Life is enhancing its pension service integration capabilities by leveraging the resources of its parent company, creating comprehensive financial service solutions for clients in the pension industry [3] Group 4: Insurance's Role in Rural Revitalization - ABC Life is actively developing affordable and accessible insurance products tailored to the unique needs of rural clients, aiming to reduce the risk of poverty among these populations [4] - The company has introduced a product system that includes short-term accident, medium-term savings, and long-term pension products, with a total of 12 products designed for rural clients [4] Group 5: Investment in Rural Development - ABC Life is focusing on investment opportunities in rural revitalization, utilizing its substantial insurance funds to support agricultural security and rural industry development [5] - As of October 2025, the company has invested 5.318 billion yuan in rural bonds, demonstrating its commitment to enhancing services in the agricultural sector [6] Group 6: Inclusive Insurance Products - ABC Life is developing a range of inclusive insurance products aimed at underserved groups, including rural populations, new citizens, and small enterprises, under its "Hui" product series [7] Group 7: Accessibility of Services - The company has implemented "claims care services" to assist elderly and disabled clients, providing 1,313 home visits and handling claims amounting to 126 million yuan in 2025 [8] - ABC Life has established a digital platform for comprehensive online services, enhancing customer experience and efficiency in claims processing [8] Group 8: Commitment to Core Insurance Principles - Since its establishment, ABC Life has focused on returning to the core principles of insurance, emphasizing long-term protection products and undergoing significant reforms to enhance its operational efficiency [9] - The company aims to continue exploring sustainable models in pension finance and agricultural investments, aligning its growth trajectory with national strategies and public welfare [9]

Core Viewpoint - The company is committed to supporting the national strategy and local development in Hubei, focusing on high-quality development and financial innovation to contribute to the modernization of the region [1] Group 1: Service to National Strategy - The company aligns its operations with the strategic goals of Hubei's development, implementing a three-year development plan (2025-2027) focused on high-quality growth and performance assessment [2] - It emphasizes the importance of integrating national strategic business indicators into its performance evaluation system to foster new growth drivers [2] Group 2: Technological Finance - The company has served 5,747 technology enterprises, providing risk protection exceeding 160 billion yuan, thereby reinforcing the safety net for technological innovation [3] - It launched the "Hui Ke Bao" health insurance product, integrating medical insurance with commercial insurance, and initiated the first "University Concept Verification Insurance" to support research commercialization [3] - The company has developed a rice cost insurance project using satellite technology, enhancing agricultural risk management and contributing to rural revitalization [3] Group 3: Green Finance - The company has expanded its green insurance services, with green insurance premiums increasing by 21.1% and providing risk coverage of 82.564 billion yuan [4] - It initiated the first policy-based forestry carbon index insurance project in Hubei, offering risk protection for public forests valued at approximately 3.8 million yuan [4] - The company has insured 41,952 new energy vehicles, providing risk coverage of 61.7 billion yuan, and is exploring new insurance products for electric vehicles [4] Group 4: Inclusive Finance - The company focuses on inclusive finance, supporting local economic development and improving livelihoods through diverse insurance products [5] - It has served over 6,123 small and micro enterprises, providing tailored online insurance solutions to ensure their stable operations [5] - The company has expanded health insurance coverage, providing risk protection of 223.3 billion yuan to 1.92 million workers and residents in Hubei [6] Group 5: Financial Mission - The company aims to deepen the implementation of financial strategies and enhance product innovation and service optimization to support Hubei's high-quality development [7] - It is committed to providing robust risk protection and efficient financial services, contributing to the modernization efforts in Hubei [7]