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"， ...

Group 1 - Guangdong is promoting a "Shenzhen model" for intellectual property securitization and is focusing on the early layout of next-generation advanced chips in the automotive intelligence sector [1] - The province has established a high-level multi-layer laboratory system, including 24 provincial laboratories and 26 national key laboratories, supported by major scientific infrastructure [1] - Guangdong has over 77,000 high-tech enterprises, ranking first in the country for nine consecutive years, and has seen significant growth in strategic industrial clusters, with nine clusters exceeding 1 trillion yuan in revenue [1] Group 2 - Guangdong has made breakthroughs in various industries, including domestic chip commercialization in 5G base stations, advancements in artificial intelligence, and the development of innovative biopharmaceuticals [2] - The province is focusing on collaborative innovation in the new energy vehicle sector, addressing key issues related to chips, intelligent driving, and the "three electrics" (battery, motor, and electronic control) [2] - A development plan for quantum technology in the Guangdong-Hong Kong-Macao Greater Bay Area has been established, emphasizing quantum computing and materials [2] Group 3 - Guangdong is enhancing the integration of technology and finance by optimizing the management of provincial innovation and entrepreneurship funds, achieving a leverage of 8.75 times on fiscal funds [3] - The province has invested over 32 billion yuan in 778 projects through its innovation and entrepreneurship fund as of June this year [3] - Initiatives include the establishment of a national platform for venture capital institutions and the introduction of a comprehensive insurance for technology research and development applications [3]

Core Insights - China Life Insurance has provided risk protection for strategic emerging industries amounting to nearly 40 trillion yuan and has served over 9,600 national-level specialized and innovative "little giant" enterprises this year [1] - The core topic of the Lujiazui Forum this year is how to promote technological innovation through financial means, emphasizing the need for institutional and service innovation in the insurance industry to provide comprehensive risk protection and development support for technological innovation [1] Group 1: Technological Insurance Development - There is an increasing demand for comprehensive financial services from technology enterprises, prompting China Life to leverage its integrated financial advantages to provide full lifecycle financial services [2] - China Life is focusing on enhancing risk protection for technological innovation and continuously innovating technology insurance products to cover all aspects of technology research and development, transformation, and application [2] - The insurance industry is expected to provide approximately 9 trillion yuan in technology insurance protection and invest over 600 billion yuan in technology enterprises by the end of 2024 [2] Group 2: Policy and Regulatory Support - The development of technology insurance has accelerated this year, with clearer policy guidance from regulatory bodies [3] - Various departments have issued policies to support the construction of a technology financial system, emphasizing the role of technology insurance as a stabilizer for innovation [3] Group 3: Innovation in Insurance Products - The introduction of new technology insurance products has accelerated, including the first large-scale research equipment sharing insurance and the first comprehensive insurance for technology achievement transformation [4] - The scope of technology insurance has expanded to cover various aspects of technological innovation, providing a comprehensive risk shield and development engine [4] Group 4: Investment Strategies - Technology enterprises require not only risk protection but also the support of patient capital represented by insurance funds for their long-term development [5] - China Life has innovated a relay investment model using private equity secondary market funds (S Funds) to support strategic emerging industries and facilitate their growth from initial stages to maturity [5] - Recent investments include a 11.8 billion yuan investment in the Shanghai integrated circuit industry investment fund and a 5 billion yuan investment in the Beijing technology innovation fund [6] Group 5: Future Directions - The S Fund model is expected to be promoted further, with a focus on collaboration with various sectors to support the development of new productive forces [7]