赋能产业升级场景：服务国家战略，提供全面风险保障 消费是经济增长的主引擎。阳光财险主动对接新型消费需求，守护文化消费、服务绿色消费，以保险服 务增厚消费"安全垫"。 针对浙江历史经典产业与数字技术跨界融合的新发展趋势，阳光财险创新推出"浙礼保"一揽子解决方 案，融合区块链溯源、知识产权维权、产品质量保障三大服务，开发"浙礼保"溯源平台，并为企业提供 专业的维权咨询、全风险代理服务，帮助消费者识别真伪、企业维权降本，为"民族瑰宝"系上"安全 带"，助力文化消费升级。此外，聚焦新能源汽车市场快速增长但保障尚未完善的痛点，阳光财险推出 机动车置换费用补偿保险（GAP险），覆盖车辆维修减值与置换损失，2025年以来已累计承担风险保障 超70亿元，有效降低消费者换车成本，释放绿色消费潜力。针对电商、外卖等数字经济场景，阳光财险 持续完善退货运费险、产品质量、产品责任等专属保险，2025年，累计为抖音、淘宝等平台超40亿笔订 单提供保障，提升消费者体验与商户经营韧性。 支持科技落地场景：畅通"科技—产业—金融"循环 科技创新是新质生产力的核心。阳光财险立足主业，优化金融产品和服务体系，聚焦科技成果研发中断 风险和成果转化 ...

Core Viewpoint - The State Council's recent guidance on financial "five major articles" emphasizes the importance of high-quality development in the financial sector, with Sunshine Insurance exemplifying this commitment through its innovative financial products and services [1][13]. Group 1: Technology and Innovation - Sunshine Insurance is enhancing its technology insurance services to boost confidence in new technology investments, focusing on strategic emerging industries and traditional industry upgrades [2]. - The company has developed a life sciences liability insurance product that covers core risks in the life sciences sector, providing economic loss and legal expense protection, thereby facilitating innovation in the biopharmaceutical industry [2]. - In 2024, Sunshine Insurance plans to provide risk coverage of approximately 41.3 billion yuan for technology innovation enterprises [2]. Group 2: Green Finance - Sunshine Insurance actively promotes green finance by developing innovative insurance products that support the transition to a green economy, aligning with national goals for carbon neutrality [4][5]. - The company has introduced a vehicle replacement cost compensation insurance (GAP insurance) to support the growing demand for electric vehicles, with 158 policies issued by March 2023, covering risks of 22.64 million yuan [4]. - In 2024, Sunshine Insurance aims to provide green insurance coverage of nearly 16 trillion yuan to around 2.5 million enterprises and individuals, with claims support of approximately 5.2 billion yuan [5]. Group 3: Inclusive Finance - Sunshine Insurance is expanding its insurance services to underserved groups, including small and micro enterprises, low-income individuals, and the elderly, by developing tailored insurance products [7]. - In 2024, the company plans to provide risk coverage exceeding 412.8 billion yuan for approximately 39,000 small and micro enterprises [7]. - The company is also focusing on rural revitalization by offering agricultural insurance risk coverage of 53.5 billion yuan to 980,000 households in 31 provinces [8]. Group 4: Pension and Elderly Care Finance - Sunshine Insurance is enhancing its pension financial services to meet diverse customer needs, including the development of various pension insurance products [9]. - The company has launched a high-end elderly care community, integrating cultural and natural elements to provide comprehensive services for the elderly [10]. Group 5: Digital Transformation - Sunshine Insurance is implementing a "data intelligence" strategy to drive high-quality development through technology and data integration [11]. - The company has introduced intelligent customer service robots, serving 14.57 million customers in 2024, with a 25.8 percentage point increase in service automation [12]. - Sunshine Insurance has established a technology subsidiary to accelerate its "technology sunshine" strategy, marking a new phase in its digital transformation efforts [12].