近年来，随着新质生产力加速成长、关键核心技术攻关进入深水区，科技创新对稳定性、连续性和抗风 险能力的需求不断提升，保险业围绕科研、成果转化和产业化推广构建起一体化服务体系，在降低创新 成本、提升试错能力、促进成果落地方面发挥了关键支撑作用，为新质生产力发展提供了更加坚实的保 障。 服务范围加速拓展 科技保险的兴起与科技创新和现代化产业体系建设同频共振。"十五五"规划建议将"科技自立自强水平 大幅提高"列为"十五五"时期经济社会发展的主要目标之一。科技金融位列金融"五篇大文章"之首，科 技保险也逐渐成为科技金融体系的重要组成部分。 从国家层面看，科技保险已不再被视为行业内部的增长点，而是被定位为科技金融体系的基础保障工 具，服务范围从传统产业拓展至人工智能、半导体、生物医药、先进材料、新能源等关键领域，政策信 号持续强化，引导科技保险功能从"风险补偿"向"能力支撑"加快延伸。 正如国家金融监督管理总局首席风险官向东所言，科技创新与科技保险不是两条平行线，而是"不确定 性探索与确定性保障的辩证统一"。随着科技创新深入，风险分散机制的重要性同步提升。 近日，中国保险行业协会正式发布《中国保险业社会责任报告（2024 ...

Group 1 - The core viewpoint of the articles emphasizes the importance of the "first set" and "first batch" insurance policies in promoting innovation and reducing risks for manufacturers and buyers in the technology sector [1][2][3] - The implementation of the "first set" major technical equipment insurance compensation policy and the "first batch" new materials insurance compensation is aimed at addressing market promotion challenges faced by innovative products [1][2] - The insurance products are designed to provide compensation for equipment failures and losses, thereby encouraging buyers to adopt new technologies and alleviating post-sale pressures on manufacturers [1][2] Group 2 - Since 2015, China has been implementing the "first set" major technical equipment insurance compensation mechanism, which has been optimized in terms of coverage, premium rates, and application processes to better support the market entry of innovative products [2] - The insurance policies reflect a broader trend of optimizing financial services throughout the lifecycle of technology, with various financial institutions innovating products to support technology companies at different stages of development [2] - There is a growing demand for tailored financial services in the face of rapid technological innovation and the emergence of new industries, highlighting the need for improved risk management and assessment capabilities within the insurance sector [3]

Core Viewpoint - The implementation of the "first set" insurance compensation policy aims to promote innovation and alleviate market entry challenges for new technologies and materials, thereby enhancing manufacturers' confidence in research and development [1][2]. Group 1: Policy Implementation - The recent notification by relevant authorities outlines the compensation policy for the first set of major technological equipment insurance and the first batch of new materials insurance, which has garnered attention from business operators [1]. - Since 2015, China has been implementing a compensation mechanism for the first set of major technological equipment insurance, with recent optimizations in coverage, insurance rates, and application processes to better support the market entry of innovative products [2]. Group 2: Financial Support for Innovation - The first set and first batch insurance products are seen as essential components of optimizing financial services throughout the entire lifecycle of technology, supporting various stages from research and development to market promotion [2]. - Financial institutions have been innovating products and increasing support for technology companies, including the introduction of insurance for concept validation and pilot testing, which aids in transitioning technology from laboratory to production [2]. Group 3: Challenges and Recommendations - Despite the acceleration of technological innovation and the emergence of new industries, there are still shortcomings in financial service supply compared to market demand, necessitating improved risk management and assessment capabilities within the insurance industry [3]. - To enhance the effectiveness of technology finance, it is recommended to strengthen policy coordination and data sharing across departments, which would improve the willingness of enterprises to purchase insurance and expand service coverage [3].

Core Insights - The company has successfully issued its first batch of concept validation and pilot insurance, providing risk coverage for key R&D projects of eight technology enterprises and research institutions [1] - The projects are located in Xiong'an New Area, Jiangsu, Anhui, Hubei, and Liaoning, covering various fields such as AI diagnostics, healthcare, fine chemicals, optical materials, ship engineering, and pharmaceutical processing [1] - The new insurance products aim to address the challenges and uncertainties faced during the concept validation, pilot, and mid-term testing phases, helping technology companies focus on core technology development without fear of errors or setbacks [1] Product Development - The company has established a product system that covers the entire life cycle of technology activities, including R&D, achievement transformation, and application promotion [1] - Specialized risk solutions have been formed in niche sectors such as aerospace, new energy, and biomedicine [1] - The introduction of these two new products enhances the risk protection chain for early-stage technological innovation, ensuring continuous risk coverage from the early validation phase of technological achievements [1]

此次首批承保的项目，覆盖AI诊断、医疗健康、精细化工、光学材料、船舶工程、医药加工等多个前 沿领域。比如，在雄安新区，人保财险承保泛癌靶点差异化诊断项目，同时联动中国银行落地"双千 亿"中试保融通服务，为项目研发进程提供风险与资金双重支撑；在江苏，保障富硒食品研发、贴面板 设备中试项目、透明哑光玻璃中试项目及常温旋涂工艺开发项目，助力企业解决工艺难题，支撑企业拓 海外市场；在安徽，为一次性腹腔镜手术穿刺套管项目提供保险服务，解决手术安全痛点，推动医疗技 术创新。 目前，人保财险已初步构建覆盖科技研发、成果转化、应用推广的科技活动全生命周期产品体系，在航 空航天、新能源、生物医药、半导体等细分行业领域形成专属风险解决方案。此次两个新产品的推出， 进一步补全了科技创新早期阶段的保障链条，让科技成果从验证早期就获得持续的风险保障。据悉，下 一步，人保财险将持续深化科技保险产品创新，丰富全生命周期保障体系，加大对重大技术攻关、中小 科技企业创新的支持力度。 转自：新华财经 新华财经北京9月28日电（记者王虎云）近日，人保财险在雄安新区、江苏、安徽、湖北、大连等地同 步突破，成功签发全国首批概念验证与小试保险和中试验证 ...