为有效破解"高校不敢放、企业不敢投"难题，中国人保财险南京市分公司专门定制推出"淳科保"特色保 险产品，精准匹配转化费用损失、专利被侵权损失、专利许可信用等险种，全方位护航科技成果"先使 用后付费"。 南报网讯（记者 刘全民 通讯员 许升） 科技成果也能"先尝后买"了！近日，高淳区科技创新与产业创新 融合发展推进会暨科技成果"先使用后付费"发布会举行，会上发布了南京市首个科技成果"先使用后付 费"实施体系，这代表着高淳在全市率先启动科技成果"先使用后付费"试点工作。 "先使用后付费"是指高校院所将科技成果"零门槛"先行许可给企业使用，双方事先约定合作模式、费用 支付形式和节点、违约责任等事项，通过约定采取"延期支付""阶段性支付"或"收入提成"等方式支付费 用。 为切实保障试点改革事项落地见效，高淳探索建立了"办法先行、协议推进、政策激励、平台支撑、金 融护航""五位一体"实施体系。办法先行方面，高淳研究制定了《科技成果"先使用后付费"实施办法 （试行）》；协议推进上，共建高校院所联合技术转移中心，明确校地协同推动"先使用后付费"的目标 任务；政策激励方面，区级科技创新政策中新增了对高校院所联合技术转移中心建 ...

Group 1 - The core idea of the news is the introduction of a "pay after use" system in Gaochun District, Nanjing, aimed at facilitating the transformation of technological achievements by allowing enterprises to trial technologies before making payments [1][2] - The "pay after use" system is supported by technology insurance and various institutional guarantees, enabling enterprises to evaluate the effectiveness of the technology before deciding on formal transformation [1] - Nearly 100 technological achievements have been uploaded by universities on the "Ningkehui" platform for enterprises in Gaochun District to choose from [1] Group 2 - Gaochun District has introduced a specialized insurance product called "Chunke Bao," which covers the entire process of technology transformation, including losses related to transformation costs and patent infringements [2] - The district has signed agreements with four universities to establish joint technology transfer centers, focusing on the integration of technological and industrial innovation [2] - The district aims to support high-quality industry-university-research cooperation projects with financial backing of up to 20 million yuan for major technology commercialization projects [2]

Core Points - The strategic cooperation agreement between PICC Property and Casualty Nanjing Gaochun Branch and the Gaochun District Science and Technology Bureau aims to launch a customized insurance product called "Chun Ke Bao," which is the first in the city to adopt a "pay after use" model for technology achievements [1][2] - This initiative marks a significant step in technological financial innovation in Gaochun District and serves as a "Gaochun sample" for new models of technology insurance services in the city [1] - The product "Chun Ke Bao" focuses on various risk points in the technology achievement transformation process, providing comprehensive risk protection during the trial and transformation periods [1] Summary by Sections Strategic Cooperation - The cooperation is a response to the central financial work conference and aims to implement the "five major articles" of finance [1] - Both parties will conduct policy research, product development, risk management, and enterprise services to help small and micro enterprises reduce innovation risks and improve the efficiency of technology achievement transformation [1][2] Product Features - "Chun Ke Bao" covers multiple dimensions of risk, including research and development cost losses, patent enforcement, licensing credit, data intellectual property, and losses from commercial secret infringements [1] - The product aligns with the risk protection mechanism required by the "pay after use" policy and highlights the positive role of insurance in nurturing new productive forces [1] Future Plans - The Gaochun District Science and Technology Bureau and PICC Property and Casualty plan to deepen their cooperation and continuously optimize the technology insurance product system [2] - The company aims to ensure that the policy benefits more technology-based enterprises by accelerating the implementation of the "Chun Ke Bao" product and establishing a dedicated service team [2]