1月22日，深圳市地方金融管理局研究起草的《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）》（下称《行动方案》），正式向社会公开征求意见。该方案系统规划了未来三年深 圳保险业服务实体经济与科技创新的路径、目标与具体举措，明确提出推动全国保险资金在深投资突破 1万亿元，科技保险保费收入年均增速超10%等一系列量化目标。 南开大学金融学教授田利辉在接受南都·湾财社记者采访时指出，该方案旨在系统性破解科技创新面临 的"长期资本荒"与"特殊风险缺保障"两大核心痛点，其目标不仅是引入资金，更是构建一个"资本敢 投、风险可管、产品能创"的可持续机制，其探索具有全国性的示范意义。 明确三年量化目标：险资、保障与规模"三箭齐发" 《行动方案》设定了清晰、可衡量的三年发展目标。在引导长期资本方面，提出建立"险资入深"常态化 项目对接机制，力争推动全国保险资金在深投资总额突破1万亿元。在强化风险保障方面，力争实现科 技保险保费收入年均增速超过10%，每年为科技企业提供风险保障超5万亿元，并在低空经济、人工智 能等新兴领域，实现每年推出不少于30款保险创新产品。在行业自身发展方面，到2028年底，力争全 ...

中国基金报记者 郭玟君 深圳科技创新和产业发展迎来重大利好！ 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）》（以下简称《行动方案》），公开向社会征求意 见。 【导读】深圳全面高效落实引耐心资本、大胆资本助力新质生产力发展 《行动方案》提出了推动保险支持科技创新和产业发展及构建保险业新发展格局的十六项措 施。每项措施的实施，都落实到具体牵头单位及责任单位。 未来三年每年为科技企业 提供风险保障超5万亿元 《行动方案》提出，力争到2028年底完成三方面工作目标 ： 一 是建立并完善与深圳经济社会发展水平相匹配的现代保险服务体系，推动保险业 为"20+8"战略性新兴产业集群和未来产业发展、企业"走出去"、深港金融合作提供坚实支 撑，助力深圳建设具有全球重要影响力的产业科技创新中心、产业金融中心和全球海洋中心 城市。 二 是科技保险规模、质量与竞争力全面提升，科技保险保费收入年均增速超10%， 每年为科 技企业提供风险保障超5万亿元 ；低空经济、人工智能等新兴产业保险服务实现突破，每年 推出不少于30款保险创新产品。 三是保险业规模 ...

Core Viewpoint - The Guangdong Financial Regulatory Bureau has issued guidelines to support the high-quality development of the insurance industry, aiming to enhance its role in the modernization of China and the construction of the Guangdong-Hong Kong-Macao Greater Bay Area [1] Group 1: Development of Insurance Products - The guidelines emphasize the development of insurance products and services that cater to technological innovation, focusing on key industries such as loss of research and development, equipment loss, patent protection, and cybersecurity [1] - Insurance institutions are encouraged to create a comprehensive product and service system that covers the entire lifecycle of technology-based enterprises, including production, research and development, and the transformation of technological achievements [1] - Specific insurance products are to be developed for major technological equipment, new materials, and various medical and pharmaceutical innovations, including clinical trial liability insurance and product liability insurance for innovative drugs and medical devices [1] Group 2: Enhancing Risk Protection - The guidelines propose enhancing the overall risk protection level for technology through the establishment of co-insurance and reinsurance mechanisms, particularly for areas lacking historical data and with significant potential losses [2] - Financial institutions are urged to focus on key areas and improve product and service innovation mechanisms, as well as incentive policies [2] - Insurance companies are encouraged to innovate in pricing, underwriting, claims adjustment, and risk control, while also enhancing market-based assessment and claims mechanisms for technology risks [2] Group 3: Supporting Technology Transfer - The guidelines call for insurance institutions to support the transformation of technological achievements and to strengthen services for the international technology innovation center in the Greater Bay Area [3] - A mechanism for information sharing among departments is to be established to better match the insurance needs of technology enterprises [3] - Insurance institutions in Guangdong are encouraged to set up specialized departments and teams for technology insurance, cultivate professional talent, and optimize assessment and incentive mechanisms [3]