Core Insights - The Shenzhen Municipal Financial Management Bureau has released an action plan for the insurance industry to support technological innovation and industrial development from 2026 to 2028, aiming to address the "long-term capital shortage" and "lack of risk coverage" in technology innovation [1][6] Group 1: Quantitative Goals - The action plan sets clear three-year development goals, including pushing national insurance funds to invest over 1 trillion yuan in Shenzhen and achieving an annual growth rate of over 10% in technology insurance premium income [2][3] - It aims to provide over 5 trillion yuan in risk coverage for technology enterprises annually and to launch at least 30 innovative insurance products each year in emerging fields like low-altitude economy and artificial intelligence [2][3] - By the end of 2028, the total assets of insurance entities in Shenzhen are expected to exceed 11 trillion yuan, with cumulative premium income over 700 billion yuan [2][3] Group 2: Key Support Measures - The action plan outlines eleven key support measures, including optimizing the utilization of insurance funds and establishing a project docking mechanism for insurance capital [3][4] - It encourages the development of technology insurance, promoting innovative product offerings in frontier technology fields and enhancing the talent insurance product system [3][4] - Specific measures include developing insurance products for the first set of equipment, intellectual property, and supporting the establishment of artificial intelligence insurance innovation centers [4][5] Group 3: Industry Collaboration and Innovation - The plan emphasizes the importance of collaboration between insurance institutions and technology companies, particularly in the fields of artificial intelligence and biotechnology [5][6] - It aims to enhance the insurance service system for marine industries and promote cross-border insurance cooperation between Shenzhen and Hong Kong [5][6] - The action plan also highlights the need for a robust reinsurance and co-insurance mechanism to support major strategic sectors [5][6] Group 4: Digital Transformation and Environment Optimization - The action plan supports the establishment of insurance innovation centers and encourages digital transformation within insurance institutions to improve operational management [7][8] - It proposes differentiated, scenario-based support measures tailored to the industrial advantages of different districts in Shenzhen [8] - The plan aims to enhance the digitalization of underwriting and claims services, optimizing customer experience [8] Group 5: Financial Supply-Side Reform - The action plan is rooted in Shenzhen's high-quality insurance development, with premium income growth of 12.8% year-on-year in the first three quarters of 2025 [9][10] - It highlights the successful introduction of significant insurance funds and innovative practices in various fields, providing a reference model for financial supply-side reform in China [9][10] - The unique aspects of the Shenzhen plan include its systematic design aimed at deeply embedding financial tools into the local innovation ecosystem [10]

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]