近日，浙江省科技厅等九部门联合印发《浙江省科技金融赋能创新浙江建设 因地制宜发展新质生产力行动方案》（下称《行动 方案》），明确以"投资于物"和"投资于人"相结合为原则，加快构建全生命周期、全链条的科技金融服务体系，为创新浙江建 设注入金融动能。 该管理人进一步指出，从政策设计来看，《行动方案》的核心亮点在于全生命周期赋能。针对科技企业从种子期、成长期到成 熟期的不同需求，构建了"基金+信贷+债券+保险+担保"的多层次金融服务体系。比如，延长政府投资基金存续期至20年，匹配 科技研发的长周期特性；创新"概念验证贷""中试贷"等产品，填补了科技企业早期融资的空白，有效破解了"融资难、融资贵"的 痛点。 强化科技信贷支持，是另一重要抓手。浙江将推动"平台+高校+企业+产业链"结对合作，对符合条件的科技创新贷款给予贴息支 持；动态更新科技型企业无贷户清单，创新开发"概念验证贷""中试贷"等专属产品，探索"贷款+外部直投"业务模式。银行机构 将单列科技企业信贷规模，实施"四个单独"差异化服务机制，并制定贷款尽职免责清单。 在发挥资本市场支撑作用上，浙江将加快科技企业挂牌上市步伐，建立超1000家上市后备科技型企业培育 ...

专题：2025《中国企业家》影响力企业家年会 我国的科技保险现在已经形成30种科技保险产品体系。 文|《中国企业家》记者 梁宵 12月6~7日，由《中国企业家》杂志社主办的2025（第二十三届）影响力企业家年会（原中国企业领袖 年会）在北京召开。原中国银行保险监督管理委员会党委委员、副主席梁涛分享了"让保险更好地助力 现代化产业体系建设和新质生产力的发展"。 2．建设现代化的产业体系和发展新质生产力，伴随特有的活动性风险保障需求，涉及的领域繁多，产 业链条长，风险总量和风险特征不断发生变化，不同规模、不同细分领域以及不同发展阶段的科技企业 风险特征差异、保险保障需求不同。 3．保险业作为兼具风险保障功能与长期资金属性的特殊行业，必须统筹产品创新与资金运用，成为现 代化产业体系建设和新质生产力的协同力量，助力科技成果向现实生产力高效转化。 以下为演讲的核心要点： 1．到2024年底，全国科技保险为科技创新活动提供的保险保障超过9万亿元，保险企业投资科技企业超 过6000亿元。 以下为梁涛的现场演讲实录（有删减）： 党的二十届四中全会提出：建设现代化产业体系，巩固壮大实体经济根基，加快高水平科技自立自强， 引领发 ...

Core Insights - The "15th Five-Year Plan" emphasizes the combination of an effective market and a proactive government, aiming to enhance the role of the market in resource allocation while improving government functions [1][2] - Financial markets are identified as crucial for capitalizing and securitizing resources, with local governments encouraged to develop unique financial service systems based on regional conditions and industrial structures [1][2] Group 1: Financial Market Development - The plan highlights the need for local governments to explore financial service systems that cater to local characteristics, focusing on five development models: regional financial centers, technology industry financial cycles, government investment banking, new financial service elements, and local specialty financial services [1] - The integration of technology, industry, and finance is essential for driving innovation, with local governments tasked with creating mechanisms to share risks associated with technological advancements [3][4] Group 2: Role of Local Governments - Local governments are encouraged to provide foundational support for major technological research and development, recognizing that early-stage innovation often requires stable funding that the market alone cannot provide [4] - Establishing government-led funds and investment initiatives is crucial to attract social capital into areas deemed high-risk or difficult to evaluate [4][7] Group 3: Shenzhen's Experience - Shenzhen serves as a model for creating a synergistic system of technology, capital investment, and industrial transformation, demonstrating effective integration of financial and technological services [5][6] - The city has developed a comprehensive service system that connects technology achievements with capital markets, enhancing the ability to assess and commercialize technological innovations [6][8] - Shenzhen's government investment fund system operates on a model of "government guidance, market operation, risk sharing, and profit sharing," which has successfully supported numerous technology enterprises and led to a significant number of companies going public [7][8]

Core Insights - The integration of AI in the insurance industry is gaining momentum, with significant innovations showcased at the 19th Shenzhen International Financial Expo, highlighting the potential of AI to enhance insurance services [1][2][3] - The Chinese government is actively promoting the development of technology insurance, with policies aimed at fostering high-quality growth in this sector from 2026 to 2028 [1][3] - Major insurance companies are leveraging AI technologies to improve customer service and operational efficiency, indicating a shift towards a more digital and automated insurance landscape [2][3] Group 1: AI Innovations in Insurance - Shenzhen's leading insurance companies are exploring generative AI applications, such as AI customer service and AI health management, to enhance service delivery [1][2] - Ping An Group introduced three AI service practices: "AI Super Customer Service," "AI Family Doctor," and "AI Elderly Care Manager," aimed at integrating AI into everyday financial, medical, and elderly care services [1] - Tencent Weibo has developed AI user assistants that streamline the insurance process from consultation to claims, significantly improving user experience and operational efficiency [2] Group 2: Policy and Industry Support - The Shenzhen government has released a work plan to support the high-quality development of technology insurance, indicating a commitment to integrating cutting-edge technologies into the insurance sector [1][3] - The national strategy encourages financial institutions to invest in digital transformation, establishing a clear direction for the industry's future [1][3] - The insurance sector is recognized for its unique advantages in AI application due to its data-rich environment and standardized processes, which can enhance the capabilities of insurance professionals [3]

Core Insights - The integration of AI in the insurance sector is gaining momentum, with significant innovations showcased at the 19th Shenzhen International Financial Expo, highlighting the potential of AI to enhance insurance services and operational efficiency [1][3][5] - The release of the "Work Plan for Promoting High-Quality Development of Technology Insurance in Shenzhen (2026-2028)" indicates a strong policy support for the adoption of AI and other advanced technologies in the insurance industry [1][6] - The insurance industry is expected to undergo a transformation by 2025, with AI playing a crucial role in enhancing operational capabilities and improving customer service [5][6] Policy and Industry Trends - The Shenzhen government is committed to establishing a world-class financial technology center, which will provide a robust framework for the insurance industry to leverage AI and other technologies [1][6] - National regulatory bodies have emphasized the importance of digital transformation in the financial and insurance sectors, encouraging institutions to invest in technology [1][5] AI Applications in Insurance - Ping An Group introduced three AI service innovations: "AI Super Customer Service," "AI Family Doctor," and "AI Elderly Care Manager," aimed at enhancing service delivery in finance, healthcare, and elder care [3][5] - Tencent Weibo has implemented generative AI models in its operations, enhancing user service through AI assistants that streamline the insurance process from consultation to claims [3][5] - The introduction of a "Commercial Insurance Direct Payment" channel by Tencent Weibo has expedited the claims process, showcasing the practical benefits of AI in improving operational efficiency [5][6] Technological Advancements - AI technology has significantly improved operational efficiency, with user voice analysis efficiency increasing by tenfold and user demand analysis efficiency by twentyfold [5][6] - The development of a knowledge-based insurance product by China Life Property & Casualty Insurance focuses on intellectual property, providing comprehensive protection for businesses [5][6] - Insurance institutions are building intelligent platforms based on big data, AI, and cloud computing, aiming for a fully digital insurance service model [6]

Core Viewpoint - The "2025 Shenzhen International Financial Conference" emphasizes the role of the insurance industry in building a strong financial nation and supporting the high-level opening of the Greater Bay Area, highlighting the need for the industry to evolve from traditional risk compensation to comprehensive risk management [2][4]. Group 1: Insurance Industry's Role - The insurance industry is crucial in balancing safety and development, serving the real economy, and strengthening social security [2]. - The industry must align closely with national strategies and integrate deeply into the financial innovation of the Greater Bay Area [4]. Group 2: Financial Policy and Innovation - A preliminary financial policy matrix for the Greater Bay Area has been established, with significant reforms and pilot programs set to enhance cross-border financial services [4][5]. - Innovations in cross-border financial connectivity, such as currency bridge settlement and cross-border vehicle insurance, have made significant progress [5]. Group 3: Supporting the Real Economy - The insurance sector needs to accurately meet the demands of the modern industrial system, particularly in critical areas like high-end chips and industrial software [5]. - Customized insurance solutions are being developed to help technology companies mitigate risks associated with rapid technological changes [5]. Group 4: Green Transformation - The insurance industry is focusing on supporting green projects through long-term capital tools and integrating extreme weather risks into coverage [6]. - Insurance funds in Guangdong have reached 37 trillion yuan, with potential for greater impact in green infrastructure [6]. Group 5: Social Security and Risk Management - The industry must address challenges posed by an aging population and new employment models, leveraging digital tools to reduce operational costs [6]. - A proactive regulatory framework is needed to enhance risk identification capabilities, utilizing technology to build disaster databases and improve risk models [6][7]. Group 6: Strategic Opportunities - The insurance sector is encouraged to seize opportunities presented by the "15th Five-Year Plan," positioning itself as a protector of safe development across various sectors [7].

Core Insights - The establishment of the Qingdao Technology Finance Alliance aims to enhance the quality and efficiency of technology finance services, supporting the development of the technology innovation industry in Qingdao [1][2] Group 1: Alliance Structure and Objectives - The alliance consists of 78 institutions, including banks, insurance companies, guarantee firms, and investment institutions, focusing on providing comprehensive financial services for technology enterprises [1][2] - The alliance seeks to integrate various resources from government, banks, investments, insurance, and guarantees to support technology enterprises in enhancing their R&D and innovation capabilities [2][3] Group 2: Collaboration and Information Sharing - Information sharing is crucial for achieving collaboration, innovation, and win-win outcomes among alliance members [3] - The alliance plans to strengthen connections with industry departments and enhance the existing financial service platforms in Qingdao to provide diverse and comprehensive information [3] Group 3: Financial Support Mechanisms - The Qingdao Financing Guarantee Group aims to act as a "credit enhancer" for technology enterprises, ensuring they understand and access policy benefits [4] - The alliance promotes a risk-sharing mechanism among financial institutions to alleviate financing difficulties faced by technology enterprises [4] Group 4: Investment Strategies - Guolian Securities focuses on binding equity investments with the growth resources of technology enterprises, supporting early-stage and growth-stage companies through tailored investment strategies [6][7] - The firm also emphasizes the importance of IPOs in unlocking the capital value of technology enterprises by clarifying asset ownership and enhancing financial reporting [7] Group 5: Insurance Products for Technology Enterprises - Customized insurance products are developed to provide risk protection for technology enterprises at various stages, including R&D, trial production, and market promotion [9][10] - The insurance offerings include trial insurance and major technology breakthrough insurance, which have successfully supported enterprises in securing financing [9][10] Group 6: Support for Key Technologies - The alliance prioritizes support for critical technology projects within key industries such as integrated circuits and artificial intelligence, providing tailored resources and guarantees [10] - In 2023, the insurance sector has provided risk protection amounting to 3.478 trillion yuan for 1,810 technology enterprises in Qingdao, particularly in the marine technology sector [10]

Core Insights - The insurance industry is increasingly supporting the development of specialized and innovative companies by providing tailored insurance products that cover the entire lifecycle of technology enterprises [1][2] Group 1: Insurance Support for Technology Enterprises - The insurance sector has developed a comprehensive range of products and services aimed at supporting technology companies, enhancing the scope and precision of technology insurance [1][2] - Clinical trial liability insurance has emerged to bolster market confidence and facilitate orderly medical research, covering potential liabilities arising from adverse reactions during clinical trials [2][3] Group 2: Risk Management and Digital Security - Insurance plays a crucial role in risk management for biotechnology firms, providing essential coverage for clinical trials and drug safety, with China Pacific Insurance offering a total of 42.3 billion yuan in insurance coverage for 262 biotech companies in Suzhou [3] - As digital transformation accelerates, cybersecurity insurance has become vital for enterprises, addressing risks associated with data recovery, ransomware attacks, and cybersecurity liability [3][4] Group 3: Intellectual Property Protection - Intellectual property insurance is critical for specialized and innovative companies, providing a safety net against infringement and supporting innovation by protecting core assets [4][5] - Companies like Shangjiukai have adopted various insurance products to safeguard against market challenges, with total risk coverage exceeding 5 billion yuan since inception [5] Group 4: Growth and Market Aspirations - The support from the insurance industry allows specialized and innovative companies to focus on research and development, with some companies planning to enter capital markets through IPOs or mergers [5]

Core Viewpoint - The Chinese government has approved a two-year pilot program for market-oriented allocation of factors in ten regions, aiming to enhance economic efficiency and promote high-quality development through comprehensive reforms [1][2]. Group 1: Pilot Program Details - The pilot program will be implemented in ten regions, including Beijing's urban sub-center, key cities in southern Jiangsu, and the Guangdong-Hong Kong-Macau Greater Bay Area, among others [1][2]. - The program aims to create a replicable model for nationwide implementation, focusing on improving the quality of factors, ensuring smooth flow of resources, and maximizing market potential [2][4]. Group 2: Specific Reforms and Measures - The pilot program includes measures to integrate technology and capital, promote technology transfer, and support financial institutions in providing diverse financing options for technology commercialization [3]. - The Guangdong-Hong Kong-Macau Greater Bay Area will develop a multi-tiered capital market, enhance listing systems, and establish a comprehensive service platform connecting technology and capital markets [3]. Group 3: Support from Various Departments - The Ministry of Human Resources and Social Security emphasizes increasing job opportunities, enhancing service supply, optimizing market environments, and improving skill training to support the pilot regions [5]. - The Ministry of Natural Resources will grant pilot regions greater autonomy in land management and promote efficient land use through innovative supply systems and standards for low-efficiency land [6]. Group 4: Financial Support and Risk Management - The People's Bank of China will enhance financial support for the pilot regions, focusing on improving financial services, promoting digital finance, and ensuring risk management to prevent systemic financial risks [7].

Core Viewpoint - The State Council of China has approved a pilot program for the market-oriented allocation of factors in ten regions, aiming to enhance the efficiency of resource allocation and promote high-quality economic development over the next two years [1][4]. Group 1: Pilot Regions and Objectives - The ten pilot regions include Beijing's urban sub-center, key cities in southern Jiangsu, Hangzhou-Ningbo, Hefei metropolitan area, Fuzhou-Xiamen-Quanzhou, Zhengzhou, Changsha-Zhuzhou-Xiangtan, the Guangdong-Hong Kong-Macao Greater Bay Area, Chongqing, and Chengdu [1][2]. - The pilot program aims to stimulate innovation in technology factors, promote efficient land allocation, guide the rational flow of human resources, and enhance the capital factor's service to the real economy [2][4]. Group 2: Specific Measures and Focus Areas - The pilot program emphasizes the integration of technology and capital, exploring the capitalization of technology, and supporting financial institutions in providing more financial products for technology transfer [3][4]. - The Guangdong-Hong Kong-Macao Greater Bay Area's plan includes developing a multi-tiered capital market, improving listing systems, and establishing a comprehensive service platform connecting technology and capital markets [3][4]. Group 3: Government Support and Framework - The pilot program is characterized by its broad scope, covering various factors and regions, and aims to create replicable experiences for factor market reforms [4][5]. - The Ministry of Human Resources and Social Security supports the pilot regions by enhancing employment opportunities, improving service supply, optimizing market environments, and focusing on capacity building [5][6]. Group 4: Land and Financial Market Reforms - The reform includes enhancing land management autonomy for pilot regions, promoting the market entry of rural collective operating construction land, and improving the supply system for industrial land [6][7]. - The People's Bank of China will support the pilot regions by improving financial services, enhancing the capacity of capital factors to serve the real economy, and ensuring financial stability while promoting market-oriented reforms [7].