护航科技创新，金融机构一直在路上。近日，中国证券报记者走进多家专精特新公司和中国太保 （601601）产险苏州分公司，调研保险力量如何支持新质生产力发展。 走进苏州工业园区播禾创新中心，这里是江苏省首批标杆孵化器，致力于成为中国首家信息科技（IT） 及生物科技（BT）交叉融合的创新孵化中心。在该中心，中国证券报记者看到，已有多家生物医药企 业入驻，同时，中国太保产险苏州分公司也在此设有经营机构。 中国证券报记者在采访中获悉，近年来，保险业已开发覆盖科技企业全生命周期的保险产品和服务体 系，创新产品不断落地，科技保险保障范围和精准度进一步得到拓展与提升。在科技保险的保障之下， 专精特新企业在产业发展、成果转化上明显加速。 生物医药产业是一个典型的高投入、长周期行业。研发新药需要巨额资金投入，研发周期长达10年以 上，且新药上市前需历经复杂漫长的临床试验，时间与资金投入占新药研发总投入的比重较大。 ● 本报记者 黄一灵 提供风险保障 业内人士认为，知识产权是专精特新企业的核心资产，知识产权保险则是专精特新企业的坚固后盾，破 解了其创新发展的焦虑，"保"住了创新成果，"护"住了技术命脉。 "作为一家科技型中小企业， ...

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].

Group 1 - The core viewpoint of the article is that Ningxia has introduced 23 specific measures to optimize the business environment in the field of intellectual property, aiming to support innovation and high-quality economic development [1][2][3] - The measures are structured around four dimensions, focusing on providing a more efficient, convenient, and robust intellectual property support system for enterprises [1] - Actions include ongoing enforcement campaigns against infringement and counterfeiting, promoting a dual-brand development model, and encouraging financial institutions to develop products like intellectual property insurance and pledge financing [1][2] Group 2 - In terms of creating a new legal environment, Ningxia will promote the implementation of the regional intellectual property protection regulations and enhance policies related to patent disputes, geographical indication protection, and copyright protection [1][2] - The region will also focus on emerging fields such as artificial intelligence and data intellectual property, strengthening research and institutional design to ensure the development of intellectual property rules [1][2] - To enhance international service capabilities, Ningxia will support local特色产业 (characteristic industries) like wine and goji berries to expand internationally, establishing rapid response mechanisms for overseas intellectual property disputes [2][3] Group 3 - The government aims to improve the efficiency of public services by integrating various intellectual property services into a unified platform, significantly reducing the costs for enterprises [2] - The measures include expanding the coverage of intellectual property custody services and optimizing the patent fee reduction process to enhance the standardization and personalization of government services [2] - The implementation of these measures is expected to boost the creation, utilization, protection, and management of intellectual property in Ningxia, thereby stimulating market vitality and social creativity [3]

Core Insights - The event aimed to enhance the promotion of intellectual property insurance and improve communication between insurance companies and enterprises, particularly foreign enterprises [1][3] - The significance of intellectual property protection in stimulating innovation and building a top-tier innovation ecosystem was emphasized [3] Group 1: Policy and Strategy - The Jinan Market Supervision Administration provided insights into the latest policies and strategic layouts for intellectual property protection [3] - The introduction of comprehensive intellectual property protection insurance policies was discussed to help enterprises manage risks effectively and reduce the costs of rights protection [3] Group 2: Insurance Products and Services - Representatives from insurance institutions such as China People's Property Insurance and Guoren Property Insurance shared professional insights on intellectual property insurance products and service solutions [3] - The role of insurance in supporting enterprises' rights protection and mitigating innovation risks was highlighted [3] Group 3: Practical Experience and Collaboration - A representative from Shandong Guanlong Medical Supplies Co., Ltd. shared practical experiences in building an intellectual property management system and risk prevention [3] - The event fostered a lively atmosphere for exchanges, leading to preliminary cooperation intentions between several technology-oriented and export-oriented enterprises and insurance institutions [3] Group 4: Future Initiatives - The event is part of ongoing efforts to optimize the business environment and support the high-quality development of technology-oriented and foreign enterprises [3] - Jinan High-tech Zone plans to continue strengthening intellectual property protection services by integrating policies, financial resources, and market resources to support enterprise innovation and international development [3]

Core Insights - The implementation of technology finance policies is significantly accelerating the development of technology insurance, enhancing the insurance industry's ability to support the real economy [1][2][4] Group 1: Policy Developments - The Chinese government has introduced a series of policies aimed at enriching technology insurance products and optimizing technology insurance services, with a focus on supporting innovation and mitigating risks [1][2] - The "Implementation Plan" emphasizes the role of technology insurance as a stabilizer for innovation, encouraging the insurance industry to innovate products and services [1][3] Group 2: Product Innovations - New insurance products are emerging to cover the entire process of technology activities, including research and development, results transformation, and intellectual property protection [2][3] - The first comprehensive insurance for technology research and development transformation was launched in Sichuan, providing risk coverage for R&D expenses [3] - The first knowledge property insurance in Hunan was issued, covering core patents with a total insured amount of 1.6 million yuan, enhancing protection for technology companies [3] Group 3: Risk Management Mechanisms - The insurance industry is focusing on creating risk dispersion mechanisms for major technology projects, including the establishment of a commercial space insurance consortium to share risks among multiple insurers [7] - The first specialized operational liability insurance for low-altitude economy operators was launched, addressing specific risks in this emerging sector [6][7] Group 4: Investment Reforms - Insurance funds are increasingly directed towards technology innovation, with policies allowing insurance companies to invest in private equity funds and unlisted enterprises [8][9] - The total amount of pilot projects for long-term investment by insurance funds has reached 222 billion yuan, facilitating substantial capital flow into the technology sector [8] Group 5: Collaboration and Market Trends - Major insurance companies are seizing opportunities from long-term investment policies, with significant capital raised for private equity funds targeting technology sectors [9][10] - The collaboration between insurance companies and industry funds is creating new investment models, enhancing support for strategic emerging industries [10]

Core Viewpoint - The Guangzhou Development Zone and Huangpu District are implementing new financial policies aimed at enhancing financial services for the real economy, focusing on targeted support for enterprises' financing needs and promoting high-quality industrial development. Group 1: Financial Support Measures - The new policies include financial support measures such as a maximum of 20 million yuan for qualifying financial institutions, 500,000 yuan for knowledge property pledge financing per enterprise, and the establishment of a 5 billion yuan technology innovation and entrepreneurship investment fund [1][2]. - The policies aim to encourage the establishment of licensed financial institutions and provide substantial startup cost support, with up to 20 million yuan for new headquarters and 1.5 million yuan for specialized subsidiaries [2][4]. Group 2: Focus on Intellectual Property - The new policies emphasize intellectual property as a key focus, addressing the long-standing issue of "light assets and financing difficulties" faced by technology enterprises [5][6]. - Support for enterprises obtaining pledge financing through legally owned intellectual property includes a maximum of 50% of actual financing interest, capped at 500,000 yuan per enterprise [6][7]. Group 3: Venture Capital and Investment - The policies provide funding subsidies for venture capital firms investing in non-listed companies, with a cumulative maximum of 20 million yuan [4]. - Venture capital firms investing in seed and early-stage technology innovation enterprises for over two years can receive up to 100,000 yuan per investment [4]. Group 4: Financial Innovation and Services - The policies encourage financial product and service innovation, with support for national-level financial innovation pilot projects and green finance product innovations, offering up to 100,000 yuan for each approved project [8]. - The establishment of a 5 billion yuan technology innovation and entrepreneurship investment fund aims to attract social capital to strategic emerging industries [8]. Group 5: Support for Listed Companies - The district promotes the standardization of corporate governance for listed companies and leverages capital markets for high-quality development, with a structured approach to nurturing potential listed companies [9][10]. - The district has cultivated nearly 400 seed enterprises and is actively guiding them towards becoming key players in the market [10].

Core Viewpoint - The introduction of patent execution insurance for Hunan Biyuan Biotechnology Co., Ltd. represents a significant step in protecting core technologies and encouraging innovation in the biotechnology sector [1][2]. Group 1: Company Insights - Hunan Biyuan has successfully insured two core biological technology patents with a total coverage amount of 1.6 million yuan, supported by the Changsha Economic Development Zone [1]. - The insurance allows the company to focus on research and innovation without the burden of potential legal costs associated with patent infringement [2]. Group 2: Industry Trends - The insurance industry is increasingly becoming an accelerator for technological innovation by offering specialized products like research failure insurance and intellectual property insurance [2]. - The launch of the first intellectual property insurance in Hunan reflects China Pacific Insurance's commitment to supporting the high-quality development of the real economy and emerging industries such as integrated circuits, biomedicine, artificial intelligence, and low-altitude economy [2].

Group 1 - The company, as the exclusive insurance supplier for the "Su Super" league, has developed tailored risk protection plans to support event operations, showcasing the innovative practice of financial empowerment in the sports industry [1] - The collaboration project reflects the company's technological advancements, utilizing a digital platform to create specialized insurance solutions such as comprehensive liability insurance and accident insurance for staff, demonstrating the company's professional capabilities in risk management for large sports events [1] - The company has also addressed the urgent need for cybersecurity in emerging sectors like blockchain and smart investment advisory by drafting and filing comprehensive cybersecurity insurance clauses, covering core risks in digital finance [1] Group 2 - The company has introduced innovative insurance products to support the national "dual carbon" goals, including compensation insurance for distributed photovoltaic power generation losses and performance warranty insurance for new energy storage systems, contributing to the green transformation of the construction industry [2] - The scale of green insurance risk protection is projected to reach 1.7 billion yuan in 2024, representing a 15% year-on-year growth, indicating the company's commitment to fostering green development [2] - The company has extended its services to various aspects of public welfare, including the "Jiangsu Medical Insurance No. 1" product, which has benefited over one million families, and long-term care insurance covering 183.4 million people in multiple cities [2] Group 3 - The company emphasizes its role in safeguarding intellectual property for innovative enterprises and ensuring safety in sports, reflecting its commitment to "finance for the people" [3] - The company plans to continue deepening the cross-sector integration of insurance protection to provide stronger support for the economic and social development of Jiangsu [3]

2025年6月6日，第二届"保险家论道"研讨会暨中国保险竞争力排行榜发布会在北京成功举 办。本次研讨会由清华大学五道口金融学院《清华金融评论》编辑部主办，会议主题 为："保险服务中国式现代化"。会议上，多位来自国内保险领域的顶尖学者和资深从业 者，围绕保险行业如何做好五篇大文章，推动经济高质量发展等话题进行交流探讨。现场 座无虚席，受到社会各界人士的广泛关注。 北京保险行业协会会长陈志强以《"创新驱 动，服务首都"——共绘保险业高质量发展新蓝图》为题做主题演讲。 陈志强 提出，面对中国式现代化进程中的新机遇与新使命，北京保险业要在"创新驱动、服 务首都"的实践中走在前列、作出示范。他表示，北京保险业将持续夯实风险治理体系，强 化"自律+监管+科技"三位一体机制，提升行业韧性与风险防控能力；深化产品与制度创新， 探索绿色保险、科技保险、长期护理保险等新兴领域，推动"商保+社保"融合；服务国家重大 战略与首都民生保障，不断拓展在城市治理、防灾减灾、普惠保障等方面的应用场景；并加 快金融科技转型，赋能保险服务提质增效。此外，北京还将积极推动区域协同与政策创新， 建设"保险+社会治理"新模式，努力打造具有首都特色的高 ...