AI浪潮下，当传统保险遇上人工智能，会碰撞出怎样的火花？连日来，在第十九届深圳国际金融博览 会上，科技保险助力新质生产力的创新实践引关注。现场，一批深圳本土头部险企携多项创新成果亮 相，探索科技保险生成式大模型落地应用、AI智能体重塑保险服务的更多可能。 科技保险政策护航成为看点。11月19日，金博会现场发布了《关于推动深圳科技保险高质量发展的工作 方案（2026-2028年）》的政策亮点和各区配套拟出台的科技保险支持政策，全面完善科技保险服务体 系，这意味着以人工智能为代表的前沿科技将更好赋能保险行业。 面向"十五五"新征程，本届金博会明确提出了深圳打造全球一流金融科技中心等目标，"全球产业金融 中心"的蓝图远景也徐徐展开，为保险业注入"强心针"。 实际上，国家顶层设计也有加持。早在2025年3月，金融监管总局、科技部等联合发布《银行业保险业 科技金融高质量发展实施方案》，鼓励金融机构加大数字化转型投入，确立了数字化转型的整体战略方 向。 那么，"AI+保险+服务"有何新实践？又如何助力新质生产力？ 在运营效率端，腾讯微保将AI技术深度应用到人工服务、内容生产和业务增效环节。技术人士解释， 在客服层面，引入 ...

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].

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]