党的二十届四中全会擘画了"十五五"发展宏伟蓝图，对加快高水平科技自立自强、引领发展新质生产力作出科学部署，为做好金融"科技大文章"明确了行动 方向。人保财险各级党组织坚决贯彻党中央决策部署，落实人保集团党委工作要求，以守正创新的金融实践，推动保险保障精准覆盖"实验室—生产线—大 市场"创新全链条。 党建引领强化源头保障， "这种科研项目虽然应用前景好，但技术难度高，不确定性大。投保后，我们推进项目研发的信心和底气都更足了。"雄安新区某科创企业的负责人拿到概念 验证与小试综合保险保单后如此表示。近年来，人保财险聚焦创新起步阶段，在雄安新区、江苏、安徽、湖北等地同步签发首批概念验证与小试保险、中试 验证保险。截至2025年末，全系统为AI诊断、医疗健康等前沿领域科创项目提供风险保障超67亿元，以明确的风险兜底推动一批原始创新成果萌发落地。 党建共建聚焦产业转化， 支撑"从1到100"的跨越发展 为推动科技成果跨越产业化的"死亡之谷"，实现从实验室零星样品走向规模化生产的"从1到100"跃升，人保财险各级推动服务模式转型，对接重点实验室与 产业园区，通过联学联建开拓服务前沿阵地，共同突破成果转化的风险瓶颈。 "技术 ...

在推动产品专属化，精准匹配企业全生命周期方面，北京金融监管局引导辖内保险公司聚焦新一代信息 技术、人工智能、生物技术等重点领域，逐步构建覆盖基础研究、技术研发、成果转化、推广应用等关 键环节保险补偿机制，着力加大对国家重大科技任务和专精特新企业的保险保障力度。指导行业组建全 国首个商业航天保险共保体组织——北京商业航天保险共保体，2025年3月成立以来，已为17次发射项 目提供风险保障近77亿元，助力北京打造"南箭北星"商业航天产业格局。 北京金融监管局表示，2025年在科技金融方面，坚持重点突破，深入开展"四项试点"。其中，支持保险 资金长期投资改革试点稳步推进，辖内4家险企试点获批约210亿元，落地进程近半。印发专项行动方案 推进知识产权金融生态综合试验区试点落地，在全国首创知识产权海外保险，辖内知识产权质押贷款余 额同比增长40.5%。 （编辑：李晖 审核：何莎莎 校对：颜京宁） 中经记者 陈晶晶 何莎莎 北京报道 2025年12月30日，《中国经营报》记者从国家金融监督管理总局北京监管局（以下简称"北京金融监管 局"）获悉，北京金融监管局认真落实金融监管总局关于金融支持新质生产力发展的相关要求，以深入 ...

Group 1: Financial Services for High-Tech Industries - During the "14th Five-Year Plan" period, the banking and insurance sectors in Beijing have provided over 100 financing and insurance products for local industries [1] - As of September 2025, the loan balance for high-tech industries in Beijing is expected to exceed 1 trillion yuan, with an average annual growth rate of nearly 20% over the past three years, which is 10 percentage points higher than the average growth rate of all loans during the same period [1] - From January to September, the insurance sector in Beijing utilized technology insurance to provide risk coverage exceeding 5 trillion yuan for nearly 4 million enterprises, with premium income doubling year-on-year [1] Group 2: Investment in Financial Asset Companies - Beijing is accelerating the pilot implementation of equity investments by financial asset investment companies, with over 30 projects in reserve and an intended scale of nearly 30 billion yuan, leading the nation [2] - The insurance sector in Beijing has approved pilot projects for long-term investment reforms amounting to approximately 21 billion yuan, with nearly half of the projects already in progress, providing stable funding for high-tech industry development [2] Group 3: Intellectual Property Financial Ecosystem - Beijing is expediting the construction of a comprehensive financial ecosystem for intellectual property, aiming to become one of the first national pilot cities for this initiative [3] - The city has introduced the first overseas insurance for intellectual property, providing risk coverage exceeding 100 million yuan for export enterprises, and the balance of intellectual property pledge loans has increased nearly threefold over the past four years [3] - Beijing has established the first commercial aerospace mutual insurance organization in the country, which has shortened the inquiry and underwriting period for rocket and satellite launch projects by 20% [3] Group 4: Enhancing Financial Services for High-Tech Industries - Beijing is addressing the financing challenges faced by enterprises by establishing the Zhongguancun Science and Technology Financial Service Center, which aggregates quality financial institutions and other stakeholders [4] - The center has processed nearly 30 billion yuan in business over the past three years, with over 90% of the supported entities being specialized and innovative enterprises in key sectors such as software information, artificial intelligence, biomedicine, and energy conservation [4] - The Beijing Financial Regulatory Bureau plans to continue directing more financial resources towards key technology sectors to inject stronger financial momentum into the development of high-tech industries [4]