Core Viewpoint - The Shenzhen Municipal Financial Management Bureau has solicited public opinions on the "Action Plan for the Insurance Industry to Support Technological Innovation and Industrial Development (2026-2028)", which sets quantitative goals for insurance in technology and emerging industries [1] Group 1: Quantitative Goals - The plan aims for an annual growth rate of over 10% in technology insurance premium income, providing risk protection exceeding 5 trillion yuan for tech companies each year [1] - It targets the launch of at least 30 innovative insurance products annually in emerging industries such as low-altitude economy and artificial intelligence [1] - The total assets of insurance entities in Shenzhen are expected to exceed 11 trillion yuan, with total premium income in the region surpassing 700 billion yuan over three years [1] Group 2: Focus Areas and Support Measures - The plan emphasizes the development of technology insurance, encouraging insurance institutions to research and innovate products in cutting-edge fields like humanoid robots, quantum technology, and commercial aerospace [2] - It proposes the development of specialized insurance products such as major technology equipment insurance, intellectual property insurance, and cybersecurity insurance to precisely serve the real economy and technological innovation [2] - In the realm of artificial intelligence, the plan encourages the establishment of AI insurance innovation centers and the development of comprehensive insurance solutions covering various risk layers [2] Group 3: Sector-Specific Insurance Development - For the biopharmaceutical industry, the plan suggests expanding insurance products to support R&D in pharmaceuticals and medical devices, including liability insurance for clinical trials [3] - It aims to accelerate the development of low-altitude insurance, including mandatory insurance for drones and the establishment of a classification management system [3] - The plan encourages insurance institutions to adapt to the trends of smart driving and collaborate with developers to refine insurance products for intelligent vehicles [3] Group 4: Cross-Border Cooperation and Support - The plan supports cooperation between Shenzhen and Hong Kong insurance institutions to develop medical and pension insurance products tailored to the Greater Bay Area [4] - It promotes the use of trade risk avoidance tools for cross-border e-commerce enterprises and encourages domestic insurance companies to optimize their overseas operations [4] Group 5: Strengthening Insurance Institutions - The plan supports the establishment of legal headquarters for financial enterprises in Shenzhen and encourages both domestic and foreign insurance institutions to set up subsidiaries in various sectors [5] Group 6: Service Improvement and Performance Metrics - The plan emphasizes enhancing underwriting and claims service levels, utilizing advanced technologies to improve efficiency and accuracy in insurance processes [6] - Data shows that Shenzhen's insurance premium income reached 179.74 billion yuan in the first three quarters of 2025, with a year-on-year growth of 12.8%, leading among first-tier cities [6] - As of September, the total assets of insurance entities in Shenzhen reached 9.1 trillion yuan, with a year-on-year growth of 22%, and net profits of 61 billion yuan, reflecting a growth rate of 15.5% [6]

据张广华介绍，建信人寿充分发挥保险资金作为长期耐心资本的优势，将资金精准投向高端制造、人工 智能、芯片等重点科技领域，通过股权、债权等多种形式为新质生产力提供强有力的投融资支持。 其中，依托建信领航战略性新兴产业发展基金及国家制造业转型升级基金股权投资计划等"拳头"项目， 助推战略性新兴产业发展与现代化基础设施建设。截至2025年9月末，建信人寿已累计投入245.67亿元 支持科技金融领域发展，较上年年末增长19.43%。从负债端保障来看，截至2025年9月末，建信人寿共 计为全国1761家"专精特新"类科创企业提供专属保险保障服务，总保障金额接近1800亿元。 张广华进一步认为，要真正成为"耐心资本"，保险机构需在业务模式、投研能力和价值评估体系上进行 深刻变革，以全方位适配科技创新企业的成长、发展规律。 中经记者 陈晶晶 北京报道 建信人寿资产管理部总经理张广华 2025年12月9日，由《中国经营报》主办的"新跨越 新征程 2025卓越竞争力金融论坛"上，建信人寿保险 股份有限公司（以下简称"建信人寿"）资产管理部总经理张广华表示，在我国金融市场中，保险资金作 为重要的"耐心资本"，在助力"五篇大文章"落 ...

Core Insights - The development of new quality productivity has become a key focus for promoting high-quality development in China, with a five-year plan for technology insurance aimed at expanding coverage, improving quality, and increasing efficiency [1] Group 1: Technology Insurance and Risk Management - The technology insurance system has been established to support key national strategic industries, providing over 10 trillion yuan in risk protection during the 14th Five-Year Plan period [2] - Insurance for first-of-a-kind major technical equipment and new materials has provided nearly 1 trillion yuan in risk protection, supporting 3,600 innovation application projects since its pilot launch in 2015 [2] Group 2: Collaborative Insurance Mechanisms - The collaborative insurance mechanism has enhanced risk coverage in strategic emerging industries, with the first commercial aerospace insurance consortium providing over 5 billion yuan in risk protection for 11 private aerospace projects [3] - The integrated circuit insurance consortium has provided over 4 trillion yuan in risk protection for 30 leading domestic integrated circuit companies over three years [3] Group 3: Comprehensive Services for Innovation - The insurance industry is innovating products to cover the entire innovation chain, including R&D interruption insurance and mid-term project insurance, with a total of 2 billion yuan in financial support planned for mid-term projects over the next three years [4] - Cybersecurity insurance has been initiated to support the digital economy, with over 1,500 policies issued and a total premium of over 150 million yuan during the pilot phase [4] Group 4: Green Insurance Initiatives - The insurance industry is focusing on green transformation needs, developing a range of green insurance products for renewable energy, electric vehicles, and green buildings [5][6] - Insurance companies are exploring "insurance + service" models to help enterprises reduce risks associated with green transformation through risk assessments and low-carbon consulting [6]