（原标题：书写"科技金融"大文章，险企赋能低空经济｜广东金融大讲堂） 【广东金融大讲堂】 主持人：南方财经股市广播 梁欣 本期嘉宾：中国人民财产保险股份有限公司广州市分公司党委委员、副总经理李琪 以下为采访内容整理稿： 主持人：大家好，欢迎来到由中共广东省委金融委员会办公室、中共广州市委金融委员会办公室主办的 《广东金融大讲堂》。我是主持人梁欣。 本期节目，聚焦科技金融浪潮中的低空经济新赛道，特别邀请中国人民财产保险股份有限公司广州市分 公司党委委员、副总经理李琪，李总做客，一同聊聊人保财险如何携手亿航，以科技金融之力，开拓低 空经济发展新图景，欢迎李总。 李琪：融合点体现在多个维度。从产业端看，低空经济高度依赖科技研发，像亿航智能的载人级自动驾 驶电动垂直起降飞行器，涉及人工智能、航空航天等多领域前沿技术，科技属性强，这与科技金融支持 创新研发的理念天然契合。从金融服务看，低空经济企业在研发、生产、运营各阶段，需要"保险+服 务"等综合金融服务，科技金融能够通过产品创新、模式创新，为其提供全周期支持。这种深度融合， 既有助于低空经济科技成果转化，也为科技金融开拓了新的应用场景。 话题二：首单落地，树立"保险 ...

Core Viewpoint - The development of the technology finance system in China has made significant progress, yet challenges such as financing difficulties and high costs for technology-based SMEs remain unresolved, necessitating improved financial empowerment mechanisms [1] Group 1: Theoretical Mechanisms of Financial Empowerment - The evolution of credit mechanisms is crucial for addressing financing challenges, requiring a shift from traditional asset-based evaluations to models that incorporate R&D investment, market prospects, and intellectual property [2] - The concept of "patient capital" aligns with the long cycles of technological innovation, emphasizing the need for long-term investment that tolerates extended return periods [3] - A systemic integration of finance and technology is essential, advocating for a financial system that supports all stages of the innovation chain [4] Group 2: Practical Pathways for Technology Finance Support - Credit support has evolved with specialized institutions and innovative products, including long-term loans tailored to R&D cycles [5] - Technology insurance products are being developed to mitigate risks associated with high uncertainty in tech activities, providing a safety net for innovative enterprises [6] - Capital markets are being enhanced to facilitate direct financing for tech firms, with regulatory adjustments allowing unprofitable companies to issue stocks [7] - Knowledge property financing is gaining traction, enabling tech firms to leverage intangible assets for loans, significantly benefiting SMEs [8] - Government-led venture capital funds are mobilizing social capital towards tech innovation, focusing on early-stage investments [9] - Financial infrastructure and regulatory frameworks are being strengthened to support sustainable development in technology finance [10] Group 3: Existing Issues and Improvement Strategies - There are significant barriers in policy implementation, market supply-demand mismatches, and insufficient financial products tailored to tech innovation needs [11][12] - Recommendations include enhancing policy execution, creating intelligent financial service platforms to reduce information asymmetry, and improving risk-sharing mechanisms [13][14] - Financial institutions are encouraged to develop innovative products that cater to the diverse needs of tech enterprises, ensuring access to appropriate financing tools at various growth stages [15]