Core Viewpoint - The banking and insurance sectors are actively positioning themselves in Hainan Free Trade Port, focusing on enhancing financial services to support the development of a modern industrial system characterized by "4+5+3+2" [1][5] Group 1: Financial Institutions' Initiatives - Several financial institutions have established a presence in Hainan, including the opening of the first domestic management-type financial leasing company, ICBC Leasing (Hainan) Co., Ltd. [2] - Major banks such as Guangfa Bank and HSBC have opened branches in Hainan, while strategic cooperation agreements have been signed between Hainan Development Holdings and multiple banks to enhance collaboration in credit, transaction settlement, and industrial synergy [3] Group 2: Asset Growth and Financial Support - As of October 2025, the total assets of Hainan's banking sector are projected to reach 1.96 trillion yuan, a 39.68% increase from the end of 2020, while the insurance sector's total assets are expected to reach 70.48 billion yuan, a 47.99% increase from the same period [3] - Financial institutions are innovating products and services to meet the needs of Hainan's key industries, including tourism, modern services, high-tech industries, and tropical agriculture [4] Group 3: Policy Support and Innovation - Recent policies have been introduced to support the banking and insurance sectors in Hainan, including guidelines for financial support and the establishment of a multi-functional free trade account [4] - Customized financial products have been developed to cater to the specific needs of enterprises in Hainan, alongside unique insurance products addressing special risk protection requirements [4] Group 4: Future Development Plans - Hainan's "14th Five-Year Plan" outlines a vision for the next five years, emphasizing the construction of a modern industrial system and the strategic positioning of financial resources to support key sectors [5] - Industry experts suggest that banks should enhance cross-border financial services and that insurance companies should adapt to changing risk profiles post-closure, offering comprehensive risk solutions [6]

12月18日，海南自贸港正式启动全岛封关运作。中国证券报记者注意到，银行保险业机构积极布局海南 自贸港，通过创新产品服务、提供风险保障等支持海南自贸港建设。多家金融机构表示，下一步，将围 绕海南构建"4+5+3+2"现代化产业体系的发展需要，加大对重点领域的金融服务力度。 金融机构争相落子 近日，工银金租首个境内管理型项目公司工银租赁（海南）有限公司开业仪式在海口市举行，这是首批 在海南自贸港注册的金融租赁管理型项目公司之一。此前，国内首家金融租赁管理型项目公司浦银（海 南）租赁有限公司已成功落地海南。 为迎接海南自贸港封关运作，银行保险业机构持续加大投入，积极拓展在琼业务。 银行业方面，广发银行海口分行、汇丰银行海口分行等近年来相继开业。近日，海南省发展控股有限公 司与交通银行、招商银行、平安银行、渤海银行等多家银行总行签署战略合作协议，在综合授信、交易 结算、产业协同等方面开展深度合作。 保险机构也加快在琼设立分支机构。近年来，泰康养老海南分公司、太平财险海南分公司、安盟财险海 南分公司、紫金财险海南分公司等相继开业；2023年，中国渔业互助保险社海南分社开业，成为海南首 家相互保险组织。 相关数据显示， ...

● 本报记者 陈露 12月18日，海南自贸港正式启动全岛封关运作。中国证券报记者注意到，银行保险业机构积极布局海南 自贸港，通过创新产品服务、提供风险保障等支持海南自贸港建设。多家金融机构表示，下一步，将围 绕海南构建"4+5+3+2"现代化产业体系的发展需要，加大对重点领域的金融服务力度。 金融机构争相落子 近日，工银金租首个境内管理型项目公司工银租赁（海南）有限公司开业仪式在海口市举行，这是首批 在海南自贸港注册的金融租赁管理型项目公司之一。此前，国内首家金融租赁管理型项目公司浦银（海 南）租赁有限公司已成功落地海南。 为迎接海南自贸港封关运作，银行保险业机构持续加大投入，积极拓展在琼业务。 为支持海南自贸港封关运作，2023年中国人民银行制定了海南自贸港资金"电子围网"建设方案，部署在 海南建设多功能自由贸易账户（EF账户）。此类账户自2024年5月上线以来持续扩面增量。 同时，多家银行针对企业需求推出定制化金融产品，例如结合海南的旅游业、现代服务业、高新技术产 业和热带特色高效农业四大主导产业特点，创新推出一系列特色信贷产品，开设融资绿色通道。 保险机构围绕海南自贸港建设中的特殊风险保障需求，推出多项 ...

Core Viewpoint - The first loss compensation insurance for shared scientific research instruments has been implemented in Suzhou, addressing long-standing issues related to equipment damage liability, thereby encouraging the sharing of high-end research instruments [2][3]. Group 1: Insurance Implementation - The insurance provides over 4 million yuan in risk coverage for large shared scientific research equipment at Suzhou University of Science and Technology [2]. - The insurance scheme integrates a "sharing economy + technology insurance" model, covering risks from design defects, installation errors, and operational mistakes [3]. Group 2: Impact on Research Institutions - The Suzhou University of Science and Technology has been providing technical support services for medical device and raw material R&D, owning high-end research instruments valued at over 10 million yuan [2]. - The insurance alleviates concerns about equipment damage, enabling the institution to fully utilize high-end equipment for comprehensive testing services [3]. Group 3: Future Directions - The municipal science and technology department plans to collaborate with instrument management departments, universities, and maintenance units to promote the use of more scientific instruments outside laboratories [3].

Core Insights - The first research instrument open-sharing loss compensation insurance has been implemented in Suzhou, providing over 4 million yuan in risk coverage for shared scientific equipment [1][2] - The initiative addresses long-standing issues related to damage liability, making it easier for institutions to share high-end research instruments [1][2] Group 1: Insurance Implementation - The insurance scheme integrates a "sharing economy + technology insurance" model, covering risks from design defects, installation errors, and operational mistakes [2] - This measure alleviates safety concerns for instrument-holding units and removes barriers for small and medium-sized innovative enterprises in utilizing high-end equipment [2] Group 2: Impact on Research and Development - The insurance boosts confidence among research teams to fully utilize high-end equipment in their testing services, enabling them to provide more comprehensive and advanced testing services to enterprises [2] - The local technology department plans to collaborate with instrument management departments, universities, and maintenance units to promote further sharing of research instruments, enhancing the efficiency of technological resource sharing [2]