构建一个多方共建、协同发展的行业新生态，技术创新与数据共享是基石。业内人士普遍呼吁，应 加强网络安全风险量化技术的研究，鼓励保险机构、再保险公司、网络安全企业、科研院所跨界合作， 共同开发更精准的动态风险评估模型。同时，在保障安全和隐私的前提下，推动行业风险数据的合规共 享，为科学定价奠定基础。 近年来，随着数字经济的快速发展，网络攻击和数据泄露事件频发，给企业和社会带来了严重的经 济损失和信誉风险。2025年12月23日，快手科技发布声明称，其应用的直播功能遭到网络攻击，尽管经 过紧急处置和系统修复，直播功能已逐步恢复正常服务。但此事件迅速引发公众对网络安全问题的关 注。有数据显示，2024年全球公开的重大数据泄露事件涉及数据量同比激增354%。 面对日益复杂严峻的网络安全形势，传统的技术防御体系虽不可或缺，但已显独木难支之势。网络 安全保险日益成为转移、防范网络安全风险的重要工具，在推进网络安全社会化服务体系建设中发挥着 重要作用。 发展面临挑战 网络安全保险，是指对企业或个人因发生网络安全事件造成的经济损失及相应法定责任给予赔偿的 一种财产保险，其保障范围广泛覆盖了勒索软件攻击、数据泄露、业务中断等可承 ...

从2025年1月份深度求索(DeepSeek)遭境外攻击致使系统瘫痪，到近期快手应用因黑灰产攻击而临时下 架直播频道，日益频发的网络安全事件正在敲响警钟：网络攻击无孔不入、破坏力强，不少企业在网络 安全防护与保险保障方面仍存短板。网络安全保险作为承保网络安全风险的新险种、网络安全服务的新 模式，有利于行业企业提升网络安全风险应对能力，促进企业数字化转型发展。 为加快推进网络安全保险新模式落地应用，2025年11月，工业和信息化部、金融监管总局组织开展第二 批次网络安全保险服务试点工作，主要面向电信和互联网、工业、金融等行业领域征集案例，并提出推 动需求侧企业提升网络安全保险意识，积极利用网络安全保险服务提升网络安全防护水平，同时推动网 络安全和金融服务融合创新，建立网络安全保险行业协作机制。 业内人士表示，网络安全保险通常由保险公司与提供风险减量服务的第三方科技企业合作，将漏洞扫描 等风险管理服务前置化，尽可能降低企业发生风险的概率；一旦发生真实损失，保险公司再进行赔付托 底。建议创新保险产品和服务方式，积极推广普惠型、创新型网络安全保险，不断提升服务质量，培育 网络安全保险发展良性生态。 (责任编辑：孟茜云 ...

业内人士表示，网络安全保险通常由保险公司与提供风险减量服务的第三方科技企业合作，将漏洞扫描 等风险管理服务前置化，尽可能降低企业发生风险的概率；一旦发生真实损失，保险公司再进行赔付托 底。建议创新保险产品和服务方式，积极推广普惠型、创新型网络安全保险，不断提升服务质量，培育 网络安全保险发展良性生态。 （文章来源：经济日报） 绿盟科技发布的《DDoS攻击威胁报告（2025版）》显示，DDoS攻击的威胁正日益复杂化和多样化，互 联网行业以35.21%的占比成为DDoS攻击的首要目标，这主要是由于其拥有大量高价值用户数据，并且 高度依赖网络业务。金融行业以26.36%的占比紧随其后，因其涉及大规模资金流动和交易活动，攻击 者可通过DDoS攻击直接获取经济利益，且金融系统的互联互通特性进一步扩大了其受攻击的风险范 围。 当前网络威胁形势日新月异，但我国网络安全保险市场仍不够成熟，具有较大增长潜力。瑞士再保险预 计，网络安全保险2025年全球保费将达到156亿美元，其中，北美及欧洲的市场成熟度较高，保费份额 约占87%。从投保率来看，全球中小企业和微型企业存在巨大的保障缺口，网络安全险保费总额仅占 30%。主要原因在 ...

Core Viewpoint - The implementation plan for high-quality development of digital finance in the banking and insurance sectors emphasizes a dual-driven approach of digital technology and data elements, aiming to enhance the integration of the insurance industry into the real economy and national strategies [1][2]. Group 1: Digital Financial Development Goals - The plan outlines major goals for the insurance industry's digital financial development over the next five years, focusing on significant progress in digital transformation and the enhancement of capabilities driven by digital technology and data elements [2]. - It encourages the exploration of innovative applications of digital technology and data elements, aiming to improve financial service quality in key areas such as technology, green finance, inclusive finance, and elderly care [2]. Group 2: Organizational Structure and Governance - The plan prioritizes establishing a robust governance mechanism for digital finance, requiring insurance institutions to strengthen top-level design and build a digital operation system [3]. - It mandates the formation of leadership groups or committees responsible for digital finance, emphasizing the need for unified metrics that align digitalization with business growth and service quality [3]. Group 3: Risk Management and Service Integration - The plan identifies eight key areas for digital financial empowerment, highlighting the evolution of insurance from post-event compensation to risk reduction and insurance protection [4][5]. - It proposes the development of insurance products that provide risk coverage for technology enterprises, focusing on network security and data asset risks, thereby opening new opportunities for the insurance sector [4]. Group 4: Enhancing Financial Services - The plan calls for the development of personalized digital financial products to improve financial services in healthcare and elderly care, while addressing the digital divide [6]. - It emphasizes the importance of data collaboration between insurance institutions and healthcare providers to enhance consumer experience and compliance with data protection regulations [6]. Group 5: Support for Rural Revitalization - The plan encourages the use of IoT and AI technologies to broaden the scope of agricultural insurance products, enhancing efficiency in loss assessment and reducing moral hazard [6]. - It aims to integrate remote sensing and mobile internet data into agricultural insurance, thereby improving the overall risk management capabilities of the insurance industry [6].

12月26日金融一线消息，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展实施方 案》。其中提出，支持科技型企业创新成长。围绕科技型企业"两高一轻"特点，建立科创大数据集为企 业识别画像。合理运用智能审批授信模型提高审批效率，对未通过线上审批的客户提供线下补充申请渠 道。探索发展数据资产、网络安全等相关保险业务，为科技创新应用提供风险保障。 责任编辑：王馨茹 责任编辑：王馨茹 12月26日金融一线消息，国家金融监督管理总局办公厅印发《银行业保险业数字金融高质量发展实施方 案》。其中提出，支持科技型企业创新成长。围绕科技型企业"两高一轻"特点，建立科创大数据集为企 业识别画像。合理运用智能审批授信模型提高审批效率，对未通过线上审批的客户提供线下补充申请渠 道。探索发展数据资产、网络安全等相关保险业务，为科技创新应用提供风险保障。 ...

昨日晚间，快手平台遭到黑灰产攻击，这一事件再次将网络安全问题推至公众视野。企业网络安全方面的问题并非首次。在数字化转型的今天，网络攻击已 从"可能发生的威胁"变成了"随时会发生的现实"。当黑灰产通过网络手段袭击企业时，企业如何应对？网络安全保险，能否成为抵御这场"看不见硝烟的战 斗"的坚强盾牌？ 保险可保黑灰产攻击 12月23日，快手科技发布声明称，公司快手应用的直播功能于2025年12月22日22:00左右遭到网络攻击，公司已第一时间启动应急预案，经全力处置与系统 修复，快手应用的直播功能已逐步恢复正常服务。 近年来，网络攻击与数据泄露事件频频闯入公众视野，其造成的经济损失与声誉损害如滚雪球般难以估量，尤其是对于日活数亿、内容海量的短视频平台而 言。因此，如何有效应对网络安全风险，已成为当前亟待解决的关键问题。 北京商报记者通过多方人士获悉，网络安全保险可以针对"黑灰产攻击"这类网络安全事件带来的部分直接经济损失进行赔偿。但具体的赔偿范围和条件，取 决于具体条款。 "从保险原理上来说，这类网络安全损失属于纯粹损失，保险是可以赔付的。"业内人士对记者表示。 网络安全保险作为一种融合了保险机制与安全技术的风险管 ...

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]

"资本结构变动推动了'重资产到轻资产、轻资产至重资本'全链条、全场景新模态的塑造。轻资产、重资本的时代金融叙事,与创投基金形成良好互动,创造了 诸多二级市场交易机会。"在11月19日开幕的"2025深圳国际金融大会"上，全国社会保障基金理事会原副理事长王忠民这样说。 这次由中国人民大学主办的会议，以"金融强国建设与大湾区高水平对外开放"为主题。"十五五"我国资本市场可能有哪些新变化？对未来有哪些新研判？在 会议上，原中国保险监督管理委员会副主席周延礼，中国人民大学原副校长吴晓求、王忠民等多位业内专家发表了主题演讲。 人工智能时代面临新挑战 吴晓求说，中国人均GDP已从1978年的150美元跃升至2025年的预计1.4万美元，逼近发达国家门槛。经济形态也由"短缺经济"转向"过剩经济"，约220个细 分行业面临产能过剩，仅少数领域存在供给缺口。这一转变要求理论与政策的重心从"扩大供给"转向"追求供需动态平衡"。 他进一步提到，以智能化为核心的第四次工业革命自2010年左右兴起，其发展高度依赖于算力、算法和大数据三大核心要素。得益于在第三次工业革命中打 下的信息产业与互联网坚实基础，以及新能源发展为算力基础设施提供 ...

Core Viewpoint - The recent joint notice by the Ministry of Industry and Information Technology and the Financial Regulatory Administration aims to launch the second batch of cybersecurity insurance service pilot projects, enhancing the integration of cybersecurity and financial services, and promoting high-quality development in the cybersecurity industry [1] Group 1: Cybersecurity Insurance Market - The cybersecurity insurance market is increasingly recognized as a crucial tool for transferring and mitigating cybersecurity risks, especially as data breaches and cyberattacks rise significantly [2][3] - In 2024, there were at least 47.16 billion reported data breaches globally, a 354.3% increase from 10.38 billion in 2023, highlighting the urgent need for effective cybersecurity measures [2] - The average cost of data breaches for global enterprises rose from $4.45 million in 2023 to $4.88 million in 2024, marking a 10% increase [2] Group 2: Pilot Program Details - The second batch of pilot projects will focus on small and medium-sized enterprises (SMEs) and will target industries such as telecommunications, internet, manufacturing, and finance [5][6] - The first pilot program resulted in over 1,500 insurance policies with a total premium of over 150 million yuan and total coverage nearing 11.5 billion yuan, demonstrating strong market demand [4] Group 3: Risk Management and Prevention - Cybersecurity insurance promotes a comprehensive risk reduction model that includes preemptive measures, real-time interventions, and post-incident compensation, enhancing enterprises' ability to manage risks effectively [3] - The new pilot program aims to improve the cybersecurity risk management capabilities of SMEs, particularly those recognized for their specialization and innovation [6] Group 4: Industry Development Challenges - The cybersecurity insurance market in China is still in its early stages, facing challenges such as insufficient risk data for pricing and a lack of standardized operational guidelines [7] - There is a need for improved collaboration among various stakeholders in the cybersecurity insurance ecosystem to enhance service delivery and resource sharing [7] Group 5: Future Directions - To promote the healthy development of the cybersecurity insurance market, several strategies are proposed, including enhancing public awareness, accelerating standard development, and fostering innovation in service delivery [8] - The role of cybersecurity insurance is expected to evolve from merely compensating risks to becoming a key component in the digital economy's security framework, supporting the construction of a resilient digital infrastructure [9]

Core Insights - The development of technology insurance in China is accelerating due to dual drivers of policy and industry, with a significant increase in premium income and a growing demand for risk management solutions [1][11][12] Group 1: Industry Growth and Demand - As of 2024, the insurance industry is expected to provide approximately 9 trillion yuan in technology insurance coverage, reflecting a robust growth trajectory [2] - The number of enterprises insured under patent insurance has increased significantly, with over 28,000 companies covered for more than 110 billion yuan in risk protection from 2011 to 2022 [2] - The number of technology and innovation SMEs in China has surpassed 600,000, highlighting a pressing need for insurance solutions due to high R&D costs and long return cycles [2][12] Group 2: Challenges in Risk Management and Pricing - The primary challenges facing technology insurance include difficulties in risk control and pricing, stemming from the complexity and uniqueness of high-tech industries [2][3] - The lack of historical data and the rapid evolution of risks complicate the development of accurate pricing models for technology insurance [3][11] Group 3: Policy Support and Implementation - Recent policies aim to enhance the technology insurance framework, including the expansion of coverage for first-of-its-kind technology equipment and the introduction of innovative compensation mechanisms [5][6] - Local governments, such as those in Shenzhen and Shanghai, are actively implementing plans to support technology insurance in emerging sectors like artificial intelligence and digital economy [6][7] Group 4: Innovative Insurance Products - New insurance products are emerging to fill gaps in coverage, such as the "Drug Research Insurance" for pharmaceutical R&D and "Smart Research Insurance" for AI and robotics [8][9] - These products address specific risks associated with innovation, providing comprehensive coverage throughout the R&D process [8][9] Group 5: Future Outlook - The technology insurance sector is expected to see further growth driven by policy support and the increasing pace of technological innovation, with a projected 30% year-on-year increase in premium income by the end of 2025 [11][12] - The integration of digital tools and collaborative insurance models is anticipated to enhance risk management capabilities and support the development of cutting-edge technologies [11][12]