护航科技创新，金融机构一直在路上。近日，中国证券报记者走进多家专精特新公司和中国太保 （601601）产险苏州分公司，调研保险力量如何支持新质生产力发展。 走进苏州工业园区播禾创新中心，这里是江苏省首批标杆孵化器，致力于成为中国首家信息科技（IT） 及生物科技（BT）交叉融合的创新孵化中心。在该中心，中国证券报记者看到，已有多家生物医药企 业入驻，同时，中国太保产险苏州分公司也在此设有经营机构。 中国证券报记者在采访中获悉，近年来，保险业已开发覆盖科技企业全生命周期的保险产品和服务体 系，创新产品不断落地，科技保险保障范围和精准度进一步得到拓展与提升。在科技保险的保障之下， 专精特新企业在产业发展、成果转化上明显加速。 生物医药产业是一个典型的高投入、长周期行业。研发新药需要巨额资金投入，研发周期长达10年以 上，且新药上市前需历经复杂漫长的临床试验，时间与资金投入占新药研发总投入的比重较大。 ● 本报记者 黄一灵 提供风险保障 业内人士认为，知识产权是专精特新企业的核心资产，知识产权保险则是专精特新企业的坚固后盾，破 解了其创新发展的焦虑，"保"住了创新成果，"护"住了技术命脉。 "作为一家科技型中小企业， ...

● 本报记者 黄一灵 提供风险保障 走进苏州工业园区播禾创新中心，这里是江苏省首批标杆孵化器，致力于成为中国首家信息科技（IT） 及生物科技（BT）交叉融合的创新孵化中心。在该中心，中国证券报记者看到，已有多家生物医药企 业入驻，同时，中国太保产险苏州分公司也在此设有经营机构。 生物医药产业是一个典型的高投入、长周期行业。研发新药需要巨额资金投入，研发周期长达10年以 上，且新药上市前需历经复杂漫长的临床试验，时间与资金投入占新药研发总投入的比重较大。 为增强市场信心、推动医疗科研有序开展，临床试验责任保险应运而生。此类保险保什么？如何促进医 药产业创新发展？中国太保产险苏州分公司相关负责人介绍，临床试验中，一旦发生因使用试验用药品 引发不良反应，导致受试者人身伤亡或出现财产损失，保险公司将按合同约定进行赔付。该保险不仅保 障了受试者的权益，还减轻了研发机构的经济负担。 护航科技创新，金融机构一直在路上。近日，中国证券报记者走进多家专精特新公司和中国太保产险苏 州分公司，调研保险力量如何支持新质生产力发展。 中国证券报记者在采访中获悉，近年来，保险业已开发覆盖科技企业全生命周期的保险产品和服务体 系，创新产品 ...

《每日经济新闻》记者根据国家金融监督管理总局"财产险公司备案产品目录"统计发现，截至2025年9 月23日，已有22家保险机构累计备案125款网安险相关产品。统计显示，外资机构展现出先发优势，苏 黎世财险（中国）以28款备案产品位居首位，中国太保产险则以22款产品紧随其后，成为中资机构中的 领军者。 据了解，一些试点地区正成为网安险从"普惠培育"向"精准服务"转型的重要试验场。2025年，作为江苏 省六大试点园区之一的苏州高新区，启动首批网安险试点企业推广工作。作为中资险企探索网安险的典 型代表，中国太保产险苏州分公司相关负责人在接受《每日经济新闻》记者采访时表示，国内市场在产 品设计与服务模式上需兼顾国际经验与本土实际。 目前尚处于探索期的国内网络安全保险有哪些痛点？海外成熟市场又有哪些经验可供借鉴参考？ 网络安全保险（以下简称"网安险"）已然成为数字安全领域的补充保障工具。 2023年7月，工业和信息化部与国家金融监督管理总局联合印发《关于促进网络安全保险规范健康发展 的意见》，提出建立健全网安险政策标准体系、加强网安险产品服务创新。在这一政策利好下，市场主 体纷纷展开积极探索。 助力企业网络安全保障 " ...

Core Insights - The forum themed "Let New Technologies No Longer 'Wait for the Wind': Fintech Supporting the New Triangle Cycle" highlighted the transformative impact of artificial intelligence (AI) on the insurance industry, with a focus on high-quality development through deep integration of AI into various business scenarios [1][2]. Group 1: AI Integration in Insurance - The company is advancing its "AI in All" strategy, aiming for comprehensive intelligence across marketing, service, operations, management, and business processes [2]. - In the auto insurance sector, over 86% of policies are now issued automatically by AI, and approximately 46% of claims are processed through automated inspections, significantly enhancing user experience and reducing operational costs by 1% over the past three years [2]. Group 2: AI Model Development - The company identifies four core elements for AI large models: computing power, data, algorithms, and scenarios, supported by a robust organizational structure and talent development [3]. - A "thousand-card scale computing cluster" has been established to ensure efficient AI model deployment, while a knowledge engineering system has accumulated over a trillion tokens to support model training [3]. Group 3: Digital Financial Services for Tech Companies - As of 2024, there are over 600,000 tech SMEs in China, facing challenges in risk assessment and product pricing for insurance [6]. - The company has developed various tech insurance products, including cybersecurity insurance, to meet the diverse needs of tech firms at different growth stages, providing over 1.9 billion yuan in cybersecurity risk coverage [6]. Group 4: Global Risk Management Services - The launch of the EagleX platform offers comprehensive global risk management services, including risk assessment and disaster warning, to support Chinese enterprises expanding overseas [7]. - The company has already assisted 654 renewable energy companies in their international ventures, helping to mitigate losses exceeding 200 million yuan [7].

Core Viewpoint - China Pacific Insurance (Group) Co., Ltd. has made significant progress in implementing its 2025 "Quality Improvement, Efficiency Enhancement, and Return to Shareholders" action plan, focusing on high-quality development and enhancing operational efficiency [1][2][3]. Group 1: Business Performance and Development - The company has seen continuous improvement in its overall business performance, with a focus on core responsibilities leading to sustained growth in operating results [1]. - New business value in life insurance has grown rapidly, with a significant increase in the proportion of floating income products and over 50% of individual insurance channel products being dividend insurance [1][2]. - The property insurance segment has prioritized profitability, achieving improvements in comprehensive cost ratios and both underwriting profits and investment returns [1][2]. - Health insurance has innovated in product offerings, particularly in commercial health insurance, and has experienced rapid growth in online business [1][2]. Group 2: Innovation and Technology - The company has developed a dedicated risk assessment model for cybersecurity insurance and created a risk map for the biopharmaceutical industry, enhancing its service offerings [3]. - The implementation of AI technologies in core business areas such as sales and claims management has been initiated, with the launch of intelligent claims assistants [3]. Group 3: Governance and Compliance - The company is reforming its supervisory board to enhance governance efficiency and decision-making processes, with a focus on sustainable development [4][5]. - A new intelligent risk control system is being developed to cover major strategic and business risks, improving compliance and risk management capabilities [5]. Group 4: Investor Relations and Market Value Management - The company has established a long-term dividend policy linked to operational profit growth, with a planned cash dividend distribution of RMB 1.08 per share for 2024 [6]. - Efforts to enhance transparency and information disclosure have been intensified, with nearly a hundred reports and disclosures made in the first half of the year [6][7]. - The company has engaged in various investor communication activities to strengthen relationships and protect investor rights, ensuring fair treatment for all investors [7].

Group 1 - The core viewpoint of the article is that China Reinsurance (01508) reported a net profit of 6.244 billion yuan for the first half of 2025, reflecting a year-on-year increase of 9.03% [1] - The total revenue for the group reached 61.028 billion yuan, representing a year-on-year increase of 0.56% [1] - The basic earnings per share for the company were 0.15 yuan [1] Group 2 - In the first half of 2025, the property reinsurance segment generated insurance service revenue of 22.959 billion yuan, a decrease of 2.2%, accounting for 44.3% of the group's insurance service revenue [2] - The net profit for the property reinsurance segment was 2.338 billion yuan, down 9.3%, primarily due to the impact of domestic business structure adjustments and international catastrophic events [2] - The decline in net profit was also influenced by investment performance affected by interest rate fluctuations, with the fair value increase of trading bonds being weaker than the same period last year [2]

Group 1 - The company reported total revenue of 61.028 billion RMB for the six months ending June 30, 2025, representing a year-on-year increase of 0.56% [1] - Net profit attributable to shareholders was 6.244 billion RMB, an increase of 9.03% year-on-year, with basic earnings per share of 0.15 RMB [1] - The company focused on consolidating its position in the domestic reinsurance market, enhancing commercial insurance business, and driving innovation and technology application [1] Group 2 - The property reinsurance segment generated insurance service revenue of 22.959 billion RMB, a decrease of 2.2% year-on-year, accounting for 44.3% of the group's insurance service revenue [2] - The decline in property reinsurance revenue was primarily due to a decrease in earned premium scale from domestic agricultural insurance [2] - Net profit for the property reinsurance segment was 2.338 billion RMB, down 9.3% year-on-year, attributed to underwriting performance affected by domestic business structure adjustments and international catastrophic events [2]

Group 1 - The Shanghai cybersecurity industry has doubled in scale since the beginning of the 14th Five-Year Plan, with a focus on integrating "security + AI" and developing new sectors such as intelligent robotics and low-altitude economy [1] - The Pudong Cybersecurity Industry Demonstration Park will serve as a core area for enhancing development capabilities and creating a cybersecurity industry hub for the Yangtze River Delta and nationwide [1] - Pudong District has established a comprehensive development framework consisting of "policy, platform, technology, and ecology," with nearly 100 cybersecurity companies and projected revenue exceeding 7 billion yuan in 2024 [1][2] Group 2 - The establishment of the AI Security Working Committee aims to promote collaboration between AI and security technologies to address new threats like deep fakes and data poisoning [2] - Awards were presented to 15 companies, including SAIC Volkswagen and Shanghai Electric, for their contributions to the "Gongfu Lianwang" initiative, highlighting the recognition of excellence in cybersecurity [2] - A network security insurance pilot program has been launched in the healthcare sector, with 13 medical institutions receiving certification, and related premiums expected to reach 10.7 billion yuan in 2024 [2][3] Group 3 - The Shanghai Cybersecurity Industry Park has welcomed its first six companies, focusing on the entire ecosystem of basic hardware and software, as well as security product development [3] - The 2024 Shanghai Cybersecurity Industry Innovation Achievements Directory was released, featuring 20 innovative results across 14 areas, including AI security and quantum security [3] - The conference showcased Shanghai's leading practices in policy innovation, technological breakthroughs, and ecosystem development, contributing to the city's digital transformation security foundation [3]

Core Insights - The article emphasizes the accelerating pace of digital transformation in manufacturing and the increasing importance of cybersecurity, particularly through the introduction of cybersecurity insurance in China [1][5][9] Group 1: Cybersecurity Insurance Development - The first batch of cybersecurity insurance service pilot work in China has been successfully completed, attracting market attention towards this financial innovation model [1] - Despite the growing demand for cybersecurity insurance, the market remains in its early stages, facing challenges such as a lack of historical data and a mindset among executives that views cybersecurity as a technical issue rather than a core business risk [5][6] - The complexity of existing insurance products and the absence of transparent success stories hinder companies from assessing whether the coverage meets their risk exposure [5][6] Group 2: Risks Faced by Enterprises - Enterprises are increasingly exposed to cybersecurity risks, particularly concerning industrial control systems, which are vulnerable due to their integration with IT systems [3][4] - Supply chain security risks are also significant, as varying security levels among supply chain partners can create vulnerabilities for core enterprises [3] - Data security and compliance risks are rising due to the central role of data in new industrialization, with stringent regulations increasing compliance costs for businesses [4] Group 3: Barriers to Cybersecurity Insurance Growth - Two main barriers to the growth of cybersecurity insurance are identified: the lack of historical data and the disconnect between insurance underwriting personnel and cybersecurity experts [6][7] - The insurance industry faces challenges in accurately pricing risks due to the emergence of new threats like ransomware and supply chain attacks, complicating traditional actuarial models [6][7] Group 4: Solutions and Innovations - To overcome these barriers, a collaborative mechanism involving government, regulators, industry, and academia is essential to establish a national-level data-sharing mechanism and unified standards for risk assessment and claims processing [7][9] - Innovative models are emerging, such as the "cybersecurity product supermarket" in Ningbo, which offers lightweight services for SMEs, combining security products, insurance, and subsidies to address cost concerns [8] - The integration of "insurance + technology + services" is seen as a pathway to enhance cybersecurity insurance, making it a vital component in supporting enterprises' digital transformation [9]

Core Viewpoint - The rapid advancement of digital transformation is leading to an increase in cybersecurity risks for enterprises, resulting in a significant rise in demand for cybersecurity insurance, which is accelerating its market adoption [1] Group 1: Pilot Program and Market Impact - The Ministry of Industry and Information Technology (MIIT) has successfully completed the first batch of cybersecurity insurance service pilot programs, with plans for a second batch focusing on key industries such as telecommunications, internet, industrial, and financial sectors [2][4] - During the first pilot phase, over 1,500 insurance policies were issued, with a total premium exceeding 150 million yuan and total coverage nearing 11.5 billion yuan, demonstrating the effectiveness of insurance services in supporting the real economy [3][4] Group 2: Industry Needs and Challenges - Large enterprises are increasingly adopting cybersecurity insurance to enhance their risk management systems, while small and medium-sized enterprises (SMEs) face challenges due to a lack of expertise and resources, making cybersecurity insurance a valuable tool for them [3] - The MIIT aims to improve public awareness of cybersecurity insurance, as many enterprises are still unaware or do not understand how to utilize these services [4][5] Group 3: Future Development and Standards - The MIIT plans to enhance the quality and scope of cybersecurity insurance services by promoting awareness, strengthening technical support, and fostering a collaborative ecosystem involving insurance companies, cybersecurity firms, and other stakeholders [4][5] - There is a focus on developing a standard framework for cybersecurity insurance services, emphasizing risk analysis, threat monitoring, and the establishment of standardized processes to ensure healthy development of the industry [5]