传统保险产品对实验室场景的针对性、适配性较低，责任模糊，保障单一，新险种保险责任较全面地覆 盖从"进入实验室"到"事故发生后"全链条，是助力实验室强化风险管理的有益探索。天津金融监管局数 据显示，截至4月，"实验室一切险"已累计为当地46间（次）实验室提供风险保障1.14亿元。 为实验室量身定制专属保障，彰显了科技保险作为创新后盾的重要作用。近年来，根据社会发展和市场 需求，结合科研主体痛点，保险业开出不少新"药方"。一些造价高昂的新设备难觅"第一个吃螃蟹的 人"，如何助力研发成果"叫好又叫座"？首台（套）保险的推出，给使用者吃下"定心丸"。人工智能赛 道持续火热，如何应对潜在的著作权纠纷风险？近期山东青岛、北京等地落地生成式人工智能生成内容 侵权责任保险。持续创新科技保险产品，加强科研活动的全生命周期风险管理，保险业将为科技创新注 入更强动力。 在机遇和挑战面前，苦练"内功"、开拓创新，更好挖掘市场需求，不断提升行业发展质效 实验室是科技创新的重要摇篮，但里边有不少危险而又昂贵的设备，可能对科研工作者人身和财产安全 造成威胁。如何织密安全防护网？ 不久前，天津大学化工学院部分实验室续保了"实验室一切险"。这 ...

Group 1 - The introduction of a "Technology Board" in the bond market aims to support technology enterprises in increasing R&D investment and project construction efforts [1] - Financial institutions are actively engaging in technology finance, providing various financial products such as "Science and Technology Loans" and "Point Loans" to address funding challenges for enterprises [1][2] - The banking sector has issued over 650 billion yuan in intellectual property pledge loans since the start of the 14th Five-Year Plan, enhancing the ability and willingness of banks to provide financing services based on patents [2] Group 2 - Financial institutions are encouraged to utilize tools like loan interest subsidies and risk compensation to guide low-risk capital into innovative fields [2] - The insurance industry is successfully providing risk protection for key sectors like integrated circuits through collaborative insurance models, with plans to further explore this approach for technology insurance [2] - Financial institutions are improving their ability to serve technology enterprises by leveraging big data and artificial intelligence, and are encouraged to enhance data sharing while ensuring data security [3]