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把自己自W到高C:如何在日常生活中找到你的独特风格?
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把自己自W到高C:如何在日常生活中找到你的独特风格?

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近日,金融监管总局、科技部、国家发展改革委联合发布《银行业保险业科技金融高质量发展实施方案》(以下简称《实施方案》)提出,未来5年,银行业保险业专业化服务机制、产品体系、专业能力和风控能力不断完善,外部生态体系持续发展,科技信贷和科技保险扩面、提质、增效,为科技创新重点领域和薄弱环节提供更加精准、优质、高效的金融保障。

从多家上市险企披露的2024年可持续发展(ESG)报告来看,保险业一方面为科创企业提供全周期、差异化的保险服务,并针对国家重点科技战略攻关项目推出创新型保障产品;另一方面,险资积极担当耐心资本,更好投早、投小、投长期、投硬科技,推动更多保险资源向科创领域聚集。

优化科技保险产品服务体系

围绕优化科技保险保障服务,《实施方案》提出,提供与科技型企业生命周期阶段相适应、覆盖科技创新活动全流程的保险产品。

近年来,针对科技企业全生命周期风险保障需求,保险业初步搭建起科技保险产品体系。例如,中国人保打造科技保险示范产品库,通过不同险种的组合,满足初创型、成长型、成熟型企业的差异化保障需求。2024年,该公司科技保险风险保障金额达到31.2万亿元,同比增长21.6%。中国人寿财险开发了首台(套)重大技术装备等8大类共40余款专属保险产品,为科技创新企业的各个环节提供全面风险保障。

科技创新,人才是核心要素。科技人才投身于高难度、高强度的研发工作,面临诸多潜在人身风险,保险能为他们减少后顾之忧。为此,《实施方案》提出,加大科技创新人才和相关从业人员保险供给,提升健康管理、养老服务、职业责任等方面保险保障质效。

据记者了解,部分保险公司针对科技人才的职业特性,在健康管理上持续发力。比如,专注于生物医药研发的企业,科研人员长期在实验室环境工作,可能面临化学试剂危害、生物样本感染等健康风险。保险公司与专业医疗机构合作,推出定制化健康管理保险产品,为科研人员提供定期专项体检、健康咨询、职业病预防指导等服务,一旦科研人员因职业因素患病,可获得相应医疗费用补偿与康复支持。

整体而言,从科技研发阶段的人员意外险、财产损失险、研发责任险,到成果转化阶段的知识产权险、贷款保证险,再到产业化推广阶段的产品责任险、数据安全与隐私保险等,我国科技保险产品体系不断完善,现有产品已能初步满足科技创新全流程保障需求。

支持国家重点科技领域攻关

《实施方案》指出,做好国家科技重大项目、国家战略科技力量和国家级科技创新平台基地的金融服务。根据国家科技重大项目保险需求,研发新型科技保险产品,健全重大技术攻关风险分散机制。

业内人士表示,国家重大科技项目往往具有投资规模大、技术难度高、研发周期长等特点,在项目推进过程中,面临着诸多风险,如技术突破受阻、设备故障、外部环境变化等,借助保险工具能有效分散风险,保障项目顺利进行。

拿中试环节来说,它是科技产品在大规模量产前的重要试炼场,至关重要却也充满风险。中试保险应运而生,为科技成果转化提供不可或缺的保障。

中国太保聚焦高端装备、新材料、电子软件等重点领域,促进科技成果转化,推出“中试项目费用损失保险”,填补科技研发、成果转化过程中的风险保障空白。2024年,该公司科技成果应用推广风险类保险金额达35.1亿元。

中国人保创新搭建重点技术攻关综合保险产品体系,研发高新技术企业申请费用损失保险条款和中试综合保险、高新技术企业申请费用损失保险、重大科技攻关综合保险等3款科技保险新产品,并推动在南京、无锡、苏州、鄂尔多斯等地落地上述创新产品全国首单。

作为国家战略性新兴产业,低空经济不仅有助于我国在航空领域实现弯道超车,还契合了新质生产力的发展方向。自去年以来,保险机构全力展开对低空经济领域相关保险的探索创新。

2024年,平安产险成功落地全国首单政府投保的低空经济领域三者责任保险,为深圳地区低空经济领域提供全方位保险服务,总风险保障超200亿元。中国太保成立“无人机保险创新实验室”,发布全国首个“低空经济第三者责任险”,并成立“低空经济产业保险研究中心”。2024年,该公司航空航天技术领域保额达478亿元。

当好科创领域耐心资本

耐心资本是支持科技创新的重要力量,培育壮大耐心资本,有助于促进“科技-产业-金融”的良性循环。而保险资金规模较大、期限较长、来源稳定,天然具有耐心资本属性。

对于如何促进险资投向科创领域,《实施意见》提出,深化保险资金长期投资改革试点,支持保险公司发起设立私募证券基金,投资股市并长期持有。同时,鼓励保险机构通过多元化投资工具加大对创业投资等投资机构的支持力度,发展长期资本和耐心资本;推动保险机构投资资产支持计划等证券化产品。

从保险资金长期投资改革试点来看,我国首个保险系私募证券基金——鸿鹄志远(上海)私募证券投资基金已经完成首期500亿元投资。保险资金长期股票投资第二批试点机构总计批复试点额度1120亿元,目前,各参与机构正在加快推进私募证券基金设立及投资工作。

创业投资方面,4月8日,金融监管总局印发《关于调整保险资金权益类资产监管比例有关事项的通知》,允许保险公司对单只创业投资基金的最高投资占比从20%大幅提升至30%。数据显示,2024年,私募股权市场的出资主体中,金融机构共出资274笔,总额2141.13亿元。其中,保险机构出资722.68亿元,占比达33.75%。今年第一季度,险资作为有限合伙人(LP)共计出资143.22亿元。

在投资策略方面,中国人寿董事长蔡希良在2024年业绩发布会上表示:“将充分发挥保险资金长期资本、耐心资本的优势,积极把握国家战略机遇和产业转型趋势,坚持投早、投小、投长期、投硬科技,统筹运用股权、债权等手段,创新商业模式,加强对国家重大科技任务、科技型中小企业、绿色企业的金融支持,保持绿色投资、新质生产力等领域投资规模的稳步增长。”

中国人保副总裁才智伟表示,公司持续秉承长期投资、价值投资、稳健投资、审慎投资的理念,不断优化权益投资的投资策略。公司重点关注新质生产力发展方向,把握科技创新、战略性新兴产业带来的新投资机会,积极布局跟保险相关的领域,科技、数字化、人工智能等都是公司的重点配置方向。

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