On 2 march, the ministry of science and technology, the general authority for financial supervision, the ministry of industry and information technology and the national intellectual property authority issued a joint circular (hereinafter referred to as " opinions " ) on a number of opinions on accelerating the promotion of high-quality science and technology insurance, which strongly support the self-reliance of high-level science and technologyScience and technology innovationRisk spreadAnd financial support plays an important role。
The opinion calls for the establishment of a system of insurance products and services covering the full chain of sti, greater support for the country's major sti tasks and sti-type smes, greater coverage of sti focus areas and key links, greater policy support, and a balance between effective development and risk prevention. (b) to ensure that science and technology insurance is robust and expanded, and to improve the capacity and level of technology self-reliance and technological power-building in high-level science and technology insurance services。
The opinion states that insurance coverage for the country's major scientific and technological tasks should be strengthened, the level of insurance coverage for science- and technology-based small and medium-sized enterprises (smes) should be increased, insurance coverage in priority areas should be strengthened, innovation of s&t products and services should be accelerated, insurance funds should be directed to the field of science, technology and innovation, and incentives should be strengthened。
In particular, with regard to strengthening insurance coverage for the country's major scientific and technological tasks, it is necessary to improve the mechanisms for the risk-dispersion of major technological challenges, to strengthen insurance services for national strategic science and technology forces, and to strengthen insurance services for science and technology in priority regions。
For example, in the area of science and technology and industrial development, where the state is focused, insurance risk compensation, risk reduction and financial leverage are fully utilized, a national mechanism for coordination and promotion of the major technological challenges of science and technology insurance has been established. To strengthen the government's guidance and resources to optimize the multi-sectoral risk-dispersion model of government, science and technology enterprises and insurance agencies. Specialized “one-room” risk assurance services are implemented around the national laboratory system. (c) strengthen insurance coverage for national scientific institutions, key technologies common to high-level research universities, major scientific and technological infrastructure, high-end scientific and technological instruments, key scientific and technological talent and the transformation of results. (c) fully exploit the leading role of priority regions in the development of science and technology insurance testing systems, stress measurement and innovation pathways. To support the establishment of the international centre for science, technology and innovation in beijing (kyo jinyi), shanghai (long triangle) and hong kong, australia, as the “first place” for science, technology, insurance and innovation, and to promote pilot testing and pilot demonstration。
In order to improve the level of insurance coverage for sti-based smes, it is important to promote easy access to sti products and to expand sti coverage. In response to the common risk characteristics of stis, support insurance institutions in developing simple, affordable, easily insured and affordable products, provide them with basic risk security and enhance their risk defence capabilities for innovative development. A combination of sti-based sme risk characteristics and scenario models such as first-use and first-pay-for-technology outcomes provides flexible insurance schemes that effectively reduce the economic burden of risks such as loss of property, failure of research and development, poor conversion, intellectual property rights infringement, and liability for artificial intelligence systems。
With regard to the strengthening of insurance coverage in priority areas, the opinion calls for the strengthening of life-cycle insurance coverage for science and technology enterprises, support for science and technology-based enterprises to “go out”, the improvement of sti insurance services, the acceleration of the development of intellectual property insurance and the promotion of innovative applications of cybersecurity insurance。
For example, the development and design of insurance products at key stages of r & d, conversion of results, industrialization and extension, the promotion of products such as insurance for loss of r & d costs, insurance for loss of scientific and technological transformation costs, and the first comprehensive insurance package, have been strengthened, the insurance compensation and risk sharing system covering all aspects of the chain has been gradually established and the channels for conversion of r & d to market applications have been opened. At the same time, export credit insurance has increased its coverage of science and technology enterprises, as well as industrial chain insurance。
The opinion also encourages local governments, science and technology leading enterprises, etc., to establish insurance schemes for skilled personnel, and supports insurance institutions in meeting the needs of skilled personnel in the areas of occupational responsibility, accident, health, old age, etc., through new forms of job insurance and family insurance. In the context of the country's strategic and emerging industry clusters and niche industries, priority industry organizations have been guided in setting up a directory of intellectual property insurance policies, encouraging local development of complementary support policies and directing insurance agencies to provide insurance packages。
With regard to innovation in s & t insurance services, the opinion proposes to optimize the development and actuarial pricing of s & t insurance products, optimize technology insurance insurance coverage and compensation services, encourage the professionalization of s & t insurance and optimize its ecological development。
In terms of investment in insurance, the opinion clearly directs insurance funds to the field of science, technology and innovation, encourages insurance funds to focus on supporting enterprises undertaking major national science and technology projects, and strengthens the investment mix of new and future industries. (d) promote the piloting of long-term investment in insurance finance to encourage priority investment in science and technology enterprises. Support insurance finance to increase investment in sti bonds and promote innovative securitization products in the insurance fund investment section, provided they are managed and commercially sustainable. Sufficient insurance funds are used to support policies to regulate the solvency of sti. At the same time, support for investment in entrepreneurship has increased。
In addition, the opinion states that coordination and promotion mechanisms should be put in place, policy guidance and support should be strengthened, publicity should be increased and risk prevention and control responsibilities strengthened。
