2026年3月2日，科技部、金融監管總局、工業和信息化部、國家知識產權局聯合對外發布《關于加快推動科技保險高質量發展 有力支撐高水平科技自立自強的若干意見》，從6方面提出20項舉措，加快構建同科技創新相適應的科技保險體制機制。

China on March 2, 2026 made public new guidelines to accelerate the high-quality development of sci-tech insurance, among broader efforts to strengthen technological self-reliance. The document, which was issued by the Ministry of Science and Technology, the National Financial Regulatory Administration, the Ministry of Industry and Information Technology, and the China National Intellectual Property Administration, sets out 20 measures across six areas, aiming to build a sci-tech insurance system that is better aligned with technological innovation.

【知識點】

科技保險主要包括科技活動風險保險、科技活動主體保險。研發費用損失、成果轉化費用損失、科技成果應用推廣風險、知識產權被侵權等都在科技保險的保障范圍內。科技保險是科技金融大文章的重要組成部分，對科技創新風險分散和資金支持具有重要作用。

《關于加快推動科技保險高質量發展 有力支撐高水平科技自立自強的若干意見》提出，健全重大技術攻關風險分散機制，加強對國家戰略科技力量的保險服務和對重點區域的科技保險服務。針對科技型中小企業的風險特征，意見提出支持保險機構開發條款簡便、價格合理、投保便捷、理賠便利的產品，擴大科技保險覆蓋面。意見明確，加強重點領域保險保障，強化科技型企業全生命周期保險保障、支持科技型企業“走出去”、完善科技人才保險保障服務、加快發展知識產權保險、推動網絡安全保險創新應用。同時，意見要求優化科技保險產品開發和精算定價，優化科技保險承保理賠服務，鼓勵科技保險專業化經營，優化科技保險發展生態。除提供風險保障外，意見引導保險資金投向科技創新領域，支持投資國家重大科技項目和重點科技領域，加強對新興產業和未來產業的投資布局，加大創業投資的支持力度，健全國有保險機構參與創業投資的內部容錯機制。

【重要講話】

科技興則民族興，科技強則國家強。我們黨歷來高度重視科技事業發展。黨的十八大以來，黨中央深入推動實施創新驅動發展戰略，提出加快建設創新型國家的戰略任務，確立2035年建成科技強國的奮斗目標，不斷深化科技體制改革，充分激發科技人員積極性、主動性、創造性，有力推進科技自立自強，我國科技事業取得歷史性成就、發生歷史性變革。

The nation will thrive when science and technology develops, and the country will be strong when science and technology becomes advanced. The CPC has always attached great importance to the development of science and technology. Since the 18th CPC National Congress, the Party Central Committee has promoted the implementation of the strategy for innovation-driven development, proposed the strategic task of accelerating building an innovative country, set the target of building the country into a powerhouse in science and technology by 2035, continuously deepened the reform of the scientific and technological system, fully stimulated the enthusiasm, initiative, and creativity of scientific and technological personnel, and vigorously promoted the building of self-reliance and strength in science and technology. As a result, historic achievements and transformations have been realized in the development of science and technology.

——2024年6月24日，習近平在全國科技大會、國家科學技術獎勵大會、兩院院士大會上的重要講話

【相關詞匯】

普惠保險高質量發展

high-quality development of inclusive insurance industries

科技金融

science and technology finance

本文于“學習強國”學習平臺首發

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