"Patience Capital + Innovative Insurance Policies" Dual Efforts, Insurance Capital Explores New Models for Serving Hard Technology

As we enter 2026, insurance funds are actively exploring new ideas and methods to serve technology innovation enterprises, increasing support for cutting-edge fields and emerging industries, demonstrating a trend towards accelerating the evolution to a "patient capital + innovative insurance policy" dual-driven model. Industry insiders indicate that on the funding side, insurance capital is continuously enriching its "toolbox," injecting "patient capital" into sectors such as integrated circuits, artificial intelligence, and biomedicine through tools like stocks, bonds, funds, and alternatives, thereby constructing a full-cycle investment and financing support system. On the product side, technology insurance is continuously iterating, redefining its value in cultivating new productive forces, with the protection chain expanding from research and development to the entire industrialization process. Customized "innovative insurance policies" are being provided for cutting-edge scenarios such as humanoid robots, commercial aerospace, low-altitude economy, and generative AI, extending the co-insurance mechanism and providing key risk "shock absorbers" for enterprise innovation. (China Securities Journal)