Promote the transformation of innovative achievements into real productivity
2024-06-07
The manufacturing industry is the lifeline of the national economy. Recently, the Ministry of Industry and Information Technology, the Ministry of Finance, and the State Administration for Financial Regulation jointly issued the "Opinions on Further Improving the Compensation Policy for the First Batch of New Material Insurance for the First Major Technical Equipment" (hereinafter referred to as the "Opinions"). Through the launch of nine new measures to accelerate the high-quality development of major technical equipment and new material industries, solve the problem of difficult promotion and application of the first batch of first major technical equipment entering the market, and cultivate an insurance market with shared risks and benefits, promote the transformation of innovative achievements into real productivity, and drive the enthusiasm of enterprise research and development. According to the relevant person in charge of the Ministry of Industry and Information Technology, the revision of the "Opinions" focuses on expanding the coverage, optimizing insurance rates, improving the application process, and adjusting the concept and connotation. In terms of insurance types, enrich the supply of insurance types to meet user needs. The Opinion adjusts the insurance coverage from the original single insurance model to a multi insurance model, extends the insurance coverage scope, enriches the supply of insurance products, expands the insurance coverage scope, and provides wide range and multi angle risk protection for the first set and batch. Support production and manufacturing units to independently choose insurance types based on the characteristics and actual needs of equipment and new material products, and improve the applicability and flexibility of policies. In terms of insurance premium rates, establish a dynamic adjustment mechanism that is market-oriented and differentiated. The Opinion clarifies that manufacturing units can independently decide on the number, duration, and types of insurance for equipment and new material products within the amount of premium subsidy funds determined by the state. Clarify the principles for determining the premium rates for the first unit (set) and the first batch of insurance, and require insurance companies to carry out rate retrospective and dynamic adjustments in accordance with the principles of "minimum profit margin" and "actuarial balance", truly leveraging the role of insurance mechanisms in serving and benefiting production and manufacturing enterprises. During the specific operation process, the manufacturing unit can negotiate with the insurance company independently, and different equipment and new material products in different fields can form differentiated rates based on risk characteristics. In terms of conceptual connotation, expand the number and duration of support. The Opinion considers the mature laws of equipment and new material products, and expands the conceptual scope to "complete machine equipment, core systems, and key component products that have not yet formed a competitive advantage in the early stage of entering the market" for the first (set) equipment, expanding the number and duration of support. For the first batch of new materials, the purchase and use will no longer be limited to the first year, and the number of supported products will be expanded. At the same time, support will be provided for enterprises and insurance companies to negotiate independently to extend the insurance period. What is the significance of breaking the bottleneck of "insufficient trust" and optimizing and improving the insurance compensation policy for major equipment and new materials? It is conducive to encouraging manufacturing enterprises to innovate vigorously. Zhou Minliang, a researcher at the Institute of Industrial Economics, Chinese Academy of Social Sciences, said in an interview with our reporter that major technological equipment and new materials often involve technology intensive and capital intensive industries, with high technological complexity, high initial capital investment in research and development, and a relatively high possibility of rework or failure in the first set or first batch of secondary products. "To encourage the accelerated transformation of innovative achievements in the manufacturing industry, it is necessary to improve the risk protection mechanism for relevant business entities. The" Opinions "promote the expansion of insurance coverage for the first set and first batch, and the improvement of service level. The purpose is to optimize the system design of insurance risk management and solve the application bottleneck caused by" lack of trust "in the early stage of relevant products entering the market." Zhou Minliang said. Beneficial for insurance institutions to provide better quality services. Wang Kai, Associate Professor of Insurance and Actuarial Science at Southwest University of Finance and Economics, believes that the first major technical equipment and the first batch of new materials often involve many cutting-edge technologies and scientific research achievements. These achievements face various risks in the process of transforming into real productivity. Due to objective factors such as scarce historical data and limited reference practices, insurance institutions often have to bear additional unpredictable risks when underwriting. Timely providing appropriate premium subsidies to insurance companies and policyholders can enhance the sustainability of risk protection mechanisms in this field. "The 'Opinions' will enable the insurance industry to better play its risk protection function and serve the real economy," Wang Kai told our reporter. At the same time, the Opinion also stabilizes the expectations of all parties through step-by-step declaration: the first step is to clarify the eligibility for insurance and the amount of financial subsidies for each type of equipment and new material product; The second step is for the manufacturing unit to independently purchase insurance; Step three, apply for funding subsidies based on the current year's insurance situation. To promote the high-quality development of the industry, Chongqing Machine Tool (Group) Co., Ltd.'s independently developed CNC hobbing and milling composite machine tool made its debut at the exhibition, Xinjiang Daquan New Energy Co., Ltd.'s first batch of semiconductor grade polysilicon products were successfully produced, and Dongfang Electric's first independently developed 18 MW semi direct drive high-power offshore wind turbine was lifted in Shantou, Guangdong... Recently, with the steady recovery of the industrial economy, good news from manufacturing enterprises has been increasing. Industry insiders predict that the implementation of the Opinion will further promote the high-quality development of related industries in China. The relevant person in charge of China Life Property and Casualty Insurance Company told our reporter that China Life Property and Casualty Insurance Company will actively implement the requirements of the Opinion, continuously enrich the supply of major technical equipment and new material insurance products on the basis of pilot experience in the early stage, comprehensively improve the service quality and efficiency of relevant manufacturing enterprises, broaden service dimensions, deeply explore market-oriented and refined pricing models, adhere to the bottom line of compliant operation, make good and practical use of insurance compensation policies, better serve the risk protection and management needs of technology enterprises, and serve the country's high-level technological self-reliance and development of new productive forces. "The 'Opinions' reflect China's firm determination to promote innovation driven development in the manufacturing industry, and are of great significance for building a strong manufacturing and innovation country." Zhou Minliang said that in order to implement the insurance compensation policy well, it is necessary for the industrial department to strictly recognize enterprises, the financial department to increase funding support, the financial regulatory department to strengthen insurance management, and all parties to work together to ensure that funds are better used to encourage innovation. (Lai Xin She)
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