Technology Insurance Enables the Risk Dispersion of Manufacturing Technology Iteration: Dual Scenarios of Intellectual Property Pledge and Achievement Transformation

This paper focuses on the realization of intellectual property value in the technological iteration of manufacturing industry, and explores the risk mitigation role of science and technology insurance in pledge and achievement transformation. By constructing an evolutionary game model and case, the transmission mechanism of “risk identification-product design-dynamic pricing” is revealed, and the synergy of “insurance + technology evaluation + financial tools” is proposed to provide a new path to break the “valley of death” of technology marketization. The study found that the contradiction between the acceleration of technological iteration in the manufacturing industry and the surge in demand for intellectual property pledge is prominent, and the lag in intellectual property evaluation and insufficient institutional risk awareness lead to low efficiency of enterprises. Therefore, it is recommended to build a “-insurance-reinsurance” tiered sharing system, TRL tiered insurance with dynamic coverage, and “insurance + option” hybrid tools to optimize the risk sharing mechanism.