目前国内外在新能源汽车电池能量供应、燃料生产、汽车续航里程的提升等方面仍在不断发展中,我国汽车企业尤其是本土汽车企业与国际先进企业在资金、人才、技术积累方面存在差距,面临的技术开发风险更为突出。商业保险参与新能源汽车项目研发风险管理模式及机制的研究意义重大。本文探讨了保险既参与新能源企业进行研发投资、又参与风险保障的模式,即投资连结科技保险情况,并由此得出一些结论以供政策制定者或保险公司参考。 Currently at home and abroad in the new energy vehicle battery energy supply, fuel production, vehicle mileage and other aspects of the ongoing development is still in progress, China’s auto companies, especially domestic auto companies and international advanced enterprises in the capital, talent, technology accumulation, there is a gap, Faced with the risk of technology development more prominent. Commercial insurance to participate in research and development of new energy vehicles project risk management model and mechanism of great significance. This paper explores the mode of insurance participating both in R & D and Risks investment in new energy enterprises, namely, investment in science and technology insurance, and draws some conclusions for reference by policy makers or insurance companies.