Solid-state image pickup apparatus and electronic apparatus

This solid-state image pickup apparatus is configured by being provided with: a semiconductor base body (21) having one surface thereof as a circuit-forming surface, and the other surface thereof as a light-receiving surface; a photoelectric conversion section (22), which is provided in the semiconductor base body (21); a reflecting layer (24), which is provided on the circuit-forming surface, said reflecting layer being formed above the photoelectric conversion section (22); and an insulating section (23), which is disposed in the reflecting layer (24).