机构：全球保险业面临保费增长放缓挑战

Core Insights - The global insurance industry is facing challenges with slowing premium growth due to unstable policy environments and increased competition [1] - The Swiss Re Institute forecasts that the total premium growth rate for the insurance industry will decline from 5.2% in 2024 to 2% in 2023, with a slight recovery to 2.3% by 2026 [1] - Despite the current favorable investment income, the slowdown in growth will exert pressure on insurance demand [1] - Long-term U.S. tariff policies are contributing to market fragmentation, which may reduce the affordability and availability of insurance, ultimately weakening global risk resilience [1]