当风控遇上大数据：探析中国人寿寿险公司风险防控体系的“数字实践”

Core Viewpoint - China Life Insurance Company is deeply integrating ESG development concepts into its comprehensive risk management system, maintaining an A-class risk rating for 27 consecutive quarters, and establishing itself as an innovative model for risk management in the financial sector [1][3]. Group 1: Risk Management Framework - The company has established a comprehensive risk management system characterized by a "1+7+N" framework, which includes a set of regulations and guidelines for managing various types of risks [1][3]. - A risk management responsibility assessment mechanism has been implemented, incorporating risk management compliance into the performance evaluation of departments and senior management [3]. - The company emphasizes proactive risk management, shifting from a reactive to a proactive governance approach, and aims to enhance its risk management capabilities through advanced technologies and frameworks [4]. Group 2: Financial Risk Control - China Life Insurance Company prioritizes financial risk prevention, adhering to the principle of not allowing systemic risks to occur, and continuously improving its risk management strategies [1][2]. - The company aligns its risk management framework with its strategic goals, organizational structure, and business characteristics to effectively identify, measure, and control risks [2][3]. - The company aims to balance risk and return under its risk appetite, ensuring the safety and adequacy of capital while protecting policyholders' interests [2]. Group 3: ESG Integration - The company has developed an ESG risk management approach, focusing on identifying, assessing, and controlling ESG-related risks within its overall risk management framework [3][4]. - It adheres to five key principles in its ESG risk management: comprehensiveness, prudence, foresight, applicability, and dynamism [3]. - The company is committed to enhancing its financial services to support sustainable development while ensuring financial safety [4].