专访安盛天平CEO左伟豪：企业出海风险呈现双重升级 建议将风险管理纳入战略核心

Core Viewpoint - The 2025 China International Service Trade Fair highlights the innovation and practical achievements of China's financial services, particularly in supporting enterprises going global amidst increasing risks and challenges [1][10]. Group 1: Challenges Faced by Enterprises Going Global - Enterprises face challenges in four main areas: legal and regulatory differences, cultural differences, data issues, and service network deficiencies [2][3]. - Legal and regulatory complexities can lead to compliance risks and legal disputes for companies unfamiliar with local laws [2]. - Cultural differences create localization challenges, affecting product-market fit and employee management [2]. - Data challenges arise from a lack of historical data for pricing and difficulties in accessing critical data from automotive companies [2]. - The absence of overseas claims and repair service networks can increase claims costs for enterprises [3]. Group 2: Evolution of Risks in Global Expansion - The transition from "product output" to "system output" signifies a dual upgrade in risks, with traditional risks becoming more complex and new risks emerging [4]. - Traditional risks include cultural differences, market adaptation, brand recognition, localization competition, and supply chain management [4]. - New risks include geopolitical conflicts, increased compliance pressures, stringent cybersecurity and data protection regulations, and rising ESG (Environmental, Social, and Governance) requirements [4][7]. Group 3: Strategic Support for Enterprises - The company emphasizes the importance of a risk-prevention mindset, integrating risk management into strategic decision-making for enterprises preparing to go global [8]. - It advocates for compliance with regulatory requirements and effective use of insurance tools to create a safety net for global risk transfer [8]. - The company has established strategic partnerships with major state-owned financial institutions to enhance insurance cooperation and support Chinese enterprises' overseas operations [5][10]. Group 4: Insights on the Chinese Market - The Chinese market presents unique opportunities due to its vast consumer potential, regulatory openness, and innovative ecosystem [9][10]. - The company has actively participated in China's financial market reforms and has benefited from the country's commitment to high-level openness [10]. - The ongoing reforms and policies are expected to provide a sustainable growth environment for foreign insurance companies operating in China [10].