报告：保险业转型发展面临的外部环境仍然严峻，但预期较去年有明显改善

Core Insights - The 2025 insurance industry seminar hosted by Tianzhi International emphasizes the critical window for reshaping the insurance landscape, focusing on strategic transformation and new standards implementation [1] - The seminar discusses five core topics: strategy formulation, new standards planning, system construction, risk management, and internal audit empowerment [1] Group 1: Strategic Insights - Tianzhi International's financial industry partner highlights the need for insurance companies to align strategy and tactics, advocating for a long-term approach and lean management to navigate industry changes [1] - The emphasis is on thorough preparation and execution to ensure stability and growth during the industry's transformation [1] Group 2: Implementation of New Standards - The insurance consulting partner shares insights on the practical handling of new standards, stressing the importance of refining implementation processes and planning for future challenges [1] - Companies are encouraged to focus on detailed aspects such as proposals, systems, and internal controls to ensure successful implementation [1] Group 3: Technological and System Insights - The actuarial partner discusses the importance of balancing cost-effectiveness with management needs in the design of technical solutions for new standards [2] - The concept of an integrated financial platform, "1+N application," is introduced as a means to enhance financial management and decision-making [2] Group 4: Risk Management Findings - A survey of over 150 insurance companies reveals ongoing challenges in risk management, including weak data governance and insufficient quantitative modeling tools [2] - Despite improvements, the integration of risk management into core decision-making processes remains lagging, and the application of emerging technologies and AI is still in its early stages [2]