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 is seen as a critical window for reshaping the market, necessitating strategic and tactical alignment for insurance companies [1] - The implementation of new standards is a pivotal opportunity for financial management digital transformation and deeper integration of finance and operations [2] Group 1: Strategic Discussions - The conference emphasized five core topics: strategic formulation, new standards planning, system construction, risk management, and internal audit empowerment [1] - The importance of "long-termism" in strategy and "lean management" in tactics was highlighted as essential for navigating industry transformations [1] Group 2: New Standards Implementation - Insights were shared on the practical handling of new standards, focusing on the core operational indicators and performance impacts for insurance companies [1] - Companies are encouraged to refine their implementation processes, including plans, systems, and internal controls, while also preparing for future challenges in assessment, product development, and asset-liability management [1][2] Group 3: Risk Management Insights - A survey covering over 150 insurance companies revealed 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 in risk management is still in its early stages [2]