保险业屡迎巨灾大考 通用大风险模型能否构建风险管理新格局？

Core Insights - The insurance industry faces significant challenges due to frequent climate risks, highlighted by the impact of Typhoon "Haikui" on southern China and the need for improved risk management capabilities [1][3] - The establishment of a multi-layered risk-sharing mechanism involving direct insurance companies, catastrophe co-insurance, reinsurance companies, catastrophe bonds, special funds, and government support is crucial for building a "climate-adaptive society" [1][3] - The development of intelligent risk control systems is accelerating within the insurance sector, with companies leveraging AI and big data to enhance risk management and shift from post-disaster compensation to proactive risk prevention [3][4][7] Insurance Industry Developments - Guangdong province has pioneered catastrophe insurance trials, accumulating premiums of 860 million yuan and payouts of 1.93 billion yuan from 2022 to 2024 [1] - The insurance industry is increasingly adopting digital tools such as satellite remote sensing and big data analytics to improve risk identification, monitoring, and early warning capabilities [3][6] - Companies like Ping An have developed systems like the "Eagle Eye" to provide real-time flood forecasts and enhance risk reduction services [4][6] AI and Risk Management - The emergence of the "AI+" era presents new opportunities for the insurance and asset management sectors, particularly through the development of Large Risk Models (LRM) that can enhance risk visibility and management [2][8] - Traditional risk models are being re-evaluated as they struggle to adapt to the complexities of extreme weather events, prompting the need for AI integration to improve flexibility and responsiveness [8][9] - The potential for AI-driven LRM to provide real-time monitoring and dynamic assessment of risk exposure is being explored, with the aim of transitioning from post-event compensation to preemptive measures [9][10] Future Outlook - The Chinese government's "AI+" strategy emphasizes the application of AI in risk prevention, indicating a shift towards integrating advanced technologies into the insurance sector [11] - The development of AI-driven LRM is expected to become a core infrastructure for risk management in the insurance industry, fostering a new paradigm of "insurance + technology" [11]