寻找保险业破局方向，天职国际：2025年是“重塑格局”关键窗口期

Core Insights - The insurance industry is facing multiple challenges including low interest rates, new regulatory standards, and stringent supervision, necessitating urgent transformation strategies for 2025 [3][4] - The "2025 Insurance Industry Seminar" held by Tianzhi International gathered over 140 industry elites to discuss strategic planning, new standards, system construction, risk management, and internal audit empowerment [3][4] Strategic Focus - The year 2025 is identified as a critical period for reshaping the insurance industry, requiring alignment between strategic and tactical levels, emphasizing "long-termism" and "lean management" [4] - The importance of corporate governance and strategic direction is highlighted, with a focus on balancing short-term financial performance with long-term strategic goals in light of new accounting standards [4][5] New Standards Implementation - The implementation of new standards is seen as a pivotal moment for insurance companies, requiring meticulous preparation and planning across various operational aspects [5][6] - Insights into the impact of new standards on key operational metrics and performance are shared, indicating a transition from implementation to analysis and management [5][6] Risk Management Insights - A survey of over 150 insurance companies reveals ongoing challenges in risk management, including weak data governance and insufficient quantitative modeling tools [6][9] - The integration of risk management into core decision-making processes is still lagging, with early-stage applications of emerging technologies and AI in risk management [6][9] Financial and Actuarial Discussions - Discussions in the financial actuarial sub-forum focus on long-cycle performance management and the need for alignment between accounting indicators and value indicators [7][8] - The challenges faced by small and medium-sized companies in balancing short-term financial requirements with long-term development are emphasized [7][8] Technology and System Optimization - The importance of system optimization and reconstruction in response to new standards is discussed, with a focus on data platforms and financial reporting [8] - The future of financial systems in the property insurance sector is anticipated to undergo significant upgrades and optimizations [8] Internal Audit and Compliance - The "three lines of defense" mechanism is highlighted as essential for compliance management within insurance companies, advocating for enhanced collaboration between different defense lines [9] - The need for internal audits to adapt to digital transformation trends is stressed, with recommendations for improving data foundations and expanding audit coverage [9][10] Conclusion and Future Directions - The seminar serves as a platform for sharing insights and resources, emphasizing the dual approach of "long-termism + lean management" for industry development [10] - Plans for a follow-up seminar in Shanghai in October 2025 are announced, inviting industry partners to continue exploring transformation pathways [10]