保险业应创造性地发挥经济减震器和社会稳定器作用

Core Insights - The insurance industry must focus on high-quality development by adhering to principles of political, public, and professional nature, while enhancing its role as an economic stabilizer and social stabilizer [1][2] Group 1: Opportunities in the Insurance Industry - The aging population will lead to sustained growth in demand for pension insurance, providing significant development space for the insurance industry [1] - The industry should leverage scale and duration advantages in asset management, while enhancing product innovation and market promotion to improve the competitiveness and coverage of the third pillar of pension insurance [1] - There is a rapid growth trend in green insurance, with premiums expected to reach 333.1 billion yuan in 2024, positioning China as the largest green insurance market globally [1] Group 2: Challenges and Recommendations - The insurance industry faces various risks and challenges, necessitating an objective assessment of uncertainties and strategic planning for safety and development [1] - It is essential to develop insurance products tailored for elderly-specific diseases and to relax the age restrictions for policyholders to meet the protection needs of older adults [1] - The industry should keep pace with technological advancements by developing insurance products for new technologies and industries, and enhance collaboration with tech companies to improve service efficiency and accuracy [2] - Long-term investment proportions should be increased, and asset structures optimized to enhance investment returns and stability, while ensuring stable cash flow for insurance liabilities [2]