对外经济贸易大学保险学院副院长何小伟：保险业高质量发展需要实现质量变革、效率变革、动力变革

Core Insights - The insurance industry in China has achieved significant milestones during the "14th Five-Year Plan" period, with total claims reaching 9 trillion yuan, a 61.7% increase compared to the "13th Five-Year Plan" period [1] - Agricultural insurance has provided risk protection for 800 million households, while commercial pension and health insurance have accumulated reserves of 11 trillion yuan [1] - The insurance sector has seen improvements in premium income and asset scale, with a diversification of insurance products that permeate various aspects of daily life [1] Industry Developments - The insurance industry has transitioned from a speculative and risky approach to a more compliant and risk-aware culture, driven by ongoing regulatory reforms and governance efforts [2] - Compliance is becoming an integral part of the corporate culture within insurance companies, reflecting a shift towards sustainable practices [2] - Future high-quality development in the insurance sector will require addressing structural and systemic issues that hinder progress, focusing on quality, efficiency, and innovation [2]