中国保险业再“进阶”需从四维度持续努力

Core Viewpoint - The Chinese insurance industry has achieved significant progress in high-quality development since the "14th Five-Year Plan," solidifying its position as the world's second-largest insurance market [1] Group 1: Insurance Industry's Role and Function - The insurance industry serves as a crucial pillar of the financial system and a stabilizer for the economy, enhancing resilience through risk diversification, loss compensation, and long-term capital supply [1] - Since the "14th Five-Year Plan," the insurance industry has paid out a total of 9 trillion yuan in claims, representing a 61.7% increase compared to the "13th Five-Year Plan" period [2] - The demand for reasonably priced and adequately covered commercial pension and health insurance is growing among residents, alongside increasing needs for liability insurance in emerging industries such as artificial intelligence and aerospace [2] Group 2: Financial Support for Economic Transformation - The scale of insurance fund utilization has exceeded 36 trillion yuan, supporting the real economy while achieving self-preservation and appreciation [3] - There is a need to optimize the allocation structure of insurance funds, which currently sees nearly 50% directed towards bonds, with relatively low investment in unlisted equity, stocks, and industrial investment funds [3] Group 3: Long-term Investment and Capital Market Stability - Insurance funds play a vital role as institutional investors in stabilizing market fluctuations and promoting value investment [4] - Regulatory bodies are encouraged to guide insurance funds to gradually increase their equity asset allocation and participate in corporate governance to support the growth of quality enterprises [4] Group 4: International Expansion and Global Competitiveness - Chinese insurance institutions have significant room for improvement in internationalization and global competitiveness [5] - Expanding overseas markets can meet the "going out" needs of Chinese enterprises and help insurance companies establish a second growth curve [5] - The future potential of the Chinese insurance market is vast, and by adhering to its foundational role and embracing reform, the industry can enhance quality, efficiency, and dynamism [5]