直保全球第二、再保却列第七，如何为行业提供更多“中国方案”？

Core Viewpoint - The next decade is seen as a critical period for China's reinsurance industry to fill existing gaps, with a focus on enhancing the market's capabilities and aligning with international standards [5][6]. Group 1: Market Size and Imbalance - China's direct insurance market ranks second globally, holding a 10% share, while the reinsurance market ranks seventh with only a 4% share, indicating a significant imbalance [1][2]. - In 2022, the global direct insurance market exceeded 7.2 trillion yuan and the reinsurance market surpassed 900 billion dollars, whereas China's reinsurance premium was 259.5 billion yuan compared to 5.7 trillion yuan for direct insurance [2]. Group 2: Demand and Supply Dynamics - There is a structural issue in the domestic reinsurance market, with insufficient supply in high-risk areas such as natural disasters and emerging sectors like renewable energy [3][4]. - Reinsurance plays a crucial role in risk management, allowing for the distribution of risks that are difficult to insure locally, which is vital for the development of the real economy [3][4]. Group 3: Strategic Opportunities - The "14th Five-Year Plan" period is expected to generate new reinsurance demands driven by high-quality development in production, consumption, and trade [6]. - The international reinsurance market is increasingly seeking China's underwriting capacity, as global uncertainties rise [6]. Group 4: Development of Shanghai International Reinsurance Center - The establishment of the Shanghai International Reinsurance Center is a strategic initiative aimed at enhancing the reinsurance market's efficiency and quality [7][8]. - As of the third quarter, the center has seen a trading scale of 4.5 billion yuan and a registration scale of nearly 110 billion yuan, indicating steady growth [7]. Group 5: Future Directions and Recommendations - The Shanghai International Reinsurance Center should align with international standards and optimize regulatory frameworks to support cross-border transactions and attract foreign institutions [8][9]. - There is a need for a robust risk management center to monitor operational risks and enhance pricing precision, while also innovating risk transfer tools to address gaps in coverage for catastrophic risks [9][11].