天职国际发布《保险公司全面风险管理调查报告》

Core Insights - The report released by Tianzhi International highlights the current state of risk management in the insurance industry, emphasizing improvements and ongoing challenges in various areas [1][2][3] Group 1: Industry Confidence and Risk Management - The anxiety regarding regulatory trends and external environment risks has decreased, with approximately 80% of institutions expecting continued regulatory tightening and 60% perceiving an increase in external risks, both down by over 10 percentage points from 2024 [1] - The overall risk management level in the industry has improved, with over 98% of institutions claiming to have established risk management systems that are either aligned with or ahead of business development, continuing a trend of improvement since 2015 [1][2] Group 2: Challenges in Risk Management - Despite improvements, challenges remain in risk management, particularly in quantitative tools, data quality, personnel allocation, and cross-department collaboration, although difficulties in these areas have decreased compared to the previous year [2] - There is a significant demand for optimization in risk management technology tools, with an increased focus on risk appetite and stress testing, as well as a need for solutions in asset-liability mismatch and interest rate risk management [2] Group 3: Asset-Liability Management and Internal Controls - The insurance industry has shown noticeable improvements in quantitative modeling techniques, personnel allocation, and data quality in asset-liability management, although challenges persist for property insurance companies, particularly in model development and data interaction mechanisms [2] - There is a clear demand for refined internal control and compliance management tools, with challenges in integrating internal control matrices with business operations and enhancing management efficiency [2][3] Group 4: Digitalization and AI in Risk Management - The application of digitalization and artificial intelligence in risk control and compliance within the insurance industry is still in its early stages, with nearly 40% of insurance groups having partially implemented or are in the process of implementing digital functions [3] - The industry is urged to transition from passive responses to proactive management, focusing on improving risk management levels and embracing emerging technologies like artificial intelligence [3]