保险业风险减量成效显现

Core Viewpoint - Risk reduction is becoming a focal point in various sectors, evolving from a specialized insurance term to a fundamental aspect of urban governance, industrial operations, and daily life [1] Group 1: Risk Identification - The primary task of risk reduction is risk identification, which has become more complex due to international changes, extreme weather, cyberattacks, and supply chain fluctuations [2] - The risk landscape is more intricate than before, with increased interconnectivity among risks, necessitating a more systematic and forward-looking approach in the insurance industry [2] - China is enhancing its risk identification capabilities through comprehensive risk surveys, monitoring systems, and extreme weather response initiatives, providing foundational data for the insurance sector [2][3] - The release of the "2025 China Life Insurance Experience Life Table" offers updated data reflecting current health and mortality trends, aiding life insurance companies in understanding life risk changes [3] Group 2: Risk Management - Risk management is evolving to include safety production, natural disaster prevention, and health risk intervention as part of insurance services [5] - Companies are increasingly integrating insurance institutions into their safety and risk management processes, indicating a shift towards collaborative risk management [5] - The family unit is emerging as a critical starting point for risk governance, facing new challenges such as aging, smaller family sizes, and rising living costs [5][6] Group 3: Practical Applications - The "Home Without Worries" system by Ping An Property & Casualty emphasizes proactive family risk management, moving beyond traditional compensation models [6][7] - Risk reduction practices are being implemented across various sectors, with Ningbo serving as a model for comprehensive risk governance involving multiple stakeholders [8][9] - In Xinjiang, risk management services are being extended to key industries and agricultural sectors, enhancing resilience against disasters [9][10] Group 4: Systemic Development - A systematic, intelligent, and collaborative risk governance framework is rapidly developing in China, integrating risk reduction into the foundation of high-quality development [11] - Risk reduction is viewed as essential infrastructure for national governance modernization, contributing to the stability of families, businesses, cities, and rural areas [11]