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] - China's ongoing initiatives, such as comprehensive risk surveys and monitoring systems, aim to enhance the precision and coverage of risk identification [2] - The release of the "China Life Insurance Industry Experience Life Table (2025)" provides updated data for life risk assessment, aiding in pricing and reserve evaluations [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 populations and rising living costs [5] 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] - In Ningbo, a comprehensive governance mechanism has been established, significantly increasing participation in safety insurance among enterprises [8] - The experience in Xinjiang demonstrates the application of risk management across various industries, enhancing resilience against natural disasters [9][10] Group 4: Systemic Development - A systematic, intelligent, and collaborative risk governance framework is rapidly developing in China, integrating risk reduction into high-quality development and national governance modernization [11]