保险业迎“十五五”战略机遇期

Core Viewpoint - The insurance industry is positioned to play a crucial role in supporting China's modernization through technological innovation, particularly in addressing aging population challenges and enhancing risk management capabilities [1][12]. Group 1: Role of Insurance in Technological Modernization - The "15th Five-Year Plan" emphasizes the transition of the insurance industry from a "passive risk bearer" to an "active risk governance and innovation partner" [1][3]. - Insurance is expected to serve as a "stabilizer" for risks, providing tailored technology insurance products to mitigate uncertainties in innovation activities [2]. - The industry should act as a "provider of patient capital," investing in strategic technology sectors through equity and bond investments [2]. - Insurance can function as a "connector" within the industrial ecosystem, facilitating the flow of knowledge, technology, and capital, especially in the aging sector [2]. Group 2: Upgrades in Insurance Services - The insurance service model will evolve from "post-event compensation" to "pre-event risk control and in-process reduction," utilizing big data and IoT for deeper involvement in R&D and production [3]. - There will be a shift from "standard products" to "deeply customized solutions," addressing unique risks in specific industries like integrated circuits and biomedicine [3]. - The focus will move from "single-point protection" to "systemic collaboration," embedding insurance services within the industrial and innovation chains [3]. Group 3: Challenges and Solutions in Technology Insurance - Current technology insurance products have limitations in coverage breadth and service effectiveness, particularly in pricing and innovation lagging behind technological advancements [4][5]. - A multi-layered risk governance and incentive system is needed to address the challenges of "reluctance to use" insurance products [6]. - Recommendations include establishing risk compensation pools, shifting focus from claims to risk control, and exploring integrated solutions combining insurance with financing [6][8]. Group 4: Policy Support for Insurance Innovation - A robust policy support system is essential for stimulating the insurance industry's contribution to technological modernization, including targeted subsidies and tax incentives for innovative insurance products [7][8]. - Establishing national and regional risk compensation funds can help mitigate excessive claims in technology insurance [8]. - Encouraging insurance funds to support technology innovation through optimized regulatory policies and the establishment of specialized venture capital funds is crucial [8]. Group 5: Impact of AI on Insurance - The "AI+" initiative presents opportunities for the insurance industry to develop new products for emerging risks associated with AI, such as model liability and algorithmic discrimination [9][10]. - AI can transform operational models in insurance, enhancing risk assessment and management through the integration of diverse data sources [11]. - The industry must balance data ethics and algorithm governance while leveraging AI for improved service delivery and risk management [11]. Group 6: Market Performance and Growth - By the end of 2024, the insurance industry is projected to provide approximately 9 trillion yuan in technology insurance coverage, with a significant increase in premium income [13]. - The investment in technology companies by insurance funds has exceeded 600 billion yuan, reflecting a growing commitment to supporting innovation [13]. - The premium income from technology insurance has seen a year-on-year growth of 30%, significantly outpacing the industry average [13].