蒋铭：保险业的前行之路是提供风险管理解决方案，而非简单推销产品

Group 1 - The core viewpoint is that enterprise risk management has become a new strategic focus for companies in response to heightened awareness and anxiety about risks in the current global landscape [1] - The demand for quality risk management services is currently outpacing supply, indicating a market opportunity for companies specializing in this area [1] - The advent of AI is unlikely to replace complex risk management services, as these require a level of expertise that goes beyond simple distribution channels [1] Group 2 - There is a lack of comprehensive risk management solutions for families and businesses, as insurance agents typically promote individual products without considering the overall protection needs [2] - The insurance industry should evolve from merely providing post-event compensation to offering proactive risk reduction strategies, which includes analyzing non-insurable risks [2] - The future of the insurance industry in China lies in delivering tailored risk management solutions rather than just selling insurance products [2] Group 3 - Chinese enterprises face significant risk management challenges as they expand internationally, particularly among small and medium-sized enterprises that lack adequate service support [3] - There is a notable gap in localized service teams for Chinese companies abroad, leading to issues with service compatibility [3] - The insurance brokerage industry in China has a new opportunity to support Chinese enterprises in their international ventures by providing tailored services [3]