低空经济的最大短板：要是eVTOL掉下来，谁能负责？

Core Insights - The low-altitude economy insurance market in China is expected to reach a scale of 8-10 billion yuan in the coming years, driven by the increasing deployment of drones and eVTOLs in urban areas [7][1] - Insurance is not merely a business for insurers but serves as a critical entry barrier, safety foundation, and responsibility allocation mechanism for the low-altitude economy [1][4] - The combination of insurance and the low-altitude economy is not just a theoretical concept but is already being practically implemented with companies, products, regulations, and market expectations [8][6] Group 1: Market Dynamics - The past two years have seen the low-altitude economy being recognized as a national strategic emerging industry, with new regulations set to take effect in January 2024 [2][3] - The increasing number of flying vehicles and their proximity to urban areas raises the probability of accidents and associated responsibilities [2][3] - The insurance industry has begun to respond to the needs of the low-altitude economy, with major insurers launching products tailored for drones and light aircraft [5][6] Group 2: Insurance Challenges - Current insurance offerings are still in a "testing + patchwork + layered underwriting" phase and have not yet formed a comprehensive system capable of handling large-scale, complex operations [9][25] - Insurers express concerns about quantifying systemic risks associated with low-altitude operations, which complicates traditional insurance models [14][17] - The global insurance industry faces similar challenges in adapting to the complexities of the low-altitude economy, indicating a need for innovative risk assessment and pricing models [16][17] Group 3: Structural Discrepancies - Low-altitude enterprises view insurance as a compliance tool, market credibility, and a means to secure investment and government support [10][12][13] - Insurers, however, prefer to underwrite scenarios that are controllable and quantifiable, leading to a mismatch between the needs of low-altitude businesses and the risk appetite of insurers [18][19] - This structural discrepancy highlights the need for a new approach that integrates technology and risk management to facilitate the growth of the low-altitude economy [18][19] Group 4: Role of Insurance - Insurance is not just a financial product but a public trust mechanism that plays a crucial role in the stability of the low-altitude economy [29][30] - The presence of insurance is essential for gaining governmental approval for flight routes and for instilling confidence among investors and the public [35][36] - The establishment of a systematic and sustainable risk-sharing mechanism will be key to defining the future landscape of the low-altitude economy [37][38]