解码“十五五”时期 保险业的核心使命与发展路径

Core Insights - The insurance industry is positioned to leverage technology and capital to drive development and expand its role in the economy during the "14th Five-Year Plan" period, focusing on both financial and social attributes [2][3]. Group 1: Strategic Direction - The insurance sector's core value lies in its ability to integrate into national development, supporting the real economy, social governance, and public welfare through specialized capabilities [2]. - The industry must transition from being merely a "risk bearer" to a "value co-creator," extending its risk management approach to encompass proactive measures and precise compensation [3]. Group 2: Key Focus Areas - Financial services should target five key areas: elderly care, green finance, inclusive finance, technology, and digital finance, with a focus on developing commercial pension products and supporting the pension system [4]. - In green finance, the industry should innovate insurance products and investments to support green industries, while in inclusive finance, it should develop low-cost products for underserved groups [4]. Group 3: Social Welfare and Governance - The insurance industry must address the aging population by developing pension products and enhancing the multi-tiered pension system, while also integrating commercial insurance with public health insurance [5]. - The sector should act as a stabilizing force in society, providing capital support for major national strategies and infrastructure projects [5]. Group 4: Risk Management - The insurance industry should engage in building a multi-layered social risk-sharing system, particularly in disaster risk management and public safety, to alleviate government financial burdens [6]. - It is essential to innovate insurance products that enhance risk prevention and emergency response capabilities [6]. Group 5: Supporting Technological Innovation - The insurance sector must create a comprehensive protection system for technology enterprises, addressing risks throughout the R&D, transformation, and industrialization phases [7]. - By leveraging technology and data, the industry can enhance risk management and support the transformation of scientific achievements into productive forces [8]. Group 6: Capital Support for Technology - Insurance funds should be utilized as "patient capital" to meet the capital needs of technology enterprises throughout their lifecycle, including establishing specialized investment funds and participating in venture capital [9]. - The industry should innovate models that combine insurance protection with equity investment to create a positive cycle of risk coverage and capital growth [9]. Group 7: International Expansion - The insurance industry must enhance its cross-border risk protection capabilities to align with national strategies like the Belt and Road Initiative, addressing various international trade risks [10]. - It is crucial to align with international standards in regulatory practices to improve global competitiveness and enhance the industry's international presence [11]. Group 8: Domestic and International Synergy - Strengthening domestic open platforms, such as the Shanghai International Reinsurance Center, will facilitate the dual approach of "bringing in" and "going out," enhancing the overall service level of the insurance industry [12]. - This synergy will not only retain more cross-border premiums domestically but also enable the industry to play a larger role in global financial resource allocation [12].