相互保险差异化普惠路径！众惠相互梁欣鑫：科技赋能+互助基因

Core Viewpoint - The event highlighted the role of financial technology in enhancing the quality of insurance services, particularly in mutual insurance, by providing innovative solutions and improving operational efficiency [1][2]. Group 1: Technological Impact on Mutual Insurance - Technology is injecting new momentum into mutual insurance, enabling a shift from "post-event compensation" to "pre-event intervention" through products like "Hui Gan Bao" [1]. - The mutual insurance model is characterized by "mutual assistance," which aligns well with internet community concepts, enhancing member connectivity and operational optimization [1][3]. Group 2: Governance and Community Building - The governance mechanism of "co-construction, co-governance, and sharing" allows technology to create differentiated value in mutual insurance compared to traditional models [2]. - Technology aids in accurately aggregating groups with similar risk characteristics, enhancing trust and transparency through blockchain and other technologies [2]. Group 3: Service Expansion and Member Engagement - The company has launched over 10 mutual assistance projects, covering more than 2 million individuals, including various demographic groups such as those with chronic illnesses, new citizens, and the elderly [3]. - A smart customer service solution has been developed to enhance consumer experience, featuring an integrated risk control platform and AI-driven services, establishing a new standard for "24/7, zero wait" service [3].